Terms and Conditions

Online Course Terms and Conditions

In these Terms, when we say you or your, we mean both you and any entity you are authorised to represent (such as your employer). When we say we, us, or our, we mean Credit Analyst Academy Pty Ltd(ACN 691 486 905). We and you are each a Party to these Terms, and together, the Parties.

These Terms form our contract with you, and sets out our obligations as a service provider and your obligations as a customer. You cannot use our Services unless you agree to these Terms.

Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms.

For questions about these Terms, or to get in touch with us, please email: CAAcademy8@outlook.com

These Terms were last updated on 18^th November 2025.

OUR DISCLOSURES

Please read these Terms carefully before you accept. We draw your attention to:

our privacy policy (on our website) which sets out how we will handle your personal information; and
clause 14 (Liability) which sets out exclusions and limitations to our liability under these Terms.

These Terms do not intend to limit your rights and remedies at Law, including any of your Consumer Law Rights.

Engagement and Term
1. These Terms apply from the Commencement Date until the date that is the earlier of:
  - the date set out in the Email;
  - the date the Services are completed (as reasonably determined by us); or
  - the date on which these Terms are terminated,

(Term)

Services
1. In consideration of your payment of the Price, we will provide the Services in accordance with these Terms, whether ourselves or through our Personnel.
2. You acknowledge and agree that any information, advice, material or work provided by us as part of the Services does not constitute legal, financial, due diligence, employment or risk management advice
3. You are solely responsible for ensuring that a chosen Course meets your professional needs, career objectives and language proficiency requirements. All Courses are delivered in English and you must be fluent in English to ensure effective learning outcomes. While we may offer guidance on what options may suit you, the final decision rests with you and we make no specific guarantees to you about the suitability of any specific Course for your particular circumstances, nor do we guarantee any employment, promotion, certification or other career outcomes from completion of a Course.
4. All variations to the Services must be agreed in writing between the Parties and will be priced in accordance with any schedule of rates provided by us, or otherwise as reasonably agreed between the Parties. If we consider that any instructions or directions from you constitute a variation to the scope of the Services or our obligations under these Terms, then we will not be obliged to comply with such instructions or directions unless agreed in accordance with this clause.
5. Notwithstanding clause 2.3, you agree that we may vary the Services or the Price at any time, by providing 30 days’ written notice to you (Variation Notice Period). If you do not agree to any amendment made to the Services or Price, you may, before the end of the Variation Notice Period, terminate these Terms by giving us 30 days’ notice in writing, in which case, the proposed variation will not come into effect and clause 15.2 will apply.
Courses
1. We reserve the right, in our sole and absolute discretion (acting reasonably), to:
  - refuse or decline any enrolment applicati
  - require an interview or assessment before confirming enrolment; and
  - withdraw, suspend or terminate your access to any Course at any time if you do not meet our eligibility requirements (as determined by us), breach these Terms, or act in a manner that is detrimental to other Course participants, our Personnel, or the integrity of the Services.
2. All Courses are delivered online only via our Learning Platform. You acknowledge and agree that:
  - you are responsible for ensuring your devices, internet connection, and technical setup are compatible with our learning platform
  - while we use reasonable endeavours to provide uninterrupted access to the learning platform, we do not warrant that access will be error-free, uninterrupted, or free from viruses or other harmful components;
  - you must maintain the confidentiality of your login credentials and must notify us immediately of any unauthorised access to your account;
  - Courses are self-paced unless otherwise specified in the Email;
  - your enrolment and access credentials are personal to you and are non-transferable; and
  - we may use automated systems and artificial intelligence tools to evaluate your responses, assess your work, and detect potential academic integrity issues (including the use of AI tools by you to complete assessments).
3. You agree to:
  - complete all assessments, assignments, and Course work honestly and independently;
  - not engage in plagiarism, cheating, sharing of assessment answers, or unauthorised collaboration with other participants;
  - not use artificial intelligence tools or services to complete assessments unless expressly permitted by us;
  - treat all of our Personnel, trainers, and other Course participants with respect and professionalism; and
  - not record, photograph, or otherwise capture images, video, or audio of our Personnel, trainers, or other Course participants without our prior written consent.
    
    Any breach of this clause 3.3 may result in immediate termination of your access to the Course in accordance with clause 15, without refund
Use of Learning Platform
1. You agree that when accessing or using our Learning Platform, you will:
  - use the Learning Platform only for lawful purposes and in accordance with these Terms;
  - not engage in any activity that may disrupt, damage, or impair the functionality, security, or performance of the Learning Platform, or our systems;
  - not attempt to gain unauthorised access to any part of the Learning Platform, other users’ accounts, or our systems;
  - not introduce or transmit any viruses, malware, or other harmful code; and
  - comply with all reasonable directions and policies we communicate regarding use of the Learning Platform.
2. We reserve the right to suspend or terminate your access to the Learning Platform for any breach of this clause
Media Release
1. You acknowledge and agree that:
  - upon enrolment, we may request a photograph and professional details from you for the purpose of creating a participant profile on our Learning Platform;
  - we may display your name, photograph, professional details, and Course completion status on our Learning Platform, promotional materials or as part of information we share with prospective employers in your sector (where you have granted us consent to share such information);
  - you grant us a perpetual, worldwide, royalty-free, non-exclusive licence to use, reproduce, and display such photograph and details for these purposes; and
  - you may withdraw your consent to the use of your photograph at any time by providing written notice to us, however such withdrawal will not require us to remove materials that have already been published or distributed prior to receiving your notice.
2. This clause 5 will survive the termination or expiry of these Terms.
Your Obligations
1. You agree to:
  - comply with these Terms, all applicable Laws, and our reasonable requests;
  - provide us with all documentation, information, instructions, cooperation and access reasonably necessary to enable us to provide the Services; and
  - not (or not attempt to) disclose, reproduce, distribute, share or provide access to the Course materials, content, or any Our Materials to third parties without our prior written consent. This does not prevent you from using the Course materials for your own personal study and professional development.
Price and Payment
1. In consideration for us providing the Services, you agree to pay all amounts due under these Terms in accordance with the Payment Terms.
2. Unless otherwise specified in the Email or agreed in writing, payment of all invoiced amounts is due within 14 days of the invoice date.
3. If any payment has not been made in accordance with the Payment Terms, we may (at our absolute discretion, and without prejudice to any of our rights or remedies under these Terms or at Law):
  - after a period of 5 Business Days from the relevant due date, cease providing the Services, and recover, as a debt due and immediately payable from you, our reasonable additional costs of doing so (including all recovery costs); and/or
  - charge interest at a rate equal to the Reserve Bank of Australia’s cash rate, from time to time, plus 2% per annum, calculated daily and compounding monthly, on any such amounts unpaid after the relevant due date in accordance with the Payment Terms.
4. When applicable, GST payable will be clearly shown on our invoices. You agree to pay us an amount equivalent to the GST imposed on these charges. “GST” has the meaning given in A New Tax System (Goods and Services Tax) Act 1999 (Cth).
Cancellation or Rescheduling by Us
1. We reserve the right to cancel, reschedule, or modify a Course due to circumstances beyond our reasonable control, including but not limited to trainer illness, insufficient enrolments, technical failures, or Force Majeure Events.
2. Where we cancel or materially reschedule a Course:
  - we will use reasonable endeavours to notify you promptly; and
  - we will offer you the option to:
    - i. transfer your enrolment to an alternative Course date or format (where available); or
    - ii. receive a refund of the Price paid in respect of that Course, provided you have not yet accessed or substantially completed the Course content.
3. For the avoidance of doubt, minor modifications to Course content, format, materials, or trainers to maintain educational quality do not constitute a material rescheduling for the purposes of this clause
Refunds
1. Subject to your Consumer Law Rights, if you cancel your enrolment or fail to complete a Course for any reason, no refund will be provided except where we cancel or materially reschedule a Course in circumstances where clause 8 applies or as expressly set out in clause 15.
2. Where we are required to provide a refund under these Terms or by Law:
  - we will process the refund without undue delay using the same payment method as your original transaction; and
  - any deposit fees, banking fees, or transaction costs incurred in processing your original payment are non-refundable.
3. This clause 9 will survive the termination or expiry of these Terms.
Intellectual Property
1. As between the Parties:
  - we own all Intellectual Property Rights in Our Materials;
  - you own all Intellectual Property Rights in Your Materials; and
  - nothing in these Terms constitutes a transfer or assignment of any Intellectual Property Rights in Our Materials or Your Materials.
2. We grant you a non-exclusive, revocable, royalty-free, worldwide, non-sublicensable and non-transferable right and licence, to use Our Materials that we provide to, solely for your use and enjoyment of the Services, as contemplated by these Terms.
3. You grant us a non-exclusive, irrevocable, royalty-free, worldwide, non-sublicensable (other than to our related bodies corporate, as that term is defined in the Corporations Act 2001 (Cth)) and non-transferable right and licence to use Your Materials that you provide to us solely for the purpose of performing of our obligations or exercising our rights under these Terms.
4. If you (if you are an individual) or any of your Personnel have any Moral Rights in any material provided, used or prepared in connection with these Terms, you agree to (and will procure that your Personnel) consent to our use or infringement of those Moral Rights
5. This clause 8 will survive termination or expiry of these Terms.
Confidential Information
1. Subject to clause 11.2, each Party must (and must ensure that its Personnel) keep confidential, and not use (except to perform its obligations under these Terms) or permit any unauthorised use of, information provided by the other Party, including information about these Terms and the other Party’s business and operations.
2. Clause 11.1 does not apply where the disclosure is required by Law or the disclosure is to a professional adviser in order to obtain advice in relation to matters arising in connection with these Terms and provided that the disclosing Party ensures the adviser complies with the terms of clause 11.1
3. This clause 11 will survive the termination of these Terms.
Privacy
1. You agree to only disclose Personal Information to us if:
  - you are authorised by the Privacy Laws to collect the Personal Information and to use or disclose it in the manner required by these Terms; and
  - you have informed the individual to whom the Personal Information relates, that their Personal Information will be disclosed to us.
2. We agree to handle any Personal Information you provide to us, solely for the purpose of performing our obligations under these Terms, and in accordance with any applicable Laws.
Australian Consumer Law
1. Certain legislation, including the Australian Consumer Law, and similar consumer protection laws and regulations, may confer you with rights, warranties, guarantees and remedies relating to the supply of the Services by us to you which cannot be excluded, restricted or modified (Consumer Law Rights). To the extent that you maintain Consumer Law Rights at Law, nothing in these Terms excludes those Consumer Law Rights
2. Subject to your Consumer Law Rights, we provide all material, work and services (including the Services) to you without conditions or warranties of any kind, implied or otherwise, whether in statute, at Law or on any other basis, except where expressly set out in these Terms.
3. This clause 13 will survive the termination or expiry of these Terms.
Liability
1. Despite anything to the contrary but subject to your Consumer Law Rights, to the maximum extent permitted by Law:
  - (a) neither Party will be liable for Consequential Loss;
  - (b) a Party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the acts or omissions of the other Party (or any of its Personnel), including any failure by that other Party to mitigate its loss; and
  - (c) (where our Services are not ordinarily acquired for personal, domestic or household use or consumption) in respect of any failure by us to comply with relevant Consumer Law Rights, our Liability is limited (at our discretion) to supplying the Services again or paying the cost of having the Services supplied again; and
  - (d) our aggregate liability for any Liability arising from or in connection with these Terms will be limited to the Price paid by you to us in respect of the supply of the relevant Services to which the Liability relates.
2. This clause 14 will survive the termination or expiry of these Terms.
Termination
1. These Terms will terminate immediately upon written notice by a Party (Non-Defaulting Party) if:
  - the other Party (Defaulting Party) breaches a material term of these Terms and that breach has not been remedied within 10 Business Days of the Defaulting Party being notified of the breach by the Non-Defaulting Party; or
  - the Defaulting Party goes bankrupt, insolvent or is otherwise unable to pay its debts as they fall due.
2. Upon expiry or termination of these Terms:
  - we will immediately cease providing the Services;
  - without limiting and subject to your Consumer Law Rights, any payments made by you to us for Services already performed are not refundable to you;
  - you are to pay for all Services provided prior to termination, including Services which have been provided and have not yet been invoiced to you, and all other amounts due and payable under these Terms;
  - by us pursuant to clause 15.1, you also agree to pay us our additional costs, reasonably incurred, and which arise directly from such termination (including recovery fees); and
  - we may retain your documents and information (including copies) to the extent required by Law or pursuant to any information technology back-up procedure, provided that we handle your information in accordance with clause 11.
3. Termination of these Terms will not affect any rights or liabilities that a Party has accrued under it.
4. This clause 15 will survive the termination or expiry of these Terms
General
1. Amendment: Subject to clauses 2.3 and 2.5, these Terms may only be amended by written instrument executed by the Parties.
2. Assignment: Subject to clauses 16.3 and 16.9, a Party must not assign, novate or deal with the whole or any part of its rights or obligations under these Terms without the prior written consent of the other Party (such consent is not to be unreasonably withheld).
3. Assignment of Debt: You agree that we may assign or transfer any debt owed by you to us, arising under or in connection with these Terms, to a debt collector, debt collection agency, or other third party.
4. Assignment of Debt: You agree that we may assign or transfer any debt owed by you to us, arising under or in connection with these Terms, to a debt collector, debt collection agency, or other third party.
5. Force Majeure: Neither Party will be liable for any delay or failure to perform their respective obligations under these Terms if such delay or failure is caused or contributed to by a Force Majeure Event, provided that the Party seeking to rely on the benefit of this clause:
  - (a) as soon as reasonably practical, notifies the other Party in writing details of the Force Majeure Event, and the extent to which it is unable to perform its obligations; and
  - (b) uses reasonable endeavours to minimise the duration and adverse consequences of the Force Majeure Event.
    
    Where the Force Majeure Event prevents a Party from performing a material obligation under these Terms for a period in excess of 60 days, then the other Party may by notice terminate these Terms, which will be effective immediately, unless otherwise stated in the notice. This clause will not apply to a Party’s obligation to pay any amount that is due and payable to the other Party under these Terms.
6. Governing Law: These Terms are governed by the laws of New South Wales. Each Party irrevocably and unconditionally submits to the exclusive jurisdiction of the courts operating in New South Wales and any courts entitled to hear appeals from those courts and waives any right to object to proceedings being brought in those courts.
7. Notices: Any notice given under these Terms must be in writing addressed to the addresses set out in these Terms, or the relevant address last notified by the recipient to the Parties in accordance with this clause. Any notice may be sent by standard post or email, and will be deemed to have been served on the expiry of 48 hours in the case of post, or at the time of transmission in the case of transmission by email.
8. Relationship of Parties: These Terms are not intended to create a partnership, joint venture, employment or agency relationship between the Parties
9. Subcontracting: We may subcontract the provision of any part of the Services without your prior written consent. We agree that any subcontracting does not discharge us from any liability under these Terms and that we are liable for the acts and omissions of our subcontractor.
Definitions

In these Terms, unless the context otherwise requires, capitalised terms have the meanings given to them in the Email, and:

Australian Consumer Law means the Australian consumer laws set out in Schedule 2 of the Competition and Consumer Act 2010 (Cth), as amended, from time to time.

Business Day means a day on which banks are open for general banking business in Sydney, New South Wales, excluding Saturdays, Sundays and public holidays.

Commencement Date means the date that you make part or full payment of the Price.

Consequential Loss includes any consequential loss, special or indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise. However, your obligation to pay us the Price and any other amounts payable under these Terms will not constitute “Consequential Loss”.

Consumer Law Rights has the meaning given in clause 13.1.

Course means an online training program offered by us via our learning platform, as further set out on our website and as specified in the Email. Email means the email, document, quote or contact that we will send to you confirming that you have been successful in your application to the Course, to which these Terms are attached or incorporated.

Force Majeure Event means any event or circumstance which is beyond a Party’s reasonable control including but not limited to, acts of God including fire, hurricane, typhoon, earthquake, landslide, tsunami, mudslide or other catastrophic natural disaster, civil riot, civil rebellion, revolution, terrorism, insurrection, militarily usurped power, act of sabotage, act of a public enemy, war (whether declared or not) or other like hostilities, ionising radiation, contamination by radioactivity, nuclear, chemical or biological contamination, any widespread illness, quarantine or government sanctioned ordinance or shutdown, pandemic (including COVID-19 and any variations or mutations to this disease or illness) or epidemic.

Intellectual Property Rights or Intellectual Property means any and all existing and future rights throughout the world conferred by statute, common law, equity or any corresponding law in relation to any copyright, designs, patents or trade marks, domain names, know-how, inventions, processes, trade secrets or confidential information, circuit layouts, software, computer programs, databases or source codes, including any application, or right to apply, for registration of, and any improvements, enhancements or modifications of, the foregoing, whether or not registered or registrable.

Law means all applicable laws, regulations, codes, guidelines, policies, protocols, consents, approvals, permits and licences, and any requirements or directions given by any government or similar authority with the power to bind or impose obligations on the relevant Party in connection with these Terms or the supply of the Services. Learning Platform means the online platform, website, or system through which we deliver the Courses and Course materials.

Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or a Party to these Terms or otherwise.

Moral Rights has the meaning given in the Copyright Act 1968 (Cth) and includes any similar rights in any jurisdiction in the world.

Our Materials means all Intellectual Property which is owned by or licensed to us and any improvements, modifications or enhancements of such Intellectual Property, but excludes Your Materials.

Payment Terms means the timings for payment of the Price and any other amounts payable under these Terms, as set out in the Email.

Personal Information means information or an opinion, whether true or not and whether recorded in a material form or not, about an individual who is identified or reasonably identifiable. Personnel means, in respect of a Party, any of its employees, consultants, suppliers, subcontractors or agents, but in respect of you, does not include us.

Price means the price set out in the Email, as adjusted in accordance with these Terms.

Services means the services set out in the Email, as adjusted in accordance with these Terms, including the specific Course or Courses we provide to you. Terms means these terms and conditions and any documents attached to, or referred to in, each of them.

Your Materials means all Intellectual Property owned or licensed by you or your Personnel before the Commencement Date (which is not connected to these Terms) and/or developed by or on behalf of you or your Personnel independently of these Terms and any improvements, modifications or enhancements of such Intellectual Property, but excludes Our Materials.

Online Course Terms and Conditions

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