Last Updated: December 03, 2025

Owner: L8FE Pty Ltd (ABN: 846 831 213 06)

Website: https://matbankes.com.au

1. Acceptance of Terms

Welcome to Mat Bankes. By accessing our website, purchasing our digital products, enrolling in our courses, or engaging our coaching services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must cease using our Services immediately.

These Terms constitute a legally binding agreement between you ("User," "Client," or "You") and Mat Bankes ("We," "Us," or "Our"). These Terms are governed by the laws of Queensland, Australia.

2. Digital Products and Online Courses

2.1 License to Use

Upon purchase of a digital product (e.g., online course, ebook, template), we grant you a limited, non-exclusive, non-transferable, revocable license to access and view the content for your personal, non-commercial use.

- You May: Stream the content, download specific resources marked for download (e.g., PDF worksheets).

- You May Not: Share your login credentials, resell the content, publicly screen the videos, or distribute materials to third parties without our prior written consent.

2.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials. We utilize security monitoring to detect simultaneous logins from different IP addresses. We reserve the right to terminate your account immediately and without refund if we detect account sharing.

2.3 Refunds and Cancellations (Australian Consumer Law)

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law (ACL).

- Major Failure: You are entitled to a replacement or refund for a major failure (e.g., the product is significantly different from the description or is corrupt and unfixable).

- Minor Failure: For minor failures, we reserve the right to repair or replace the product within a reasonable time.

Change of Mind: We do not provide refunds if you simply change your mind, find the content too difficult, or decide you no longer have time for the course, unless a specific "Money Back Guarantee" was offered on the sales page for that specific product.

3. Coaching and Workshops

3.1 Service Disclaimer (No Guarantees)

Our coaching, workshops, and training programs are educational and motivational in nature.

- No Professional Advice: The content provided is not a substitute for professional medical, psychological, legal, or financial advice. Mat Bankes is not a psychologist, psychiatrist, or financial advisor.

- Results Vary: We make no guarantees regarding the specific results (financial, personal, or professional) you will achieve. Your results depend on your individual effort, background, and circumstances. You acknowledge that all business and personal endeavors involve risk.

3.2 Participant Confidentiality (Chatham House Rule)

To create a safe space for growth, all participants in group coaching or workshops agree to abide by the Chatham House Rule: "Participants are free to use the information received, but neither the identity nor the affiliation of the speaker(s), nor that of any other participant, may be revealed."

- You agree not to disclose the personal stories, business data, or sensitive information shared by other participants.

- We reserve the right to remove any participant who breaches this confidentiality, without refund.

3.3 Recording of Sessions

- By Us: We may record group sessions for training or replay purposes for the cohort. By participating, you consent to being recorded.

- By You: You are not permitted to record any coaching session (audio or video) without express permission.

4. Intellectual Property

All content on this website and within our programs—including text, graphics, logos, video, audio, slides, and frameworks—is the property of Mat Bankes or our content suppliers and is protected by Australian and international copyright laws. Unauthorised use of this content may result in legal action.

5. User Conduct and Termination

You agree to use our Services for lawful purposes only. You must not use our website to post or transmit any material which violates the rights of others, or which is threatening, abusive, defamatory, or invasive of privacy. We reserve the right to terminate your access to our Services at any time, without notice, if you breach these Terms.

6. Limitation of Liability

To the fullest extent permitted by law (including the ACL):

- Indirect Damages: Mat Bankes shall not be liable for any indirect, incidental, special, or consequential damages (including loss of revenue, data, or profits) arising out of your use of the Services.

- Liability Cap: Our total liability to you for any claim arising out of or relating to these Terms or our Services shall not exceed the amount you paid to us for the specific Service giving rise to the claim.

7. Dispute Resolution

In the event of a dispute, the parties agree to attempt to resolve the matter through good faith negotiation for a period of 30 days. If unresolved, the dispute shall be submitted to mediation in Queensland. If mediation fails, the courts of Queensland shall have exclusive jurisdiction.

8. Contact

For any questions regarding these Terms, please contact:

Email: [email protected]