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Terms & Conditions

The Spending Planners Institute was created to train and support people in building a business which provides a service to end customers. The training the Institute delivers has been developed over many years and contains information that can be used to generate income for those people who choose to undergo the training.


Training commences whenever a new trainee chooses to start and is self paced.  Lessons are delivered online. There are 8 Units of study and 23 lessons. Regular Q & A support sessions are available to trainees as well as on an ‘as requested’ basis.


An Invoice is issued prior to commencement of training and payment is required prior to commencement. Through negotiation, in some cases, payment of the full invoice amount may be made via several instalments.

Refund Policy

The following Refund Policy applies to all trainees.  Notice in writing of withdrawal from the business training is required.

Where notice to cease training is given within two (2) days (48 hours) of making initial payment – full refund.

After a Trainee completes Unit 1 and has produced their own basic Spending Plan they may discontinue training and receive a 50% refund if they are not convinced Spending Planning suits their future plans. Otherwise a commitment to completing the training is made.  No refund is given once this commitment has been made.

Note. By progressing to Unit 2 a trainee indicates their commitment to continue training.

Delivery of Service

The Spending Planners Institute provides online training resources and both group tutorials and one-on-one support as requested (often available at short notice).

Completion of each lesson triggers the delivery of the next.

On completion of the training, each trainee is required to enlist the assistance of an acquaintance or volunteer to complete a client experience. The plan created is presented for appraisal and assessment.

Knowledge of the clients steps, being business ready, competence in the use of the Spending Planner software and having a clear sales and marketing direction are assessed by an interview process. As this is competency based training a trainee a trainee is granted Certification as soon as they have demonstrated competency.

A Certificate is issued and a period of twelve (12) months free registration begins. Support is available for as long as a Certified Spending Planner remains continually registered under the Institute. After the initial 12 months, registration is maintained via a $20 monthly registration fee.


There is no guarantee of income since every trainee has different goals, levels of commitment, available time and personal skills, however there is no reason why any trainee could not generate significantly more income than the cost of their training.


All our pricing is in Australian dollars (AUD) unless stated otherwise. You should make yourself aware of any and all charges and legality related to utilising our products to your country of residence.


The Spending Planners Institute websites and training resources are intended to provide general information on the business techniques employed by the various presenters. As such, the content including any videos or audio content do not constitute specific financial advice, rather they are general educational resources presented with the aim of helping you to improve your business skills. Accordingly, it will be necessary for you to consult with your own legal, accounting and other advisers to ensure that the concepts you learn from our training can be tailored to your specific needs and objectives.

The Spending Planners Institute and associated parties, do not hold an Australian Financial Services Licence and do not intend or purport to provide financial advice.  The information provided is of a general nature and does not take into account your specific objectives, business situation, financial situation or needs.

Before acting on any of the information you should consider its appropriateness, having regard to your own objectives, financial situation and needs and obtain any necessary or appropriate professional advice.

You should also be aware that successful business requires the application of diverse skills and significant effort. Any business involves an element of risk – including the risk of financial loss. Only you can assess whether or not you have the required skills together with the ability to manage the ongoing inherent risks associated with the techniques and methods presented. None of the Spending Planners Institute or any related party involved accepts liability for any loss, damage or expense incurred by you if you rely on or utilise any of the ideas, methods or techniques presented in our sites or our videos or audio programs which may be on our sites or third party sites.

Security Policy

When purchasing from the Spending Planners Institute, if you choose to pay via Credit or Debit Card your financial details are passed through a secure server using the latest 128-bit SSL (secure sockets layer) encryption technology. 128-bit SSL encryption is approximated to take at least one trillion years to break, and is the industry standard. If you have any questions regarding our security policy, please contact our customer support centre [email protected].

Privacy and Your Personal Information

The Spending Planners Institute has a firm commitment to respecting and protecting people’s privacy.  The following discloses the information gathering and dissemination practices of the institute.

Any information provided to the Spending Planners Institute will be treated with the utmost of respect for privacy. People’s personal information will not be sold, rented, given away or shared with anyone not involved in the everyday running of the Spending Planners Institute.

You must not provide personal information to the Spending Planners Institute about another person, unless that person has authorised the Spending Planners Institute, through you, to collect, use and disclose personal information about that person for the purposes described in this Privacy Policy.


The Spending Planners Institute collects personal information for some or all of the following purposes:

– To monitor or improve the quality and standard of service provided to you or other consumers by the Spending Planners Institute and any related entities.

– To provide marketing information to you about products and services.

– To arrange for the sale and delivery of products and services to you.

Use Or Disclosure Of Your Personal Information

You agree and consent that we may use personal information to manage our relationship with you and properly conduct our business.

The Spending Planners Institute only uses or discloses personal information as authorised or required by law.[/vc_column_text][/vc_column][/vc_row]