By accessing or using the Loan Therapy website or platform (“Platform”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, you must not use the Platform.

For the purposes of these Terms:

• “Loan Therapy”, “we”, “us”, “our” refers to LoanTherapy, operated by ADG Group Pty. Limited.
• “You”, “your”, “user” refers to any person accessing or using the Platform.

Loan Therapy is an education-led digital platform designed to help users understand how their existing loans behave over time.

Loan Therapy:

• Does not provide financial advice
• Does not recommend actions or strategies
• Does not sell loans, refinancing, or financial products
• Does not restructure or modify loans
• Does not act on your behalf

All information provided is general, educational insight only. All decisions, actions, and implementations remain entirely your responsibility.

Use of the Platform does not create:

• a financial adviser relationship
• a coaching relationship
• a fiduciary relationship

Nothing on the Platform constitutes personal financial, legal, or tax advice. You should seek licensed professional advice before making financial decisions.

You acknowledge and agree that:

• Loan Therapy does not guarantee outcomes or results
• Outcomes depend on your individual circumstances and decisions
• You are solely responsible for how you use any insight or information provided
• You remain responsible for all real-world financial decisions and consequences

Access to the Loan Therapy Platform requires payment of the applicable fee displayed at the time of purchase.

Payment is processed via a third-party provider. Loan Therapy does not store your credit card details.

Loan Therapy offers a 48-hour money-back guarantee.

If you determine the Platform is not right for you, you may request a full refund within 48 hours of purchase, provided you comply with any reasonable refund process requirements.

After the 48-hour period, refunds are not guaranteed except where required by Australian Consumer Law.

While we endeavour to provide continuous access, Loan Therapy does not guarantee uninterrupted availability of the Platform.

We are not liable for:

• temporary outages
• maintenance interruptions
• technical errors beyond our reasonable control

To the maximum extent permitted by law:

• Loan Therapy is not liable for any direct, indirect, incidental, or consequential loss
• This includes financial loss, opportunity loss, or reliance on Platform information
• Use of the Platform is entirely at your own risk

Nothing in these Terms excludes rights that cannot be excluded under Australian Consumer Law.

The Platform may contain links to third-party websites. These are provided for convenience only. Loan Therapy does not endorse or accept responsibility for third-party content or services.

All content on the Platform, including text, design, graphics, and methodology, is owned by or licensed to Loan Therapy.

You may not:

• reproduce
• distribute
• commercialise
• reverse engineer any content without prior written consent

You must not:

• use the Platform for unlawful purposes
• attempt to extract or copy proprietary methodologies
• use the Platform to compete directly with Loan Therapy

We reserve the right to suspend or terminate access for misuse.

Your use of the Platform is subject to our Privacy Policy, which explains how personal information is collected and handled in accordance with Australian Privacy Principles.

We may update these Terms from time to time. Continued use of the Platform constitutes acceptance of any updated Terms.

These Terms are governed by the laws of South Australia, Australia.

You submit to the exclusive jurisdiction of the courts of South Australia.

If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force and effect.