Business Name: Margit Cruice
ABN: 13 722 883 827
Effective Date: 15 July 2025
Location: Australia
Applies to: Digital programs, including The Joy Rebellion

1. Overview

These Terms and Conditions apply to your purchase of any digital product, program, or course sold by Margit Cruice (ABN 13 722 883 827), operating in Australia.

By completing your purchase, you agree to these terms. If you have any questions, please email margit@margitcruice.com.au before completing your purchase.

2. Who This Is For

All programs and services offered are intended for adults aged 18 and over. By purchasing, you confirm you are at least 18 years of age.

3. Payments

All prices are listed in Australian Dollars (AUD). Payment is processed securely via Stripe. Your payment details are never stored by us.

4. Refund Policy

We want you to feel confident in your decision. If your chosen program isn’t for you, you may request a full refund within 30 days of purchase — no hard feelings.

To request a refund, email margit@margitcruice.com.au with your name and the email used at purchase.

Refunds will be processed to your original payment method and may take a few business days depending on your bank or card issuer.

5. Delivery and Access

After purchase, you’ll receive an email with access instructions for your program. Content may include a mix of live Zoom calls and pre-recorded materials. Live sessions are scheduled in advance and recordings may be provided.

Make sure you enter your email correctly during checkout so you don’t miss important access details.

6. Facebook Group Access

Some programs include access to a private Facebook group. You’re welcome to join, and participation is optional. The group is a supportive space, and respectful behaviour is expected at all times. The group may be moderated, and members can be removed if necessary to maintain a positive experience for all.

7. Privacy

We collect only the personal information needed to deliver our services (usually your name and email). Your information is never sold or shared beyond what’s required to provide the service (e.g. email delivery or Stripe for payments).

By joining a program, you consent to receiving relevant program-related emails. You can unsubscribe from marketing emails at any time, though essential program updates will still be sent if you remain enrolled.

8. Intellectual Property

All content, videos, worksheets, and materials provided in the program are owned by Margit Cruice. You’re welcome to use them for your personal growth and learning, but they may not be copied, shared, or reproduced without written permission.

9. Limitation of Liability

While every effort is made to provide valuable content and guidance, results vary from person to person. You are responsible for your own decisions and actions. Nothing in this program constitutes medical, financial, or legal advice.

Under Australian Consumer Law, you are entitled to certain guarantees. Nothing in these terms excludes those rights.

10. Updates to These Terms

These Terms may be updated from time to time. Any changes will be published here with a new effective date.