Last updated: May 11, 2026
By accessing or using the Sparkling Text website (sparkling-text.com) and services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.
Sparkling Text provides financial education services, strategies, and resources designed to help Australians improve their financial situations. Our services include budget planning, debt reduction strategies, investment education, tax optimization guidance, and financial coaching.
The information and services provided by Sparkling Text are for educational purposes only and do not constitute professional financial advice. We are not registered financial advisors, and our services should not be considered a substitute for professional financial planning or advice.
While we provide strategies and education based on proven principles, we cannot guarantee specific financial results. Your results will depend on your individual circumstances, implementation, and factors beyond our control.
You are solely responsible for your financial decisions. We encourage you to conduct your own research and consult with licensed professionals before making significant financial decisions.
You must be at least 18 years old and a resident of Australia to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.
Some services may require you to create an account or provide personal information. You agree to:
Prices for our services are listed in Australian Dollars (AUD) and are subject to change. Payment is required before service delivery unless otherwise agreed in writing.
Due to the nature of digital educational products and personalized services, we generally do not offer refunds once service delivery has begun or digital materials have been accessed. However, we are committed to customer satisfaction and will consider refund requests on a case-by-case basis within 14 days of purchase if service delivery has not commenced.
If you believe you have been incorrectly charged, please contact us at [email protected] within 30 days of the charge.
All content on our website and in our services, including text, graphics, logos, images, videos, software, and educational materials, is the property of Sparkling Text and protected by Australian and international intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. You may not:
You agree not to:
Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our data collection and use practices.
Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party services is at your own risk and subject to their terms and policies.
To the maximum extent permitted by Australian law:
You agree to indemnify and hold harmless Sparkling Text, its owners, employees, and affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of our services or violation of these terms.
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these terms.
These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Victoria.
Before initiating any legal proceedings, you agree to first attempt to resolve any disputes through good faith negotiations by contacting us at [email protected]. If negotiations fail, you agree to attempt mediation before pursuing litigation.
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Sparkling Text regarding your use of our services.
If you have questions about these Terms of Use, please contact us:
Sparkling Text
Level 12, 45 Collins Street
Melbourne VIC 3000
Australia
Email: [email protected]
Nothing in these terms is intended to exclude, restrict, or modify any consumer rights under the Australian Consumer Law that cannot be excluded, restricted, or modified by agreement.