Privacy Policy Template

Privacy Policy

Last Updated: [Insert Date]

Courage By You (“we”, “our”, “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use and protect your information when you visit our website or purchase our products and services.

By using this website, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following personal information when you interact with our website or services:

Information You Provide

When you:

We may collect:

Name
• Email address
• Phone number (if provided)
• Billing information
• Any information you submit via forms

Payment Information

Payments for our products and courses are processed through Stripe and ClickFunnels.

We do not store your full credit card details on our servers.

Payment information is processed securely through these third-party payment providers according to their privacy policies.

2. Contact Form Submissions

If you contact us through a website form, we collect the information you submit so we can respond to your enquiry.

This may include:

your name
• your email address
• your message

We only use this information to communicate with you.

3. Cookies

Our website may use cookies to improve user experience.

Cookies may be used to:

remember preferences
• track website usage
• improve website performance
• support marketing and analytics tools

You may disable cookies through your browser settings. However, some website features may not function properly if cookies are disabled.

4. Website Analytics

We may use Google Analytics or similar tools to understand how visitors use our website.

These tools may collect information such as:

pages visited
• time spent on the site
• device type
• general geographic location

This information is used to improve our website and services.

Google may use cookies and other technologies as part of this process.

5. How We Use Your Information

We may use your information to:

provide products and services
• process purchases
• respond to enquiries
• send important updates about your purchase
• send educational or marketing emails (if you opt in)
• improve our website and offerings

You may unsubscribe from marketing emails at any time.

6. Data Security

We take reasonable steps to protect your personal information from loss, misuse or unauthorised access.

However, no online system can guarantee complete security.

7. Third Party Services

We may use third-party platforms such as:

Stripe
• ClickFunnels
• Email marketing platforms
• Google Analytics

These services have their own privacy policies and data practices.

8. Your Rights

Depending on your location, you may have rights to:

request access to your personal data
• request corrections
• request deletion of your data

To make a request, please contact us.

9. Contact Us

If you have any questions about this Privacy Policy or your data, please contact us:

Email: hello@couragebyyou.com

Terms and Conditions Template

Terms and Conditions

Last Updated: [Insert Date]

By accessing or using the Courage By You website, products or services, you agree to the following Terms and Conditions.

1. Use of Website

This website is provided for educational and informational purposes.

You agree to use this website lawfully and respectfully.

You must not:

misuse the website
• attempt to access restricted areas
• copy or distribute content without permission

2. Intellectual Property

All content on this website including:

text
• videos
• graphics
• course materials
• downloads

is the intellectual property of Courage By You unless otherwise stated.

You may not reproduce, distribute or resell any materials without written permission.

Purchasing a course grants you personal use only, not resale rights.

3. No Guarantees

We provide education, tools and guidance designed to support learning and personal development.

However, we do not guarantee specific outcomes, results or earnings from using our content, courses or services.

Your results depend on many factors including your own actions, experience and commitment.

4. Limitation of Liability

To the maximum extent permitted by law:

Courage By You will not be liable for any direct, indirect or consequential loss arising from:

use of the website
• participation in courses
• reliance on information provided

Users are responsible for their own decisions and actions.

5. External Links

Our website may contain links to third-party websites.

We are not responsible for the content or practices of those sites.

6. Changes to Terms

We may update these Terms and Conditions at any time.

Updated versions will be posted on this page with the revised date.

7. Contact

If you have questions about these Terms, please contact:

hello@couragebyyou.com

Disclaimer

The information provided on this website and within our courses is intended for educational and informational purposes only.

The content provided by Courage By You is not intended to replace professional advice.

Educational Content Only

Our programs provide educational material related to personal development, mindset, business and learning.

Not Therapy or Medical Advice

The content provided is not a substitute for professional medical, psychological, psychiatric or therapeutic advice, diagnosis or treatment.

If you require medical or mental health support, please seek assistance from a qualified professional.

Personal Responsibility

By using this website or participating in our courses, you acknowledge that:

you are responsible for your own decisions
• you are responsible for how you apply the information
• results may vary between individuals

No Guarantees

We do not guarantee any specific outcomes, results or achievements from the use of our materials.

Contact

Questions about this Disclaimer may be directed to:

hello@couragebyyou.com

Refund Policy Template

Refund Policy

Last Updated: [Insert Date]

We want you to feel confident in your purchase.

Please read our refund policy carefully before purchasing.

Refund Eligibility

Refunds may be available under the following conditions:

A refund request is submitted within [7 / 14 / 30] days of purchase
• The request is submitted via email
• The request includes the purchase details

Non-Refundable Items

Refunds may not be provided for:

completed courses
• digital downloads that have been accessed
• purchases made outside the refund window

How to Request a Refund

To request a refund, please email:

hello@couragebyyou.com

Include:

your name
• the email used to purchase
• the product purchased
• the reason for the request

Processing Time

Approved refunds will be processed through the original payment method via Stripe or ClickFunnels.

Please allow 5–10 business days for the refund to appear on your statement.

Policy Updates

We may update this refund policy from time to time. The latest version will always be available on this page.

Acceptable Use Policy

Last Updated: [08-04-2026]

This Acceptable Use Policy outlines the rules and guidelines for using the Courage By You website, community spaces, and online courses.

By accessing our website or participating in our programs, you agree to follow this policy.

1. Respectful Behaviour

Users must behave respectfully when interacting with our website, programs, communities, or other participants.

You must not:

harass or abuse other users
• post offensive, discriminatory or inappropriate content
• disrupt course sessions or community discussions

We reserve the right to remove users who violate these guidelines.

2. Lawful Use

You agree to use the website and services only for lawful purposes.

You must not:

attempt to gain unauthorised access to systems
• introduce malicious software or viruses
• interfere with the operation of the website

3. Protection of Course Materials

All materials within our courses and programs are protected intellectual property.

Users must not:

share login details with others
• copy or redistribute course materials
• upload course content to other platforms
• resell or reproduce any program content

Access is granted for personal learning use only.

4. Account Responsibility

If you create an account or access a program portal, you are responsible for:

maintaining the confidentiality of your login details
• ensuring your account is not used by others

If we detect misuse of accounts, access may be suspended.

5. Enforcement

If a user breaches this policy, we may take action including:

issuing warnings
• suspending access
• removing access to courses or community areas
• permanently banning access

No refunds will be issued where access is removed due to violations of this policy.

6. Contact

If you have questions about this policy, contact:

hello@couragebyyou.com

Earnings / Results Disclaimer

Earnings and Results Disclaimer

Last Updated: [Insert Date]

Any examples of results, outcomes or success stories shared on the Courage By You website or within our programs are for illustrative purposes only.

They are not guarantees of what you may achieve.

No Guaranteed Results

Success in personal development, business, or learning depends on many factors including:

your effort
• your skills
• your experience
• your commitment
• market conditions

Because these factors vary between individuals, we cannot guarantee specific results or outcomes.

Individual Responsibility

By using our website or participating in our courses, you agree that:

you are responsible for your own decisions and actions
• you will apply the information at your own discretion
• your results will depend on your own efforts

Examples and Testimonials

Testimonials or case studies shared on this website represent individual experiences.

They do not represent typical or guaranteed outcomes.

Professional Advice

The information provided in our programs should not replace professional advice from qualified professionals such as:

financial advisors
• medical professionals
• legal professionals
• therapists or mental health practitioners

If you require professional advice, please consult an appropriately qualified expert.

Contact

Questions about this disclaimer can be directed to:

hello@couragebyyou.com

GDPR & International Data Notice

Because your website markets globally, this notice helps address international data requirements.

International Data & GDPR Notice

Last Updated: [Insert Date]

Courage By You is based in Australia but provides products and services to users worldwide.

This section explains how we handle data from international visitors.

International Data Transfers

If you are located outside Australia, your personal data may be transferred to and processed in Australia or other countries where our service providers operate.

By using this website, you consent to this transfer.

GDPR (European Users)

If you are located in the European Economic Area (EEA), you have certain rights under the General Data Protection Regulation (GDPR).

These may include the right to:

request access to your personal data
• request correction of inaccurate data
• request deletion of your data
• restrict processing of your data
• request transfer of your data

Legal Basis for Processing

We process personal data under the following lawful bases:

your consent
• fulfilling contractual obligations (such as delivering courses you purchased)
• legitimate business interests (such as improving our services)

Data Retention

We retain personal data only as long as necessary to:

provide services
• meet legal obligations
• resolve disputes

Data Requests

If you wish to access, update or delete your data, please contact:

hello@couragebyyou.com

We will respond to requests within a reasonable timeframe.

Digital Product Access Clause (Highly Recommended)

You should add this section to both your Terms & Conditions and Refund Policy.

Digital Product Access

All Courage By You courses, programs and downloadable resources are digital products.

When you purchase a program, you receive immediate access to digital materials, which may include:

video lessons
• downloadable files
• course content
• community access
• online learning platforms

Because access to digital content is provided immediately after purchase, you acknowledge that the service has begun.

By completing your purchase, you agree that access to the digital program constitutes delivery of the product.

Consumption of Content

If a user has accessed or consumed a significant portion of the program content, a refund may not be granted.

This includes:

viewing course lessons
• downloading materials
• accessing member areas
• attending live sessions

This policy helps protect the integrity of our educational content.

Account Sharing

Course access is provided for individual use only.

Sharing login details or distributing course materials without permission is prohibited and may result in:

immediate termination of access
• cancellation of accounts
• legal action if necessary

No refunds will be issued for accounts terminated due to misuse.

Participation Responsibility

By purchasing and participating in a Courage By You program, you acknowledge that:

Results require active participation and effort
The application of the material is your responsibility
Outcomes will vary between individuals

Failure to complete or participate in the program does not qualify as grounds for a refund.

This is a digital training program. Access is granted immediately after purchase. By completing your order you agree to our Terms, Privacy Policy and Refund Policy.

Participation in this program does not create a therapist–client relationship.