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Important Notice

PLEASE READ THE BUSINESS NAVIGATE TERMS OF USE BEFORE USING THIS WEBSITE

Your access to and use of this website, as well as all related websites (including but limited to businessnavigate.com, businessnavigateacademy.com and businessnavigate.tv), as well as all associated social media properties [collectively referred to as the “Site”] operated by BUSINESSNAVIGATE® and BUSINESSNAVIGATEACADEMY® [the “Company”] is subject to the following terms and conditions [“Terms of Use”] and all applicable laws.

By accessing and browsing the Site, you accept, without limitation or qualification, the Terms of Use and acknowledge that any other agreements between you and the Site are superseded and of no force or effect. By using this website, you signify your consent to these Terms of Use.

IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT USE THE WEBSITE

You agree that the Site itself, as well as all content [including but not limited to web pages, emails, documents, video files, sound recordings, webinars, podcasts, presentations, public events, training courses and materials, graphics, photos, images, artwork, tools, apps, software, products, services, advertisements and/or other materials made available in the Site by the Company or other third parties, as well as the look and feel of all of the foregoing, collectively referred to as the “Content”] are maintained by the Company for your personal use and information and are the property of the Company and/or its third party providers.

The use of the Content by you is strictly prohibited unless specifically permitted by these Terms of Use. Subject to your compliance with these Terms of Use, the Company hereby grants you a limited license, which is non-exclusive, non-transferable, and non-sublicensable, to access, view, and use the Site solely for your personal purposes.

Any unauthorized use of the Content may violate the Company’s Intellectual Property rights, and other proprietary rights of the Company and/or third parties, as well as the laws of privacy and publicity, and other regulations and statutes. Nothing contained in this Agreement or in the Site shall be construed as granting, by implication or otherwise, any license or right to use any Intellectual Property or other proprietary information without the express written consent of the Company or third party owner.

When sharing on social media or linking to our Site YOU ARE PERMITTED TO USE OUR HEADLINES, and you are authorised to ONLY LINK DIRECTLY TO OUR CONTENT and YOU MAY NOT INSERT any intermediate page, landing page, splash page or any other content in-between. With the express exception outlined in this paragraph:

• No Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, used for public or commercial purposes, or downloaded in any way unless written permission is expressly granted by the Company.
• Modification of the Content or use of the Content for any other purpose is a violation of the Intellectual Property and other proprietary rights of the Company, as well as other authors who created the materials, and may be subject to monetary damages and penalties.
• You may not distribute, modify, transmit or use the Content of the Site or any Content for public or commercial purposes without the express written permission of the Company.

Intellectual Property

All Content including but not limited to invention, discovery, trade secret, secret process, know-how, concept, idea, design, information, data, formula, work product, text, illustrations, photographs, video, music, sounds, layout, source code, copyright, trademarks and other intellectual property rights contained in the Site [collectively referred to as “Intellectual Property”] are copyrighted unless otherwise noted and are the property of the Company and/or a supplier to the Company. No such materials may be used except as provided in these Terms of Use.

All trade names, trademarks, and images and biographical information of people used in the Content and contained in the Site, including without limitation the names and trademarks “BusinessNavigate®” and “BusinessNavigateAcademy®” are either the property of, or used with permission by, the Company.

The Company respects the copyright, trademark and all other intellectual property rights of others. The use of any third party trademarks in the Site is not intended to imply any connection between the Company and the trademark proprietor or any of its products or services, nor any endorsement of the Site by the trademark proprietor, or endorsement of Content by the trademark proprietor.

If you believe that your intellectual property rights are being violated and/or that any work belonging to you has been reproduced in the Site or in any Content in any way, please immediately notify the Company at contact us. Please provide your name and contact information, the nature of your work and how it is being violated, all relevant copyright and/or trademark registration information, the location/URL of the violation, and any other information you believe is relevant.

Disclaimers

To read about our Earnings Disclaimer, Affiliate and Advertising Disclaimer, please go to our Disclaimers page

User Accounts/Members’ Area

When you register with the Company and/or this Site and create your account, you must complete your account details in the manner described in the Site including selecting a username and password [“Login Details”]. Your account and Login Details are personal to you and you must ensure that they are complete and accurate when submitted and you must keep your account details up-to-date.

YOU ARE ONLY ISSUED WITH ONE SINGLE LOGIN THAT WILL BE USED TO VERIFY YOUR IDENTITY WHEN USING THE SITE AND ONCE VERIFIED GIVES YOU ACCESS ALL PRODUCTS AND TRAINING COURSES YOU HAVE PURCHASED FROM OUR SITE. NO ADDITIONAL LOGINS WILL BE REQUIRED.

When you register with the Site you expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by email, SMS or any other method.

Account Security

The Company does not store any credit card information it may receive in regard to a specific transaction and/or billing arrangement. However in order to complete transactions and billing arrangements your credit card details are securely associated with your Login Details. For more information on our Privacy Policy with regards card details and information, see our Privacy Policy.

YOU MUST AT ALL TIMES MAINTAIN THE CONFIDENTIALITY OF YOUR LOGIN DETAILS AND NOT DISCLOSE THEM TO ANY THIRD PARTY. YOU ARE FULLY LIABLE FOR ALL CHARGES INCURRED ON YOUR ACCOUNT WHETHER OR NOT AUTHORISED BY YOU.

You agree that you are solely responsible for any use of the site by any person using your login details and you agree to indemnify the company against any and all claims arising out of your failure to maintain the confidentiality of your login details.

If you believe someone has accessed the Site using your username and password without your authorization, you must immediately change or update your billing information and card details by logging into you members’ area. Click on “login” and then go to “My Account” there will be a section called “Credit Card Info”.

The Company will not be liable for any losses that you may incur as a result of someone else using your Login Details or account, whether with or without your knowledge or consent. You agree to notify the Company immediately of any unauthorised use of your account or any other breach of security.

Please also refer to the FAQs for general questions about the Members’ Area.

Refund Policy

UNLESS OTHERWISE STATED, ALL OUR PRODUCTS ARE COVERED BY AN UNCONDITIONAL 30-DAY MONEY BACK GUARANTEE FROM THE DATE OF PURCHASE.

Longer, shorter and/or conditional guarantees may apply, so check the sales material for details at the time of your order. We always list the Money Back Guarantee for each Product on the Sales and Checkout pages.

We do not provide pro-rata refunds and we shall refuse any refund after the Money Back Guarantee period has expired. If you habitually purchase product or services and then habitually seek refunds you may be blocked from making any future purchases from the Site.

How to claim your refund:  To claim your refund, we must receive your notice prior to the expiry date of the Money Back Guarantee period and it must in writing via email. Please use our contact form to email us about your refund.

Billing and Payments

Currency, Prices, Taxes and other charges

Except where specifically stated, all prices are quoted and are payable in United States Dollars (USD).

The price payable by you for any Product or Service [“Product”] ordered or purchased from the Site is the price quoted at the time your order is submitted. The Company reserves the right to vary any prices at any time and without any prior notice to you.

Where a Product is listed on this Site with an incorrect price or with incorrect information, we reserve the right to cancel your order (regardless of whether you have made payment for that order). Where you have already made payment for an order that is subsequently cancelled by us we will refund the amount paid by you in relation to that order.

Prices are exclusive of any and all import fees, duties, tariffs, taxes or other imposts or charges including but not limited to foreign currency transaction fees, user credit card or bank fees, or differences and fluctuations in foreign exchange rates. You are responsible for paying any and all such charges.

Payment methods

The Company currently accepts payment by credit/debit cards only (MasterCard, Visa, American Express and Discover) and all fees and charges incurred in connection with your account will be billed to the credit card designated during the registration process for your Account. You are responsible for keeping all credit/debit card and contact information current with your provider.

The Company uses a SECURE THIRD-PARTY PAYMENTS SERVICE (eg Stripe or PayPal/PayflowPro) and you agree to pay for your orders by authorising our nominated payment service to charge your credit card account for the total price of the goods or services ordered and the applicable delivery charges (if any). YOU AGREE TO BE BOUND BY THE TERMS OF THESE THIRD-PARTY PAYMENT SERVICES.

If you want to designate a different card or there is a change in credit card validity or expiration date, you may change or update your billing information and card details by logging into you members’ area. Click on “login” and then go to “My Account” there will be a section called “Credit Card Info”.

When you make a purchase on the Site, we will send notification on the day your credit card is charged to the email address you provide us and the charge will appear on your statement within 5-10 days. All recurring subscriptions and payment plans are automatically invoiced prior to the due date and charged to the payment method you used at the time you purchased the subscription.

Problems with payments

We have no obligation to supply Product unless and until we receive payment of all prices and fees. If there is a problem with your payment (for example, if your credit card transaction is declined), we may contact you to make alternative payment arrangements.

Until payment is restored, your account and access to your products or training courses that has the failed payment may be suspended. You will be liable for all debt collection costs where you fail to make payment for any order.

You may change or update your billing information and credit card details by logging into you members’ area. Click on “login” and then go to “My Account” there will be a section called “Credit Card Info”.

Products – Trial/Discounted Trial

If you initially sign-up for a product which includes a free or discounted trial period, and you don’t cancel before the trial period expiry date, you will automatically be billed on the day the trial period ends.

IF YOU CANCEL BEFORE THE TRIAL PERIOD EXPIRY DATE, YOU WILL NOT BE CHARGED.

Products – One-Time Payment

Once payment in full has been received for your purchase, you will receive an email with your invoice/receipt and a second email with your login details or download instructions as appropriate to access the Product.

SUBJECT TO THE MONEY BACK GUARANTEE ASSOCIATED WITH THE PRODUCT THAT YOU HAVE PURCHASED, IF YOU CANCEL WITHIN THE MONEY BACK GUARANTEE PERIOD, WE WILL REFUND YOUR MONEY AS SOON AS REASONABLY POSSIBLE.

Your cancellation (within the Money Back Guarantee) must be in writing via email. Please use our contact form to email us about your cancellation.

Products – Payment Plan

For some of our One-Time Payment Products we may offer a Payment Plan where you will be billed at regular intervals until your Payment Plan is completed and your Product is paid in full. You agree to pay for any Payment Plan by recurring payment.

We will automatically charge you and you accept responsibility for all recurring charges incurred in your Payment Plan. You agree that we may make periodic charges relating to your Payment Plan without further authorisation from you.

Once the first payment has been received for your purchase, you will receive an email with your invoice/receipt and a second email with your login details or download instructions as appropriate to access the Product.

If your Payment Plan payments fail and/or your credit card expires before your Payment Plan is paid in full, we reserve the right to revoke your access to the Product until payment is re-commenced.

SUBJECT TO THE MONEY BACK GUARANTEE ASSOCIATED WITH THE PRODUCT THAT YOU HAVE PURCHASED, IF YOU CANCEL WITHIN THE MONEY BACK GUARANTEE PERIOD, WE WILL REFUND YOUR MONEY AS SOON AS REASONABLY POSSIBLE.

Products – Subscriptions

Subscriptions (eg memberships) are products that have regular Recurring Payments. You agree to pay for any Subscription Products by recurring payment and all Subscription plans will continue indefinitely until you cancel your subscription.

We will automatically charge you and you accept responsibility for all recurring charges incurred in your Subscription. You agree that we may make periodic charges relating to your Subscription without further authorisation from you.

Once the first payment has been received for your Subscription, you will receive an email with your invoice/receipt and a second email with your login details or download instructions as appropriate to access the Product.

You may cancel your subscription at any time by giving 7 WORKING DAYS’ NOTICE PRIOR TO THE DATE OF YOUR NEXT SUBSCRIPTION INSTALMENT stating that you wish to cancel your subscription. For example, if your billing cycle is on the 2nd of every month, and you cancel on the 28th, you’ll still have to pay for next period, but you won’t be charged again after that. You accept responsibility for all recurring charges incurred prior to cancellation. In order to treat everyone equally, no exceptions will be made.

How to cancel your subscription:We have 2 ways of cancelling your subscription.  (1) Some of our subscriptions enable you to cancel via the self-serve option by logging into your Account and clicking on the cancel subscription button (which will cancel your subscription immediately).  (2)  You can cancel your subscription by informing us in writing via email (please tell us the product-subscription) you want to cancel). Please use our contact form to email us about your subscription cancellation.

PLEASE NOTE THAT IF YOU GIVE US NOTICE OF CANCELLATION FEWER THAN 7 WORKING DAYS BEFORE A PENDING SUBSCRIPTION INSTALMENT PAYMENT IS DUE TO BE CHARGED, WE CANNOT GUARANTEE THAT THAT CHARGE WILL BE CANCELLED IN TIME.

Disruption of Service

The Company does not warrant that use of the Site will be uninterrupted or error free, that defects will be corrected, or that this Site, the Content, and/or the materials available on this Site are free from bugs or viruses or other harmful components.

The Company shall not be responsible for any performance or service problems caused by any third party website or third party service provider (including but not limited to your web service provider service, Paypal/PayflowPro or Stripe payment services, your software and/or any updates or upgrades to that software). Any such problem shall be governed solely by the agreement between you and that provider.

THE COMPANY RESERVES THE RIGHT TO DETERMINE, IN ITS SOLE DISCRETION, WHETHER THE COMPANY IS RESPONSIBLE FOR ANY SUCH MALFUNCTION OR DISRUPTION. THE COMPANY MAY, IN ITS SOLE DISCRETION, REFUND THE INITIAL FEE CHARGED FOR ANY USE OF THE SITE AND/OR ANY CONTENT OR A PRO-RATA PORTION THEREOF CONSISTENT WITH THE COMPANY’S REFUND POLICY.

User Generated Content

User generated content [“User Content”] refers to comments posted on our blogs, social networks, message boards or forums, testimonials, suggestions, or any other types of submissions to the Company about the Company or the Site, including but not limited to notes, text, drawings, images, designs, audio, video, or computer programs. You warrant and represent that you own or otherwise have all necessary rights to the User Content, it does not contain any malicious code, and each person depicted has provided their consent.

User Content shall become, and shall remain, the sole property of the Company. No User Content shall be subject to any obligation of confidence on the part of the Company. The Company shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.

THE COMPANY HAS NO OBLIGATION TO YOU TO MONITOR THIS WEBSITE OR ANY USER CONTENT AND DOES NOT GUARANTEE THE TRUTHFULNESS, ACCURACY, OR VALIDITY OF ANY USER CONTENT ON OUR SITE. HOWEVER, WE RESERVE THE RIGHT AT ABSOLUTE AND SOLE DISCRETION TO REVIEW ANY USER CONTENT, EDIT OR REMOVE ANY USER CONTENT THAT WE CONSIDER UNLAWFUL INAPPROPRIATE OR UNACCEPTABLE OR IF WE RECEIVE A COMPLAINT ABOUT THAT USER CONTENT, INCLUDING BUT NOT LIMITED TO OFFENSIVE, THREATENING, LIBELLOUS, DEFAMATORY, PORNOGRAPHIC, OBSCENE OR OTHERWISE OBJECTIONABLE OR VIOLATES ANY PARTY’S INTELLECTUAL PROPERTY OR THESE TERMS OF USE.

Violation of Terms of Use

IN ITS SOLE DISCRETION THE COMPANY RESERVES THE RIGHT TO LIMIT YOUR USE OF THE SITE, REFUSE ACCESS TO THE SITE AND/OR THE CONTENT AND PRODUCTS, OR TO TERMINATE YOUR ACCOUNT SHOULD THE COMPANY DETERMINE THAT YOU HAVE VIOLATED THESE TERMS OF USE, OR BREACHED THIS AGREEMENT, OR THAT YOU HAVE VIOLATED ANY OTHER RULES OR CONDITIONS OF THE COMPANY.

Liability and Indemnity

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, RELIANCE OR CONSEQUENTIAL DAMAGES, WHETHER FORESEEABLE OR NOT, INCLUDING BUT NOT LIMITED TO DAMAGE OR LOSS OF PROPERTY, EQUIPMENT, INFORMATION OR DATA, LOSS OF PROFITS, REVENUE OR GOODWILL, COST OF CAPITAL, COST OF REPLACEMENT PRODUCTS, OR CLAIMS FOR SERVICE INTERRUPTIONS OR TRANSMISSION PROBLEMS, OCCASIONED BY ANY DEFECT IN THE SITE, THE CONTENT, THE PRODUCTS AND/OR RELATED MATERIALS, THE INABILITY TO USE SITE PROVIDED HEREUNDER OR ANY OTHER CAUSE WHATSOEVER WITH RESPECT THERETO, REGARDLESS OF THEORY OF LIABILITY. THIS LIMITATION WILL APPLY EVEN IF THE COMPANY HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

YOU AGREE TO INDEMNIFY AND HOLD THE COMPANY AND EACH OF ITS DIRECTORS, OFFICERS EMPLOYEES, AND AGENTS, HARMLESS FROM ANY AND ALL LIABILITIES, CLAIMS, DAMAGES AND EXPENSES, INCLUDING REASONABLE ATTORNEY’S FEES, ARISING OUT OF OR RELATING TO (i) YOUR BREACH OF THIS AGREEMENT, (ii) ANY VIOLATION BY YOU OF THE LAW OR THE RIGHTS OF ANY THIRD PARTY, (iii) ANY MATERIALS, INFORMATION, WORKS AND/OR OTHER CONTENT OF WHATEVER NATURE OR MEDIA THAT YOU POST OR SHARE ON OR THROUGH THE SITE, (iv) YOUR USE OF THE SITE OR ANY PRODUCTS THAT THE COMPANY MAY PROVIDE VIA THE SITE, AND (v) YOUR CONDUCT IN CONNECTION WITH THE SITE, CONTENT, PRODUCTS OR SERVICES OR WITH OTHER USERS OF THE SITE, CONTENT, PRODUCTS OR SERVICES.

The Company reserves the right to assume the exclusive defence of any claim for which the Company is entitled to indemnification under this Section. In such event, you shall provide the Company with such cooperation as is reasonably requested by the Company.

The provisions of these Terms of Use are for the benefit of the Company, its subsidiaries, affiliates and its third party content and product providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.

Privacy

The Company shall use commercially reasonable efforts to restrict unauthorized access to our data and files. However, no system whether or not password protected can be entirely impenetrable. You acknowledge that it may be possible for an unauthorized third party to access, view, copy, modify, or distribute the data and files you store using the Site. USE OF THE SITE IS COMPLETELY AT YOUR OWN RISK.

THE COMPANY RESPECTS YOUR PRIVACY CONCERNS AND WILL NOT INTENTIONALLY DISCLOSE ANY PERSONALLY IDENTIFYING INFORMATION ABOUT YOU TO THIRD PARTIES, EXCEPT WHERE THE COMPANY, IN GOOD FAITH, BELIEVES SUCH DISCLOSURE IS NECESSARY TO COMPLY WITH THE LAW OR ENFORCE THESE TERMS OF USE. OUR FULL PRIVACY POLICY CAN BE FOUND HERE .

Governing Law

This agreement shall be governed by and construed in accordance with the laws of the State of South Australia, AUSTRALIA, without giving effect to any principles of conflicts of law. You further submit to the exclusive jurisdiction of the State and Australian Federal courts. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

Other

THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. These Terms of Use may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms of Use to which you are bound.

In accordance with the US Office of Foreign Assets Control (OFAC) regulations the Company cannot trade with certain countries – check with the US Treasury for the most recent information.

Headings are provided for your convenience only.

Company Details

Name:           BusinessNavigate.com and BusinessNavigateAcademy.com

Vendor ID:    BUSINESSNAVIGATE (this will appear on all invoice/statements)

Address:       GPO Box 567 | 10 Franklin Street | Adelaide SA 5001 | AUSTRALIA

To read our other Policies click here: Privacy Policy, Disclaimers

Last Updated: 9 July 2021