Terms and Conditions

**Last Updated:** 18 May 2026

Welcome to SettleWise Global (“we”, “our”, “us”). These Terms and Conditions govern your purchase and use of the Australian Migration Playbook and any related digital products, services, downloads, or content provided through our website.

By purchasing, accessing, or using our products or website, you agree to these Terms and Conditions.

# 1. General Information

This website and digital products are operated by SettleWise Global.

The Australian Migration Playbook is an educational and informational digital product designed to provide practical guidance for people moving to Australia.

Nothing in this product constitutes:

* legal advice

* migration advice

* financial advice

* tax advice

* medical advice

* employment advice

You are responsible for verifying any information with official government sources or qualified professionals.

# 2. Eligibility

By purchasing this product, you confirm that:

* you are at least 18 years old, or

* you have permission from a parent or legal guardian

* you have the legal capacity to enter into a binding agreement

# 3. Digital Product Access

Upon successful purchase, you will receive access to the digital product.

Access is granted for personal, non-commercial use only.

You may:

* download and use the product for your own personal reference

You may not:

* share, resell, redistribute, reproduce, or sublicense the product

* upload the product to public websites, forums, or file-sharing platforms

* use the content for commercial training, consulting, or resale purposes without written permission

All intellectual property rights remain the property of SettleWise Global.

# 4. No Professional Advice

The information provided in the Australian Migration Playbook is general in nature and may not apply to your individual circumstances.

Australian laws, government systems, visa rules, tax rules, healthcare policies, and other regulations may change over time.

While we aim to keep information accurate and up to date, we do not guarantee:

* completeness

* accuracy

* reliability

* suitability for every individual situation

You should always confirm information directly with official government agencies or qualified professionals before making decisions.

# 5. Migration Advice Disclaimer

SettleWise Global is not a registered migration agent unless explicitly stated otherwise.

The content provided does not constitute migration advice under Australian law.

Nothing in this product should be interpreted as:

* visa eligibility advice

* migration strategy advice

* legal representation

* immigration outcome guarantees

For migration advice specific to your circumstances, consult a registered migration agent or immigration lawyer.

# 6. Financial, Tax, and Employment Disclaimer

Any financial, tax, banking, employment, housing, or investment-related information is provided for general educational purposes only.

We do not provide:

* financial advice

* tax advice

* investment recommendations

* employment guarantees

* lending or credit advice

You should seek professional advice where appropriate.

# 7. Healthcare Disclaimer

Healthcare, insurance, medical, and mental health information is general educational information only.

The Australian healthcare system, Medicare eligibility, private health insurance rules, and treatment availability may vary depending on your visa status, location, provider, and personal circumstances.

Always seek advice from qualified healthcare professionals for medical matters.

# 8. Accuracy and Updates

We make reasonable efforts to review and update the content periodically.

However:

* laws and policies may change

* links may become outdated

* third-party services may change pricing, availability, or eligibility requirements

We reserve the right to update or modify the content at any time without notice.

# 9. Refund Policy

Due to the digital nature of this product, all sales are generally final.

However, if you experience technical issues accessing the product, please contact us and we will make reasonable efforts to resolve the issue.

Refund requests may be considered at our discretion where required under applicable consumer law.

Nothing in these Terms excludes your rights under the Australian Consumer Law.

# 10. Limitation of Liability

To the maximum extent permitted by law, SettleWise Global will not be liable for:

* direct or indirect losses

* financial loss

* migration outcomes

* visa refusals

* employment outcomes

* housing outcomes

* healthcare outcomes

* reliance on information within the product

* third-party services or websites

Your use of this product is at your own risk.

# 11. Third-Party Links and Services

The product may contain links to third-party websites, services, or tools.

We are not responsible for:

* third-party content

* availability

* pricing

* privacy practices

* accuracy of external information

Inclusion of a link does not imply endorsement.

# 12. Intellectual Property

All content included in the Australian Migration Playbook, including:

* text

* branding

* layout

* graphics

* downloads

* checklists

* guides

is protected by copyright and intellectual property laws.

You may not reproduce or distribute any part of the product without prior written permission.

# 13. Privacy

Any personal information collected through purchases, subscriptions, or contact forms will be handled in accordance with our Privacy Policy.

We do not sell personal information to third parties.

# 14. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia.

Any disputes arising in connection with these Terms shall be subject to the jurisdiction of the courts of New South Wales.

# 15. Contact

For questions or support, please contact:

**SettleWise Global**

Email: hello@settlewiseglobal.com

Website: https://settlewiseglobal.com

# 16. Acceptance of Terms

By purchasing or using the Australian Migration Playbook, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

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