Terms & Conditions

Tilly Money was created as a response to the gender wealth gap and aims to build the financial strength of women. Though, we use the term women inclusively as our content is accessible and encouraged to be consumed by anyone who wants to improve their financial literacy. Tilly Money acknowledges that gaps in financial literacy extend beyond gender groups and aims to cultivate a community of equal opportunity for all people.

By signing up to Tilly Money’s free newsletter or purchasing a subscription/free trial to paid subscription you are agreeing to be bound by the below terms and conditions.

1. Terms of Use

Tilly Money is owned by Switzer Financial Group Pty Ltd (ABN 24 112 294 649). Please review the below Terms & Conditions thoroughly. If you do not agree to these Terms, you should not obtain information, services or products from this site. Tilly Money reserves the right to review and modify any of the Terms of Use at any time.

2. Subscriber Agreement

Changes: We may change the terms of this Agreement at any time by notifying you of the change electronically (including by email or by posting a notice on the Tilly Money platform that the terms have been “updated”). The changes also will appear in this document, which is accessible on our website www.tillymoney.com.au. You signify that you agree to be bound by such changes by using Tilly Money after changes are made to this Agreement.

3. Fees and Payments

If you choose to upgrade to a membership, you agree to pay the subscription fees and any other charges incurred in connection with Tilly Money (including any applicable taxes) at the rates in effect when the charges were incurred. We will bill all charges automatically to your credit card, unless you choose to pay via BPAY. Please note that the BPAY payment functionality can only be used to purchase annual subscriptions. Your BPAY subscription will be activated once the payment is received in our bank account. Subscription fees will be billed at the beginning of your subscription or any renewal. Unless we state in writing otherwise, all fees and charges are non-refundable and subscriptions terms cannot be suspended. We may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance.

4. Money Back Guarantee

Tilly Money offers a money back guarantee subject to the following conditions:

  • You signed up to your subscription on a page that displays the ‘Money Back Guarantee’ badge;
  • You purchased an annual subscription and paid with a credit card. Subscribers who pay for their subscription via any means other than credit card are not eligible for a refund;
  • You have subscribed to the report for no less than 30 days and at the time of requesting your refund had opened 80% of the delivered newsletters;
  • You have requested a refund from Tilly Money in writing between 30 and 45 days after subscribing;
  • You provide Tilly Money with feedback about the service you were expecting and how you feel it didn’t live up to these expectations.

Refunds will be credited into the same account from which the original payment was made. Tilly Money reserves the right to refuse a refund if they feel that the subscriber does not meet the above conditions. No refunds will be provided after 45 days.

5. Renewal 

Unless otherwise stated, credit card subscriptions will renew automatically at the conclusion of your subscription period at the full retail price, unless we terminate it or you notify us by telephone, mail, or e-mail (receipt of which must be confirmed by email reply from us) that you do not wish for your subscription to renew automatically. You must cancel your subscription before it renews in order to avoid the billing of a subscription fee.

6. Limitations on Use

a) Only one individual may access Tilly Money at the same time using the same username or password, unless we agree otherwise.
b) All protectable intellectual property available through Tilly Money are our property or the property of our advertisers and licensors and are protected by copyright and other intellectual property laws. Unless you have our written consent, you may not sell, publish, distribute, retransmit or otherwise provide access to content received through Tilly Money to anyone, with the following exception:

(i) You may download, store and create an archive of articles from Tilly Money for your personal use, but you may not otherwise provide access to such an archive to more than a few individuals on an occasional basis. The foregoing does not apply to any sharing functionality we provide through Tilly Money that expressly allows you to share articles or links to articles with others.

c) You agree not to rearrange or modify the Content. You agree not to create abstracts from, scrape or display our content for use on another website or Tilly Money(other than headlines from our RSS Feed with active links back to the full article on the Service). You agree not to post any content from Tilly Money(other than headlines from our RSS Feed with active links back to the full article on the service) to weblogs, newsgroups, mail lists or electronic bulletin boards, without our written consent.

d) You agree not to use Tilly Moneyfor any unlawful purpose. We reserve the right to terminate or restrict your access to Tilly Money if, in our opinion, your use of the service may violate any laws, regulations or rulings, infringe upon another person’s rights or violate the terms of this Agreement. Also, we may refuse to grant you a username that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive.

7. General

If any part of this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect. These Terms and Conditions are governed by and interpreted in accordance with the laws of the State of New South Wales, Australia.

8. Disclaimer of Warranties and Liability 

Tilly Money does not attest to the completeness or accuracy of the content or its usefulness for any particular purpose. Tilly Money and its employees, contractors, parent, affiliates or agents are not liable for any direct, indirect, incidental or any other type of loss or injury resulting from your use, or downloading of our content

Our content is prepared without taking account of the objectives, financial situation or needs of any particular individual. It does not constitute formal advice. Please consider the appropriateness of the information in regards to your circumstances.

9. Additional Terms and Notices 

Tilly Money employs cookie technology.

10. Editorial Guidelines

The Tilly Money Editorial Policy can be accessed in full here.

11. Complaints Policy

The Tilly Money Complaints Policy can be accessed in full here.