Introduction

These Terms of Service (“Terms”) are a legal agreement between N & S Consultants Pty Ltd and you, a user of our website located at www.nattystephens.com. Please read this agreement carefully. By accessing or using our website, products, or services, you agree to be bound by these Terms and our Privacy Policy. Any new features, updates, upgrades, or new services we introduce are also subject to these Terms. Certain products or services we offer may be governed by additional terms and conditions, which will be provided at the time they apply; your use of those offerings constitutes acceptance of the additional terms.

These terms set out the legally binding conditions for your use of the website. By accessing, downloading, or using the website, you accept these terms and represent and warrant that you have the right, authority, and capacity to enter into this agreement. If you do not agree with all of the provisions of these terms, do not access or use the website.

Our Content; Proprietary Rights

Through our website, we make available digital products and services, which may include videos, audio‑visual materials, music, sounds, graphics, photographs, educational resources, and other content (collectively, “Content”). All information, materials, functions, and Content on the website are owned by or licensed to N & S Consultants Pty Ltd. Your rights are limited to a personal, non‑exclusive, non‑transferable, revocable licence to access and use the Content as part of the website and for your own lawful, personal use. No Content may be used, reproduced, transmitted, distributed, displayed, sold, licensed, or otherwise exploited except as expressly permitted by these Terms.

We also collect information and data generated from your use of the website, including (without limitation) information about your viewing and interaction with the Content. We may use this data for benchmarking, analytics, service enhancements, and other lawful purposes, as described in our Privacy Policy.

The name N & S Consultants Pty Ltd and our associated graphics, logos, designs, page headers, button icons, scripts, and service names are trademarks, trade names, or trade dress of N & S Consultants Pty Ltd in Australia and/or other countries. They must not be used in connection with any product or service in any manner likely to cause confusion. All rights not expressly granted are reserved. We respect intellectual property rights and may, in appropriate circumstances and in our discretion, disable or terminate the accounts of users who repeatedly infringe or are repeatedly accused of infringing the rights of others.

Third‑Party Links

The website may reference or link to third‑party websites or resources. We are not responsible for the availability, accuracy, content, advertising, products, or other materials on or available from such websites or resources. Links are provided for convenience only and do not constitute endorsement. You access third‑party sites at your own risk.

Your Account

If you purchase a product or service, you may be required to create an account and set a unique username and password. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Notify us immediately of any unauthorised use of your password or account or any other breach of security. You acknowledge and agree that we may preserve and disclose account information if required by law or in the good‑faith belief that such action is reasonably necessary to comply with legal process or to enforce these Terms.

Privacy Information

By using the website and our services, you may provide N & S Consultants Pty Ltd with information about yourself. By continuing to use the website or services, you consent to the collection, use, and disclosure of your information in Australia and any other country in which we operate, in accordance with our Privacy Policy.

a) Information We May Collect or Receive:

• When you register for an account, you provide a valid email address and may also provide your name, billing information, and other details.

• Depending on how you use the website or services, we may receive information from external applications you use to access our website.

• We may also receive information through web technologies such as cookies, log files, clear gifs, and web beacons.

b) How We Use Information:

• To operate, maintain, and improve the website and services, including communicating with you by email or other channels.

• To monitor, analyse, and enhance marketing and analytics; we may work with third‑party providers for these purposes.

c) How You Can Protect Your Information:

• You may disable cookies in your web browser if you do not wish us to collect passive information via such technologies; note that doing so may affect website functionality.

• We will still receive information that you directly provide to us nattystephenspole@gmail.com

Eligibility, Payment Processing, and Order Fulfilment

Our website may be hosted or supported by Squarespace and may use third‑party payment processing services such as Stripe. When you submit payment details to complete an order, your information is transmitted securely by the relevant platform to its payment processor, which verifies the payment and remits funds to us. Neither we nor our hosting platform store your full credit card number or card image.

Sales and use taxes (if applicable) are based on your location and our location, and purchase prices may be inclusive of taxes where indicated. You are responsible for any applicable taxes relating to your payments and agree to indemnify and hold harmless N & S Consultants Pty Ltd and our platform providers from any liability arising from your failure to pay taxes, including where such failure results from incorrect information supplied by you. If you believe you are entitled to a tax refund, you are responsible for pursuing that refund with the appropriate authority.

For digitally distributed content, our platform may fulfil orders by making the Content available for streaming or download and may inform you of device or system requirements. You are responsible for completing the download and bear all risk of loss after download. Resolution and quality may depend on your device, available bandwidth, and other factors. While we strive to provide a quality experience, neither we nor our platform providers guarantee resolution or quality. Upon receipt of an order, the platform may notify us so that we can fulfil any portion delivered directly by us.

Acceptable Use

You agree not to use or launch any automated system, including but not limited to robots, spiders, or offline readers, that sends more requests to our servers in a given period than a human can reasonably produce using a conventional web browser in the same period. You agree to comply with all applicable laws when using the website.

Unacceptable Use

You must not:

• modify, adapt, sublicense, translate, sell, reverse engineer, decompile, or disassemble any portion of the website;

• remove any copyright, trademark, or other proprietary rights notices contained in or displayed on any portion of the website or any Content;

• frame or mirror any portion of the website, or link to any material other than via the homepage or URLs we expressly provide for such purposes, without prior written permission;

• use any robot, spider, site search/retrieval application, or any manual or automatic device or process to retrieve, index, data‑mine, or otherwise reproduce or circumvent the navigational structure or presentation of the website; or

• harvest or collect information about or from users of the website without their express consent and only in compliance with applicable law.

Warranties; Limitation of Liability; Indemnity

The website, content, and services are provided “as is” and “as available.” to the maximum extent permitted by law, we disclaim all warranties, express, implied, or statutory, including without limitation warranties of title, non‑infringement, merchantability, and fitness for a particular purpose. We do not warrant that the website will be uninterrupted, secure, or error‑free; that it will meet your expectations; or that any content is accurate or reliable. We may change any part of the website at any time without notice.

To the maximum extent permitted by law, we will not be liable for any indirect, consequential, special, incidental, or punitive damages; any lost profits; loss of data; or cost of substitute goods or services, however caused and under any theory of liability (including negligence or strict liability), arising out of or in connection with these terms or your use of the website or services, even if we have been advised of the possibility of such damages.

In no event shall our aggregate liability arising out of or related to these terms or your use of the website or services, whether in contract, tort, or otherwise, exceed the greater of (a) the fees you paid for the specific content or products giving rise to the claim.

You agree to defend, indemnify, and hold harmless N & S Consultants Pty Ltd, its officers, directors, employees, and agents from and against any claims, actions, suits, or proceedings, and all related losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of your breach of these Terms or violation of any law or third‑party rights.

TERMS OF ENROLMENT

The following Terms of Enrolment govern your participation in any program, course, or membership (collectively, the “Program”) offered by N & S Consultants Pty Ltd. By visiting and using the Program portal or membership site at www.nattystephens.com, you agree that your use of the site, participation in the Program, and use of Program materials are governed by these Terms of Enrolment, together with our Terms of Service and Privacy Policy.

The subscription includes:

• Access to the subscription portal available at www.nattystephens.com

We are committed to providing all participants with a positive experience. Accordingly, N & S Consultants Pty Ltd may, at its sole discretion, limit, suspend, or terminate your participation in any of its programs whether live, recorded, social‑media based, or digital without refund or forgiveness of remaining payments if (i) you become disruptive or difficult to work with; (ii) you fail to follow program guidelines; or (iii) your conduct impairs the participation of our instructors or other participants.

You acknowledge and agree that:

• The Program content is not a substitute for health and wellness training, certification, accreditation, or licensing.

• Participation in the Program does not satisfy licensing requirements and does not independently authorise you to provide professional services.

• Your activities remain subject to your own education, qualifications, and any applicable licences.

Content

Program education and information are intended for a general audience and are not tailored to the needs of any individual. Program materials are for personal use only and may not be sold, recorded, videotaped, shared, taught, given away, or otherwise disclosed without the prior written consent of N & S Consultants Pty Ltd or its authorised agent. The information contained in Program materials is provided for educational purposes only; if you choose to apply ideas from the materials, you do so at your own risk. We assume no responsibility for errors or omissions that may appear in any Program materials. Usernames and passwords may not be shared with third parties. Any violation of our policies regarding content use will result in immediate termination of your enrolment without refund.

Membership and Fees

Billing

• Subscriptions are billed on a recurring monthly, half‑yearly, or annual basis calculated from the original sign‑up date.

• Active subscribers benefit from a price‑lock: your subscription rate remains the same for as long as your subscription stays active, even if public pricing increases.

Termination

These Terms take effect when you first access or use the website and continue until terminated in accordance with these Terms. We may, in our sole discretion, suspend, block, or terminate your access to all or part of the website and any Content, with or without notice, for any reason. Any suspected illegal or fraudulent activity may be referred to law‑enforcement authorities.

Cancellation and Refund Policy

Your purchase of a product, service, or event ticket may or may not be eligible for a refund. Monthly, half‑yearly, and annual subscribers may cancel at any time to prevent future billing. Active subscribers may cancel through their account settings after logging into www.nattystephens.com and will retain access to subscription resources until the end of the paid term. After termination, you will not have access to subscription resources. Trial subscribers must cancel before the end of the trial to avoid being charged; trial subscriptions are not eligible for refunds. All sales are final. Where a refund is authorised due to extenuating circumstances, it will be processed less any transaction and administration fees.

Governing Law; Jurisdiction

These Terms are governed by the laws of Victoria, Australia, without regard to its conflict‑of‑law rules. Any claim or controversy arising from or related to these Terms must be brought in the state courts of Victoria, Australia or the federal courts located in Victoria, Australia. Each party submits to the exclusive jurisdiction and venue of such courts.

Miscellaneous

These Terms and our Privacy Policy constitute the entire agreement between you and N & S Consultants Pty Ltd regarding the website and services. You may not assign these Terms, in whole or in part, without our prior written consent; any purported assignment in violation of this clause is void. We may assign or transfer these Terms and the rights granted hereunder in connection with any corporate reorganisation, merger, or sale of all or substantially all assets related to these Terms. These Terms bind and inure to the benefit of the parties and their respective heirs and permitted assigns. If any provision is held illegal, invalid, or unenforceable by a court of competent jurisdiction, the remaining provisions remain in full force and effect. No waiver of any breach constitutes a waiver of any prior, concurrent, or subsequent breach; waivers must be in writing and signed by an authorised representative.

Modifications

We may update these Terms at any time by posting the revised version on this page and indicating the effective date. You are responsible for reviewing the Terms periodically to stay informed of changes. By continuing to access or use the website after changes become effective, you agree to be bound by the updated Terms.

Online Commerce

Certain areas of the website may allow you to purchase products and services offered by third parties. We are not responsible for the quality, accuracy, timeliness, reliability, or other aspects of such products or services. If you make a purchase on our website or on a website linked from our website, information collected during your visit (such as your payment details and contact information) may be collected by the merchant and by us. Third‑party merchants may have privacy and data‑collection practices that differ from ours, and we have no responsibility or liability for their policies. In addition to these Terms, you may be subject to additional terms and conditions specific to your purchase or use of third‑party products or services. For more information about a merchant’s store, policies, or additional terms, visit the merchant’s website or contact the merchant directly.

You release N & S Consultants Pty Ltd and our affiliates from any damages arising from your purchase or use of products or services made available by third parties through the website. Your dealings with any third party found on or through our website including payment and delivery of goods or services and any associated terms, conditions, representations, or warranties are solely between you and that third party. We are not responsible or liable for any loss, damage, or other matters of any sort incurred as the result of such dealings.

You agree to be financially responsible for all purchases made by you or by someone acting on your behalf through the website. You agree to use the website and to purchase services or products for legitimate, non‑commercial purposes only. You further agree not to make purchases for speculative, false, or fraudulent purposes or in anticipation of demand for a particular product or service. You agree to purchase goods or services only for yourself or for another person for whom you are legally permitted to do so. If you purchase on behalf of a third party and must submit their personal information to us or a merchant, you represent that you have obtained that third party’s express consent to provide their information.

Contact Us

If you have any questions or comments regarding these Terms or our Privacy Policy, please contact us at: nattystephenspole@gmail.com. These Terms of Service are effective as of 26 August 2025.