Terms & Conditions

  1. Introduction
    1. This website can be accessed at smartmoneyjournal.com, related mobi-sites and software applications (the “Website”) and is owned and operated by The Smart Financial Group Pty Limited (“The Smart Money Journal”, “we”, “us” and “our”).
    2. These Website Terms and Conditions (“Terms and Conditions”) govern the ordering, sale and delivery of Goods, and the use of the Website.
    3. These Terms and Conditions are binding and enforceable against every person that accesses or uses this Website (“you”, “your” or “user”), including without limitation each user who registers as contemplated below (“registered user”). By using the Website and by clicking on the “Buy now” button on the Website, as may be applicable, you acknowledge that you have read and agree to be bound by these Terms and Conditions.
    4. The Website enables you to shop online for e-books, books, services and more(“Goods”).
  2. Important Notice
    1. These Terms and Conditions apply to users who are consumers for purposes of the Consumer Protection Act, 68 of 2008 (the “CPA”).
    2. These Terms and Conditions contain provisions that appear in similar text and style to this clause and which –
      1. may limit the risk or liability of The Smart Financial Group or a third party; and/or
      2. may create risk or liability for the user; and/or
      3. may compel the user to indemnify The Smart Financial Group or a third party; and/or
      4. serves as an acknowledgement, by the user, of a fact.
    3. Your attention is drawn to these Terms and Conditions because they are important and should be carefully noted.
    4. If there is any provision in these Terms and Conditions that you do not understand, it is your responsibility to ask The Smart Money Journal to explain it to you before you accept the Terms and Conditions or continue using the Website. If you are unfamiliar with eBooks, please pay particular attention to clause 10 below, which describes the nature, functionality, usage rights and delivery of eBooks.
    5. Nothing in these Terms and Conditions is intended or must be understood to unlawfully restrict, limit or avoid any right or obligation, as the case may be, created for either you or The Smart Money Journal in terms of the CPA.
    6. The Smart Money Journal permits the use of this Website subject to the Terms and Conditions. By using this Website in any way, you shall be deemed to have accepted all the Terms and Conditions unconditionally. You must not use this Website if you do not agree to the Terms and Conditions.
  3. Returns

Products damaged on delivery

  1. Should a product/book be damaged or missing any parts at the time of delivery / collection, please notify us within 7 days of such delivery / collection by logging an email on the Website (email under Work with me page).
  2. We will arrange to collect the product from you at no charge. Once we have inspected the product and validated your return, we will at your choice repair / replace the product as soon as possible (if such repair is possible/ we have the same product in stock to use as a replacement) or credit your account with the purchase price of the product (or refund you if that is your preference).
  3. Please note that we only refund to the payment method that you originally used
  4. We will not refund for wear and tear of product/book
  5. We will not refund for e-books except in case of e-book download link being defective.