1. Acceptance of these terms

By accessing, browsing or using this website, you confirm that you have read, understood and agree to these Terms and Conditions.

If you do not agree to these terms, you should stop using the website.

Additional written terms may apply when you purchase a product, book a consultation, enter a mentoring arrangement or engage Phil Adair Training for another professional service. Where there is a conflict, the separately agreed written terms will prevail for that engagement.

2. Website operator

The website philadairtraining.com is operated by Phil Adair Training from Sydney, New South Wales, Australia.

3. Eligibility and authority

You must have the legal capacity to agree to these terms. The website and its business, marketing and investment education content are intended primarily for adults.

If you use the website or engage a service on behalf of a business or organisation, you confirm that you have authority to act for and bind that entity.

You are responsible for ensuring that your use of the website and any service is permitted under the laws applicable to you.

4. Permitted use of the website

You may use the website for lawful personal, educational and internal business purposes.

You may:

• read and reference publicly available articles;
• use general educational content for personal learning;
• share links to publicly accessible pages;
• contact Phil Adair Training about relevant services or editorial matters;
• print a reasonable number of pages for personal or internal business reference.

Permission to access the website does not transfer ownership of any content, brand, design, method, course or intellectual property.

5. Website and educational content

The website publishes general information about digital marketing, Google Ads, business growth, entrepreneurship, software, investment principles, financial markets and related subjects.

Content is provided for general informational and educational purposes. It may include analysis, commentary, examples, reviews, personal observations and opinions.

Although reasonable efforts may be made to improve accuracy and usefulness, website content:

• may not reflect your individual circumstances;
• may become outdated after publication;
• may contain errors, omissions or simplified examples;
• may not be complete enough for a specific decision;
• should be independently verified where accuracy is material.

6. Professional services

Phil Adair Training may offer services including:

• digital marketing consultations;
• Google Ads reviews and strategic guidance;
• business growth consulting;
• private business mentoring;
• marketing or business audits;
• educational training and workshops;
• content, research or editorial services;
• other services expressly agreed in writing.

No service begins merely because an enquiry has been submitted. A professional engagement begins only when its scope, fees and applicable terms have been accepted by both parties.

Phil Adair Training may decline an enquiry or proposed engagement at its discretion, subject to applicable law.

7. Proposals, scope and deliverables

The scope of a paid engagement may be documented through a proposal, booking confirmation, invoice, statement of work, email agreement or separate service contract.

The agreed document may specify:

• the services and intended deliverables;
• the project assumptions and exclusions;
• client responsibilities and required access;
• fees, deposits and payment timing;
• meeting frequency or service period;
• delivery dates or indicative timelines;
• revision limits and additional work rates;
• cancellation or rescheduling conditions.

Work outside the agreed scope may require a revised quote, additional fee or separate written approval.

Timelines may depend on the client providing information, access, approvals and feedback within a reasonable period.

8. Fees, invoices and payment

Fees will be communicated before a paid service begins. Unless stated otherwise, amounts are expressed in Australian dollars.

Depending on the engagement, payment may be required:

• in full before a consultation or digital product is supplied;
• through an initial deposit and later milestone payments;
• on receipt of an invoice;
• through a recurring mentoring or service arrangement.

You are responsible for supplying accurate billing information and paying undisputed invoices by the stated due date.

Reasonable third-party expenses will not be charged unless they have been disclosed or approved, except where immediate expenditure is reasonably necessary to protect an agreed project or system.

Access to unpaid services or deliverables may be suspended until overdue amounts are resolved, subject to applicable law and any separate agreement.

9. Cancellations, rescheduling and refunds

Consultations and meetings

If you need to cancel or reschedule a booked consultation, you should provide as much notice as reasonably possible.

A booking confirmation or separate service agreement may specify a cancellation period. Where no separate period is stated, late cancellations, repeated rescheduling or failure to attend may result in the session fee being retained to reflect reserved time and preparation.

Projects and ongoing services

Where work has already begun, any refund or final payment will be assessed by considering:

• work already completed;
• time already reserved or spent;
• third-party costs already incurred;
• deliverables already supplied;
• the reason for termination;
• rights that apply under consumer law.

Digital content

Where downloadable or immediately accessible digital content is offered, specific refund terms may be displayed at the point of purchase.

10. Client responsibilities

When you engage Phil Adair Training, you agree to:

• provide accurate and reasonably complete information;
• identify important constraints, risks and deadlines;
• provide requested access, materials and approvals on time;
• review deliverables and raise concerns promptly;
• ensure that materials you provide can lawfully be used;
• protect passwords, account credentials and administrative access;
• make final business, marketing and financial decisions independently;
• comply with laws, platform rules and industry obligations relevant to your business.

Phil Adair Training may rely on information supplied by you without independently auditing every fact, record, account or representation.

You remain responsible for implementation decisions and for reviewing recommendations against your own legal, financial, technical and operational circumstances.

11. Intellectual property

Unless otherwise stated, Phil Adair Training owns or is licensed to use the website content and associated intellectual property, including:

• articles and written material;
• training resources and frameworks;
• graphics, layouts and visual elements;
• reviews, comparison structures and methodologies;
• course material, presentations and templates;
• brand names, logos and website design;
• original video, audio and downloadable content.

You must not reproduce, republish, sell, license, scrape, systematically extract, modify or distribute substantial website content without written permission or another lawful basis.

Reasonable quotation may be permitted where it is lawful, limited, accurately attributed and accompanied by a link to the original page.

Client deliverables

Ownership and usage rights for custom deliverables will be determined by the applicable proposal or service agreement.

Unless otherwise agreed, Phil Adair Training retains ownership of pre-existing methods, general knowledge, reusable frameworks, templates and tools used to create a deliverable.

12. User submissions and communications

You retain ownership of original material you submit, subject to any separately agreed rights.

By sending feedback, a correction request, testimonial, review information or another submission, you confirm that:

• the information is accurate to the best of your knowledge;
• you have authority to provide it;
• it does not unlawfully infringe another person’s rights;
• it is not defamatory, deceptive, malicious or unlawful;
• it does not contain malware or harmful code.

Submitting product information does not guarantee publication, coverage, a favourable review or removal of editorial criticism.

Testimonials or quotations will not be publicly attributed to you without permission, except where publication was clearly requested or otherwise lawfully permitted.

13. Prohibited conduct

You must not use the website to:

• break any applicable law or regulation;
• send spam, fraudulent or deceptive communications;
• attempt unauthorised access to website systems or accounts;
• introduce viruses, malicious code or harmful automated requests;
• scrape or extract content at a scale that interferes with the website;
• impersonate another person or misrepresent your authority;
• harass, threaten or unlawfully defame another person;
• copy content for competing publication or commercial resale;
• manipulate, conceal or falsify website traffic or referral information;
• use the website in a way that damages its availability, security or reputation.

Access may be restricted or blocked where conduct creates a security, legal, operational or reputational risk.

14. External links and third-party services

The website may link to third-party websites, software, marketing tools, investment platforms, trading services, social networks and other external resources.

Third parties operate independently and may have their own:

• terms and conditions;
• privacy and cookie policies;
• fees and subscription arrangements;
• security procedures;
• eligibility and jurisdiction restrictions;
• financial and operational risks.

A link, mention or review does not mean that Phil Adair Training controls, guarantees or accepts responsibility for the third party.

You should verify material information directly with the provider before creating an account, purchasing a service or transferring money.

15. Affiliate and commercial relationships

Some website links may be affiliate links. Phil Adair Training may receive a commission or other benefit when a user follows such a link and completes a qualifying action.

Where a material affiliate, sponsorship or commercial relationship applies, reasonable efforts will be made to disclose it clearly.

An affiliate relationship does not increase the amount you pay unless this is expressly disclosed by the relevant provider.

Commercial relationships do not guarantee a positive review, continued coverage or suitability for any particular user.

Additional information is available in the Affiliate Disclosure.

16. Investment and financial content

Content discussing investments, shares, funds, trading, digital assets, platforms, market performance or financial independence is general and educational.

It does not constitute:

• personal financial advice;
• an offer or invitation to acquire a financial product;
• a recommendation to buy, sell or hold an asset;
• personal portfolio construction;
• legal, tax or accounting advice;
• a guarantee of income, profit or capital growth.

Investment and trading products can lose value. Digital assets and leveraged or automated trading systems may involve substantial volatility, liquidity, custody, platform, fraud and total-loss risks.

Examples, projections, platform ratings, historical performance and personal experiences do not guarantee future results.

Seek appropriately licensed professional advice where a decision depends on your personal objectives, financial situation or needs.

17. Australian Consumer Law and mandatory rights

Nothing in these Terms and Conditions excludes, restricts or modifies any consumer guarantee, statutory right or remedy that cannot lawfully be excluded, restricted or modified.

Where the Australian Consumer Law applies, services may come with guarantees that cannot be excluded, including applicable requirements relating to due care and skill, fitness for an agreed purpose and supply within a reasonable time.

If a mandatory guarantee applies and is not met, you may be entitled to a remedy determined by the nature and seriousness of the failure.

Any limitation or exclusion in these terms operates only to the maximum extent permitted by law.

18. Website availability and disclaimers

Except for rights that cannot lawfully be excluded, the website is provided on an “as available” basis.

Phil Adair Training does not promise that:

• the website will always be available or uninterrupted;
• all content will always be complete, current or error-free;
• every external link or embedded service will remain available;
• use of any strategy, tool or platform will produce a particular result;
• website content will be suitable for your individual circumstances;
• all security threats or technical defects can be prevented.

Website content may be corrected, removed, updated or reorganised without notice.

19. Limitation of liability

To the maximum extent permitted by law, Phil Adair Training will not be liable for indirect, incidental, special or consequential loss arising from:

• reliance on general website content;
• use of an external tool, platform or provider;
• loss of data, business opportunity, revenue or anticipated profit;
• market movements or investment losses;
• unauthorised access caused by credentials or systems outside our reasonable control;
• website interruption, malware or third-party service failure;
• implementation decisions made without appropriate professional review.

Where liability cannot be excluded but can lawfully be limited, liability will be limited to an available lawful remedy appropriate to the relevant goods or services.

This section does not exclude liability for fraud, wilful misconduct or another liability that cannot lawfully be excluded.

20. Indemnity

To the extent permitted by law, you agree to compensate Phil Adair Training for reasonable loss, liability, cost or expense arising directly from:

• your unlawful use of the website;
• your material breach of these terms;
• content or materials you supply without necessary rights;
• your fraud, wilful misconduct or unauthorised system access;
• a third-party claim caused by your unlawful instructions or conduct.

This obligation will be reduced to the extent that loss was caused or contributed to by Phil Adair Training.

21. Confidentiality

Information supplied during a confirmed consulting or mentoring engagement will be handled with reasonable confidentiality, subject to the applicable agreement and Privacy Policy.

Confidentiality does not apply to information that:

• is already publicly available through no breach of duty;
• was lawfully known before disclosure;
• is independently developed without confidential information;
• is received lawfully from another source;
• must be disclosed by law, court order or regulatory requirement.

Do not send passwords, private keys, payment-card information or unnecessary sensitive documents through an initial website enquiry.

22. Privacy and personal information

Personal information collected through the website, enquiries and services is handled in accordance with the Privacy Policy.

The website may also use cookies and similar technologies as described in the Cookie Policy.

You are responsible for ensuring that any personal information you provide about another person is supplied lawfully and with appropriate authority.

23. Suspension and termination

Phil Adair Training may suspend website access or terminate a service where reasonably necessary because of:

• a material breach of these terms;
• unlawful, abusive or fraudulent conduct;
• non-payment of an undisputed amount;
• security or privacy risk;
• failure to provide information necessary for the service;
• a conflict of interest or professional limitation;
• circumstances making continued performance unlawful or impractical.

Where reasonable and lawful, an opportunity may be provided to correct a remediable breach before termination.

Provisions relating to payment, intellectual property, confidentiality, liability and dispute resolution may continue after termination.

24. General provisions

Changes to these terms

These terms may be updated when website functions, services, business practices or legal requirements change.

The revised version will be published on this page with an updated date. New terms apply to subsequent website use and new engagements, subject to any separately agreed contract.

Force majeure

Neither party will be responsible for delay caused by events beyond reasonable control, including serious illness, natural disaster, infrastructure failure, cyber incident, government action or widespread third-party service interruption.

Severability

If a provision is invalid or unenforceable, it will be read down or removed to the minimum extent required. The remaining provisions will continue to operate.

No waiver

A delay in enforcing a right does not automatically waive that right.

Assignment

You may not transfer a service agreement without written consent. Phil Adair Training may transfer rights and obligations as part of a lawful business restructuring or transfer, provided this does not remove mandatory rights.

Entire agreement

These terms, together with the Privacy Policy and any applicable written service agreement, form the relevant agreement concerning website use or the particular service.

Governing law

These terms are governed by the laws of New South Wales, Australia. Subject to any mandatory right to bring a claim elsewhere, disputes will be submitted to courts with jurisdiction in New South Wales.

Resolving concerns

Before beginning formal proceedings, each party should make a reasonable attempt to resolve the issue through direct written communication, unless urgent relief is required.

25. Contact information

Questions about these Terms and Conditions can be sent using the contact details below.