Terms and Conditions

Effective Date: October 2024

1. Introduction

These Website Terms & Conditions ("Terms") govern your use of the website and online services provided by Karsha Bright Consulting ("we," "us," or "our"). By accessing or using our website, you agree to comply with these Terms. If you do not agree with any part of these Terms, please refrain from using our website.

2. Intellectual Property

All content and materials available on our website, including but not limited to text, graphics, logos, images, videos, audio clips, and software, are the property of Karsha Bright Consulting or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the content for personal and non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any material on our website without our prior written consent.

3. Disclaimer of Liability

a) Our website is provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, reliability, or completeness of the information and materials on our website. We disclaim all liability for any errors, omissions, or inaccuracies in the content provided.

b) We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of our website. This includes, but is not limited to, any loss or damage caused by viruses, malware, or other harmful components that may infect your computer equipment or other property.

c) Any testimonials or success stories featured on our website are not guarantees of your own results. Individual outcomes may vary, and your success depends on your own efforts, abilities, and circumstances. Testimonials are examples of real experiences and opinions and are provided for illustration purposes only. They do not guarantee similar results for every user.

4. No Guarantees

You accept and understand that no guarantees are made through the use of this website or its products. We do not guarantee any specific outcomes or results from your use of our website, programs, or services.

5. Limitation of Liability

To the fullest extent permitted by law, Karsha Bright Consulting excludes any liability for any direct, indirect, or consequential loss or damage incurred in connection with this website, programs, products, or services. By enrolling in, purchasing, or using this website, programs, products, or services, you agree to this limitation of liability and release Karsha Bright Consulting from any and all claims.

6. No Professional Advice

The information provided on our website is for general informational purposes only and does not constitute professional legal, financial, or any other type of advice. We are not engaged in rendering professional services, and the content on our website should not be relied upon as a substitute for professional advice specific to your situation. You should consult with a qualified professional before making any decisions or taking any actions based on the information provided on our website.

7. Indemnification

You agree to indemnify and hold Karsha Bright Consulting, its affiliates, officers, directors, employees, and agents harmless from any claims, liabilities, damages, losses, or expenses, including legal fees, arising out of or in connection with your use of our website or any violation of these Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Australia. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Australia.

9. Modifications

We reserve the right to modify or update these Terms at any time without prior notice. It is your responsibility to review these Terms periodically for any changes. Your continued use of our website after the posting of any modifications constitutes acceptance of those changes.

11. Purchases and Refunds

a) Certain sections of the Website or its Content may allow you to make purchases from us or other merchants. If you make a purchase from us on or through our Website or its Content, please be aware of the following:

b) All information obtained during your purchase or transaction, including your name, address, payment method, credit card number, and billing information, may be collected by us, the merchant, and our payment processing company.

c) Your participation, correspondence, or business dealings with any affiliate, individual, or company found on or through our Website, including all purchase terms, conditions, representations, or warranties associated with payment, refunds, and delivery, are solely between you and the merchant. We shall not be responsible or liable for any loss, damage, refunds, or other matters incurred as a result of such dealings.

d) We do not assume any responsibility or liability for the independent policies of payment processing companies and merchants. When making purchases through our Site or its Content, you may be subject to additional terms and conditions specific to your purchase from a payment processing company, merchant, or us. For more information, refer to the merchant's website or contact them directly.

e) By making a purchase through or using our Website or its Content, you release us, our affiliates, our payment processing company, and merchants from any damages incurred and agree not to assert any claims against us or them arising from your purchase or use.

f) Please note that Destination Legal LLC does not offer refunds for any portion of payment made for our products, services, or programs. All sales are final, and no refunds will be given for any reason.

12. Contact Us

If you have any questions or concerns about these Terms or any other inquiries, please contact us at karsha@karshabright.com.au 

By using our website, you acknowledge that you have read, understood, and agreed to these Terms.

Privacy Policy

Effective Date: October 2024

Karsha Bright Consulting (ABN 32 328 433 649 (collectively and individually referred to as “Karsha Bright Consulting”, “we”, “us” or “our”)).

WHO WE ARE AND HOW YOU CAN CONTACT US

We are Karsha Bright Consulting, and we are based in Adelaide, Australia. We are committed to protecting your privacy and respecting and upholding your rights when you use this Site. 

This Privacy Policy applies to the products and/or services we provide on our Site www.karshabright.com.au (“Karsha Bright Consulting”) and our social media channels, and explains how we collect, hold, use and disclose data and comply with the requirements of the Privacy Act 1988 (Cth) and constitutes part of our Website Terms & Conditions. 

This Privacy Policy does not cover information that you submit on other websites, even if we communicate with you on those sites. For example, if you post something on Instagram, Facebook, Pinterest, X (formerly Twitter), or YouTube, that information is governed by the privacy policies on those websites, and is not governed by this Privacy Policy.

You can contact us for privacy-related questions by emailing us at karsha@karshabright.com.au 

We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The APPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/.

OUR ROLE IN YOUR PRIVACY
If you are a customer, subscriber or just a visitor on our Site, this Privacy Policy will apply to you.


OUR RESPONSIBILITIES
As we are the providers of the products and services on this Site, we determine how and why your data is processed. We do not sell or rent your details to any third parties. We are committed to protecting your privacy and we want you to know exactly what information is collected and how we use it.


YOUR RESPONSIBILITIES
Please read this Privacy Policy and our Website Terms & Conditions. If you provide us with any data relating to a third party, you confirm that you have the right to authorise us to process that data on your behalf in accordance with this Privacy Policy.


WHEN AND HOW WE COLLECT DATA
From the moment you visit our Site, we are collecting data, sometimes you might provide this data by completing a form or setting up an account, otherwise we might collect the data automatically. We may also collect data when:

  • You purchase an online course, webinar, program or service

  • You interact with us on social media

  • You complete any sign-up forms, landing pages or send us a direct message via social media or an email to any of our nominated emails

  • You participate in events, promotions and giveaways or any request for additional data such as customer surveys

  • You accept our cookies and other tracking technologies on any device you use to interact with us

  • You voluntarily submit your data to us for any reason

TYPES OF DATA WE MAY COLLECT

  • Contact details (name, address, email)

  • Financial Information (bank details when you are making a purchase)

  • Your business name (sometimes)

  • Basic information about your business and its history (sometimes)

  • Data about the products or services you purchase

  • Data about your experience with our Site and our products and services

  • Data relating to your circumstances and such other information that is relevant to the products or services we provide to you

  • Data relating to your attendance at seminars or other events held by us (including webinars and podcasts)

  • Data that identifies you (your IP address, login, browser type, time zone, browser plugins, geolocation, what operating system and version) - we do not link this with any personal Data

  • Data on how you use our Site (URL clicks, products and services views, how long you are on our pages and other actions)

USE AND DISCLOSURE OF YOUR DATA

Under data laws, we are only allowed to use your data for specific reasons and where we have the legal basis to do so.

We will use your data for the purposes it was collected and related purposes that include:

  • Operating our Site

  • Providing you with products, information and services

  • Customer support

  • Tracking your purchase history

  • Detecting and preventing fraud

  • Improving our Site

  • Making your experience on our Site more efficient and enjoyable

  • Market research e.g. we may contact you for feedback about our products and services

  • Provide you with information about events, other products or services or opportunities that may be of interest

  • Marketing (with your consent)

  • Monitoring your compliance with our Website Terms and Conditions

We may disclose your data for the purposes it was collected and also:

  • As required by law subject to our obligations

  • With your consent

  • Within our business

  • To send you marketing material (with your consent)

  • To process your participation in any promotions and giveaways (including contacting you if you win, displaying your name online and on our social media platforms)

  • Share with third parties to enable us to provide our products and/or services

CHOOSING NOT TO PROVIDE PERSONAL DATA

You can choose not to provide us with any personal data. However, if you do this, we will not be able to provide you with any products or services, however, you can continue to use our Site and browse the pages of our Site.

TURNING OFF COOKIES

Our Site uses cookies and similar technologies to provide certain functionality to our Site. You can turn off cookies by activating the setting in your browser that allows you to do this. You can also delete cookies through your browser settings. If you do decide to turn off cookies, you can continue to use the Site, however, certain services may not work as effectively.

MARKETING

We will always let you know before we collect any data from you what the intended use is and if we intend to use it for marketing and if third parties are involved we will obtain your consent (which you can withdraw at any time). You can change your mind about marketing material by opting out by:

  • completing the contact us form on our contact page; or

  • unsubscribing within the email if you have previously subscribed to our newsletter.

YOUR RIGHTS

You can exercise your rights at any time by contacting us via the contact us page on our Site.

ACCESSING INFORMATION WE HOLD ABOUT YOU

We will provide you with the information within 30 days of your request, unless doing so would adversely affect the rights and freedoms of others (e.g. another person’s confidentiality or intellectual property rights). We will tell you if we can't comply with your request and why.

INACCURATE INFORMATION

You can contact us to ask us to correct any information we hold about you that you believe is inaccurate.

OBJECTIONS TO USING DATA FOR PROFILING OR AUTOMATED DECISIONS

We may use your data to determine what products and services are relevant to you (e.g. tailoring our emails based on your behaviour). Otherwise, the only circumstances in which we will use this data is to provide our products and services to you.

THE RIGHT TO BE FORGOTTEN

You have the right to request for your data to be erased. This means we have to delete all information that we hold about you, except to the extent of any information we are required to hold due to our legal obligations.

MAKING A COMPLAINT

If you have any complaints regarding how your data is handled, please contact us via our contact page. If you are not satisfied with our response to your complaint you may seek a review by contacting the Office of the Australian Information Commissioner.

SECURITY OF THE DATA WE COLLECT

We realise that our customers trust us to protect their data and whilst we cannot guarantee the security of any information you transmit to us, or receive from us, we take that task seriously and maintain reasonable and appropriate physical, electronic and procedural safeguards to help protect your data. This includes the following:

  • Password access to accounts

  • Storing electronic data with reputable third party storage providers who have appropriate security protections

  • Limit access to personal information to individuals who need to know.

  • Using payment providers who are PCI DSS compliant

  • We do not store your payment details

WHERE WE STORE DATA

We use service providers based in Australia. If we transfer personal data outside of Australia, we will ensure that your privacy rights are adequately protected by ensuring these service providers have the same or similar measures in place to protect data shared.

HOW LONG WE STORE DATA FOR

We will keep your data for as long as we need it, and this period will also depend on your interactions with us. If you have made a purchase with us, we will keep a record of your purchase for the period necessary for invoicing and tax purposes. When we no longer need to keep your information, we will delete it permanently or anonymise data that is no longer necessary.

THIRD PARTIES WHO ACCESS YOUR DATA

We share data with third parties in the following circumstances:

  • Other companies in our group of companies, as necessary to operate our Site

  • Our suppliers and service providers working for us e.g. payment processors

  • Our professional and legal advisors

  • Third parties engaged in fraud prevention and detection

  • Law enforcement or other government authorities

  • Where we have your consent to do so or otherwise where we are legally permitted to do so.

AGE OF CONSENT

By using this site, you warrant that you are at least the age of majority in your State or Territory of residence. Our Site should not be used by anyone under the age of majority, and we do not knowingly collect data from anyone under the age of majority.

COOKIES AND HOW TO BLOCK THEM

We use cookies, this helps us improve the products and services we provide. Unfortunately, they are not the edible kind! “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. Cookies can also be used to analyse traffic and for advertising and marketing purposes. They do not harm your systems and the HELP function in your browser will tell you how to restrict or block the cookies. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org. If you use browser settings to block all cookies, you may not be able to access all or parts of our Site.

WEB BEACONS

We may use web beacons (or clear gifs) on our website and in our emails. When we send emails, we can track behaviour such as who opened the emails, who clicked the links and collect information such as your IP address, your browser or email type, we then put this information together to improve the performance of our email campaigns and provide you with better and/or services specific to your needs. You will always have the ability to opt out of any emails we send just click the link in the email that says “unsubscribe”.

GOVERNING LAW

This Privacy Policy and your use of this Site is governed in all respects by the laws of Australia.

UPDATES TO OUR PRIVACY POLICY

Please make sure to check in on our Privacy Policy periodically, as we may update this Privacy Policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons. We will always ensure that the current date of the Privacy Policy also known as the “Effective Date” is prominently displayed at the very top of this Privacy Policy, so you know it's the latest version.