Terms of service
Terms of Service
Last updated: 22 March 2026
Welcome to The Model Banker.
The terms "we", "us" and "our" refer to The Model Banker.
These Terms of Service govern your access to and use of our website, digital course materials, and related services (the "Services").
By accessing, purchasing, or using the Services, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, you must not use the Services.
1. Eligibility and Account Responsibility
By using the Services, you confirm that:
- You are at least 18 years of age
- You are legally capable of entering into a binding contract
- All information you provide is accurate and complete
You are responsible for:
- Maintaining the confidentiality of your login credentials
- All activity that occurs under your account
- Ensuring your account is not shared with others
You must not:
- Share your login details
- Allow others to access your account
- Sell, transfer, or sublicense your account
- Upload course materials to file-sharing platforms
We reserve the right to suspend or terminate access if misuse is detected.
2. Nature of the Services
The Model Banker provides digital educational materials, including:
- Video lessons
- Excel financial models
- Templates
- Supporting course materials
- Bonus content
All products are:
- Digital
- Delivered online
- Non-physical
- Provided for educational purposes only
No physical goods are shipped.
3. Course Access and Licence
When you purchase or access a course, you are granted:
- A personal
- Non-transferable
- Non-commercial
- Limited licence
to use the course materials.
You may:
- Access the materials for your own learning
- Download files for personal use
- Use the materials to develop your own skills
You may not:
- Share course materials with others
- Distribute files
- Upload materials online
- Resell content
- Copy or reproduce materials
- Use materials to create competing products
All intellectual property remains the property of The Model Banker.
4. Orders and Acceptance
When you place an order:
- You are making an offer to purchase
- We may accept or decline the order
- Access is granted once the order is processed
We reserve the right to:
- Refuse service
- Cancel orders
- Limit purchases
- Suspend access
including where misuse or abuse is suspected.
5. Pricing
Prices:
- Are listed in Australian dollars unless stated otherwise
- May change at any time
- Apply at the time of purchase
We may offer:
- Promotions
- Discounts
- Limited-time pricing
Promotions:
- May be withdrawn at any time
- May have separate terms
6. Payment Plans and Instalments
Some products may be offered with the option to pay in instalments.
These payment plans:
- Are not subscriptions
- Do not renew automatically
- Do not continue indefinitely
By selecting a payment plan, you agree that:
- You are committing to complete all scheduled payments
- A minimum number of payments applies
- Payments will be charged automatically
- The plan cannot be cancelled early
- Access is granted immediately
If a payment fails:
- Access may be suspended
- Access may be restored once payment is completed
Once all payments are made:
- No further payments will be charged
- You retain course access
7. Refunds and Cancellations
Because our products are digital and delivered immediately:
We do not offer refunds for:
- Change of mind
- Lack of time
- Failure to complete the course
- Dissatisfaction with learning outcomes
However:
Nothing in these Terms excludes your rights under Australian Consumer Law.
You may be entitled to a remedy if:
- The product has a major fault
- The product is not as described
- The product is not fit for purpose
Requests must be submitted to:
8. Intellectual Property
All content provided through the Services is owned by The Model Banker.
This includes:
- Videos
- Excel files
- Templates
- Text
- Graphics
- Branding
- Course structure
- Teaching methodology
These materials are protected by:
- Copyright
- Trademark
- Intellectual property laws
You must not:
- Copy
- Distribute
- Share
- Sell
- Reproduce
- Modify
- Publish
without written permission.
Unauthorized use may result in:
- Account suspension
- Legal action
- Removal of access
9. Acceptable Use
You agree not to:
- Share course materials
- Provide login access to others
- Attempt to bypass security protections
- Reverse engineer files
- Upload files to public platforms
- Use automated tools to copy content
- Misrepresent your identity
We may suspend or terminate access if misuse occurs.
10. Third-Party Services
We may use third-party providers to operate the Services, including:
- Shopify
- Payment processors
- Learning platform tools
- Cloud storage providers
- Automation tools
- Analytics services
We are not responsible for:
- Third-party outages
- External service interruptions
- Platform failures outside our control
11. Availability of Services
We do not guarantee:
- Continuous availability
- Uninterrupted access
- Error-free operation
Services may be affected by:
- System maintenance
- Technical issues
- Internet outages
- Platform updates
12. Educational Disclaimer
The course materials are provided:
- For educational purposes only
- Based on professional experience
- Without guarantees of results
We do not guarantee:
- Employment outcomes
- Interview success
- Career advancement
- Financial performance
Your results depend on:
- Your effort
- Your skills
- Your circumstances
13. Limitation of Liability
To the maximum extent permitted by law:
The Model Banker is not liable for:
- Loss of income
- Loss of employment
- Loss of business
- Loss of data
- Indirect damages
- Consequential damages
Our total liability is limited to:
The amount paid for the product.
Nothing in these Terms limits your rights under Australian Consumer Law.
14. Suspension or Termination
We may suspend or terminate access if:
- Payments are missed
- Terms are violated
- Materials are shared
- Fraud is suspected
- Abuse occurs
Upon termination:
- Access may be removed
- Outstanding payments remain payable
15. Changes to the Services
We may:
- Update course content
- Modify features
- Improve materials
- Add new lessons
These changes:
- Do not create refund rights
- Do not reduce your access
16. Privacy
Your personal information is handled in accordance with our Privacy Policy.
You can review the Privacy Policy on our website.
17. Governing Law
These Terms are governed by:
The laws of New South Wales, Australia.
Any disputes will be handled in:
The courts of New South Wales.
18. Changes to These Terms
We may update these Terms from time to time.
Changes will:
- Be posted on this website
- Take effect immediately upon posting
Continued use of the Services constitutes acceptance of the updated Terms.
19. Contact
If you have questions about these Terms, please contact: