Terms of Service

1. Who we are and what these terms cover

The App is provided by GBX PS Pty Ltd (ABN 45 674 252 905), trading as GBX Professional Services, of 260 Spencer Street, Melbourne VIC 3000 (we, us, our). These terms are a binding agreement between you and us. By downloading, installing or using the App you agree to them. If you do not agree, do not use the App.

You must be at least 18 years old to use the App. The App is designed for adults preparing for the financial adviser exam in Australia.

2. Educational purpose only

The App provides practice questions and study material to help you prepare for the financial adviser exam in Australia. It is an educational tool only.

• We do not guarantee that using the App will help you pass any exam, achieve any score or obtain any qualification or registration.
• Questions are original practice material written for the App. They are not actual exam questions and do not predict the content of any exam. The App does not replace the official exam guidance or the requirements set for the exam.
• GBX PS Pty Ltd does not hold an Australian Financial Services Licence (AFSL). The App does not give personal financial, investment, legal, tax or compliance advice. Nothing in it should be relied on when advising clients or making financial decisions.

3. No affiliation

The App is independent. It is not affiliated with, endorsed by or sponsored by the Australian Securities and Investments Commission (ASIC), the Treasury, the former Financial Adviser Standards and Ethics Authority (FASEA), any exam provider, or any licensee or financial services firm. Names of laws, regulators and exams are used only to describe the subject matter.

4. Accuracy and currency of content

Laws, regulations, standards and exam requirements change. We take reasonable care to keep content accurate, but we do not warrant that it is complete, current or error free. Check primary sources, such as legislation, regulatory guidance and the official exam materials, before relying on anything in the App. If you think a question or answer is wrong, tell us at [email protected].

5. Licence and acceptable use

We grant you a personal, non-exclusive, non-transferable, revocable licence to use the App on devices you own or control, for your own study. You must not:

• copy, scrape, extract, redistribute, publish or resell the questions, answers, explanations or other content;
• share your paid access with other people or use a single purchase for a group;
• reverse engineer, modify or interfere with the App, its purchase checks or its ads;
• use the App for any unlawful purpose, or use automated tools to access it.

We and our licensors own all intellectual property in the App and its content. These terms do not transfer any ownership to you.

6. Free version, ads and unlocking

The App is free to download. The free version includes 50 practice questions and is supported by advertising, including full-screen ads shown between practice sessions. You can choose to watch a rewarded ad to unlock the full question bank and timed exams for 30 minutes. What the free version includes, the length of an unlock and how often ads appear may change over time.

7. Purchases

Paid options are sold and billed by Google Play or the Apple App Store, in Australian dollars or your local currency. The price and description are shown in the App and in the store before you buy, and the price shown at checkout is the price you pay. Prices may change. The current options are:

• Monthly subscription (currently A$19.99 a month): the full question bank, timed exams and no ads while the subscription is active.
• Lifetime unlock (currently A$29.99, paid once): the full question bank, timed exams and no ads for as long as we make the App available. Lifetime means the life of the App, not your life. If we discontinue the App, we will give reasonable notice where practical.

Subscriptions renew automatically each month until you cancel. Cancel at any time in the store: on Android, open the Google Play Store, tap your profile picture, then Payments and subscriptions, then Subscriptions; on iPhone or iPad, open Settings, tap your name, then Subscriptions. Cancelling takes effect at the end of the current billing period and you keep access until then. Deleting the App does not cancel a subscription.

Refunds are handled by Google Play or Apple under their refund policies. Nothing in these terms limits any rights you have under the Australian Consumer Law, including a remedy for a major failure with a digital product.

Use Restore purchases in the App to restore a purchase on a new device signed in to the same Google account or Apple ID. Purchases are tied to the store you bought from and do not carry over between Android and Apple devices.

8. Third-party services

The App uses third-party services, including Google Play and the Apple App Store (purchases), Google AdMob (advertising) and Google Fonts (typefaces). Their own terms and privacy policies apply to your use of them. We are not responsible for third-party ads or websites. How we handle personal information is explained in our privacy policy at gbxps.com/exam-trainer/privacy.

9. If you downloaded the App from the Apple App Store

These terms are between you and us, not Apple. We, not Apple, are responsible for the App, its content, maintenance, support and any claims about it, including product liability claims, claims that it fails to meet a legal or regulatory requirement, consumer protection claims and intellectual property claims. Apple has no obligation to provide maintenance or support for the App. If the App fails to meet a warranty that applies to it, you may notify Apple and Apple will refund the purchase price; to the extent the law allows, Apple has no other warranty obligation for the App. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. You must also comply with the Apple Media Services Terms and Conditions.

10. Consumer guarantees and limitation of liability

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law and, for users in New Zealand, the Consumer Guarantees Act 1993. Nothing in these terms excludes, restricts or modifies those guarantees. Subject to that, and to the extent permitted by law:

• the App and its content are provided as is, without any warranty that they are error free, uninterrupted or fit for a particular purpose;
• we are not liable for any loss arising from reliance on the App's content, including exam results, career or registration outcomes, or any advice you give to others;
• where the law lets us limit our liability for failing to meet a consumer guarantee, our liability is limited to supplying the service again or paying the cost of having it supplied again;
• otherwise, our total liability to you in connection with the App is limited to the amount you paid for the App in the 12 months before the claim.

11. Suspension and termination

We may suspend or end your access if you breach these terms or misuse the App. You may stop using the App at any time. Sections that by their nature should survive termination (including sections 2 to 5, 10 and 13) continue to apply.

12. Changes

We may update the App and these terms from time to time. If we make material changes, we will update the effective date and, where appropriate, let you know in the App. Continued use after a change means you accept the updated terms.

13. Governing law

These terms are governed by the laws of Victoria, Australia, and the parties submit to the non-exclusive jurisdiction of the courts of Victoria. This does not limit any mandatory consumer rights you have under the law of your own country.

14. Contact

GBX PS Pty Ltd (ABN 45 674 252 905), trading as GBX Professional Services, 260 Spencer Street, Melbourne VIC 3000. Email [email protected].