Terms of Service & Non-Refundable Policy (Compliant with Australian Consumer Law – SA)

Last Updated: 21/11/2025

By accessing, purchasing, or using any services (“Services”) provided by Crown Capital (“we”, “us”, “our”), you (“Client”) agree to the following Terms of Service.

Please read these Terms carefully before making any purchase.

1. Acceptance of Terms

By using or purchasing our Services, you confirm that:

You have read, understood, and agreed to these Terms in full.

You are legally able to enter into a binding agreement.

If you do not agree to these Terms, you must not access or use our Services.

2. Non-Refundable Policy

All payments made to Crown Capital are final and non-refundable, except where required under the Australian Consumer Law (ACL).

This means no refunds are provided for:

Change of mind

Choosing not to use the Service

Perceived or subjective dissatisfaction

Not achieving desired outcomes

Incorrect assumptions about what the Service includes

We strongly encourage you to review all service information, pricing, inclusions, and deliverables before purchasing.

By completing payment, you acknowledge and agree to this non-refundable policy.

Nothing in this policy removes your rights under the ACL.

Under the ACL, you may be entitled to a remedy if a service fails to meet a consumer guarantee (e.g., major failure).

3. Client Responsibility

By purchasing, you confirm that:

You have reviewed and understood these Terms,

You understand the nature of our Services,

You agree to be bound by these Terms in full.

We are not responsible if you fail to read, understand, or seek clarity on any part of these Terms before purchasing.

4. Chargebacks, Disputes & Resolution Process

4.1 No Chargebacks for Valid Payments

By making any payment (card, bank transfer, digital payment, etc.), you acknowledge the charge as valid and agree to not initiate chargebacks or payment reversals,

except in cases of:

Proven fraud, or

Genuine billing error.

Dissatisfaction, non-usage, or unmet personal expectations do not constitute grounds for a chargeback.

4.2 Required Dispute Procedure

Before making any dispute with your bank or payment provider, you agree to:

Contact us directly at [email protected]

Provide a clear explanation of your concern,

Allow 15 business days for us to investigate and respond.

4.3 Our Right to Contest Chargebacks

You authorize us and our payment processors to dispute and contest any chargeback using all available evidence, including:

Signed agreements

Payment records

Communication logs

Proof of access to services

Acceptance of these Terms

4.4 Bad-Faith Chargebacks

Initiating an unwarranted or dishonest chargeback is considered a breach of contract, and may result in:

Immediate suspension or termination of services,

Referral to collections,

Recovery of outstanding fees, losses, and costs,

Reporting to payment processors or relevant authorities if fraud is suspected.

5. Modifications to Terms

We may update or amend these Terms at any time without prior notice.

It is your responsibility to review the most current version of the Terms before each purchase.

Continued use of our Services indicates acceptance of any updated Terms.

6. Limitation of Liability

To the maximum extent permitted by law:

We exclude liability for any direct, indirect, incidental, or consequential loss arising from use of our Services.

We do not guarantee results, income, performance increases, or any specific outcome.

You acknowledge that results vary based on factors outside our control (your actions, market conditions, advertising budgets, etc.).

However, nothing in these Terms excludes, restricts, or modifies any rights you have under the Australian Consumer Law, including consumer guarantees that cannot be excluded.

If the ACL requires a remedy (refund, re-supply, or compensation), we will comply as required by law.

7. Governing Law

These Terms are governed by the laws of South Australia, and any disputes will be handled in the appropriate courts or tribunals within South Australia.

8. Contact Information

For questions, support, or dispute initiation, please contact:

Email: [email protected]