Terms & Conditions

Effective date. 03 Sep 2025

These Terms and Conditions govern your access to and use of the website located at https://breakeven.life and the services offered by BreakEven Life Pty Ltd (ABN 65690622274).

By accessing this website, booking a call, purchasing a service, or working with BreakEven Life in any capacity, you agree to be bound by these Terms.

If you do not agree, do not use this website or our services.

1. Who we are

“BreakEven Life”, “we”, “our” and “us” refer to BreakEven Life Pty Ltd.

“Client”, “you”, and “your” refer to any person who visits our website, books a call, purchases services, or otherwise engages with BreakEven Life.

Contact details.

• Email. info@breakeven.life
• Phone. +61 489 086 860

Please also read our Privacy Policy for how we handle your personal information.

2. Acceptance of terms and website use

By accessing the website https://breakeven.life, you confirm that.

• You have read, understood and agree to these Terms
• You are at least 18 years old and have the capacity to enter into a binding agreement
• You will not use the website or our services for any unlawful or prohibited purpose

If you do not agree to all of these Terms, you must stop using the website and our services.

3. Services we provide

BreakEven Life provides services including.

• One-to-one life and performance coaching for high achievers, career professionals and leaders
• Group coaching, programs, workshops and online courses
• Strategy calls, intensive sessions, and follow-up coaching
• Digital products and resources, such as worksheets, templates and tools

From time to time, we may add, remove or change services. Any new services will also be subject to these Terms.

Specific coaching engagements are governed by a separate Coaching Agreement that you will sign before we begin. If there is any inconsistency between these Terms and your signed Coaching Agreement, the Coaching Agreement applies to that coaching engagement.

4. Nature of coaching - not therapy or professional advice

Our services are coaching and personal development, not health care or professional advice.

Coaching is not.

• Counselling, psychotherapy, psychiatry or psychology
• Medical, mental health or addiction treatment
• Legal, financial, accounting or investment advice
• Crisis intervention or emergency support

You are responsible for seeking independent professional advice where needed, including from qualified medical, mental health, legal or financial professionals.

If you are in crisis or at risk of harm, contact emergency services or a crisis support line immediately. Do not rely on coaching, email or messaging with us for emergency support.

You remain fully responsible for your choices, actions, inactions and results.

5. Eligibility

By using this website or our services, you confirm that.

• You are at least 18 years old
• You have the legal capacity to enter into a binding agreement
• You are not using our services in breach of any law or regulation in your jurisdiction

We may decline or discontinue working with any person at our discretion, consistent with section 13.

6. Bookings, sessions and rescheduling

6.1 Booking sessions

Sessions are scheduled by agreement, usually via email, SMS, or an online booking tool. Session length and format are as stated in your Coaching Agreement or service description.

6.2 Time zones

Sessions are usually scheduled based on the coach’s time zone, unless explicitly stated otherwise. It is your responsibility to double-check the time in your own time zone.

6.3 Rescheduling and cancellations

Unless stated otherwise in your Coaching Agreement or service description, the following applies.

• Minimum notice. At least 24 hours’ notice is required to reschedule a session.
• Late cancellation or no show. Sessions cancelled with less than 24 hours’ notice, or missed without notice, are treated as used and are not refundable, except in genuine emergencies.
  • Serious personal illness or injury
  • Death or serious illness in the immediate family
  • Major technical failure outside your control

If the coach needs to reschedule due to an emergency, the session will be rescheduled at the earliest mutually available time.

7. Fees, payments and refunds

7.1 Fees

Fees for coaching, programs and other services are stated on the website, in proposal documents or in your Coaching Agreement. Prices are in Australian dollars (AUD) unless stated otherwise.

We may change prices at any time for new clients or future packages. Price changes do not affect agreements already signed or services already paid for.

7.2 Payment terms

Payment methods are as stated at the time of purchase or in your Coaching Agreement.

Common structures include.

• Payment in full before the first session or program start date
• Agreed payment plan with set instalment dates

Your booking is not confirmed until the required payment or deposit has been received.

7.3 Non-payment

We have a simple rule. No payment = no coaching.

If payment is not received by the agreed date.

• Sessions may be paused or cancelled
• You may lose access to programs or materials
• We are not obliged to hold your time slots or place in a program

We may, at our discretion, offer a short grace period once. Continued late or non-payment is grounds for ending the coaching relationship as set out in section 13.

7.4 Refunds

Unless stated otherwise in a specific offer or Coaching Agreement, the standard position is.

• Coaching packages. No refunds once the first coaching session has been completed.
• Programs and groups. No refunds once the program has commenced or materials have been delivered, even if you choose not to attend live sessions.
• Digital products. Due to the nature of digital content, all sales are final and non-refundable once access has been granted or files have been delivered.

If we decide, at our discretion, to offer a refund or credit in special circumstances, this does not create an obligation to do so again in the future.

Nothing in this clause is intended to limit your rights under the Australian Consumer Law, which may provide guarantees that cannot be excluded.

8. Between-session contact

Many coaching engagements include limited support between sessions, for example, by SMS, email or messaging.

Unless stated otherwise in your Coaching Agreement.

• Between-session contact is intended for short updates, quick questions and clarifications
• Typical response time is within 48 business hours, Monday to Friday
• Longer or more complex matters may be held for the next session
• Messaging is not suitable for therapy, crisis support or urgent issues

We may adjust boundaries if between-session contact becomes excessive or starts to undermine your independence and accountability.

9. Client responsibilities

You understand and agree that.

• You are fully responsible for your choices, actions, inactions and results
• You will show up on time, prepared and present for sessions
• You will be honest, especially when it is uncomfortable or inconvenient
• You will complete the agreed actions between sessions to the best of your ability
• You will communicate if you are stuck, instead of silently withdrawing

Coaching is a 200% relationship. We bring 100 per cent. You bring 100 per cent. There are no guarantees.

10. Cookies and tracking technologies

The website uses cookies and similar technologies to help personalise your online experience and to operate the site.

A cookie is a small text file placed on your device by a web server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie.

We may use cookies to.

• Operate the core functionality of the website
• Remember your preferences
• Collect, store and track information for statistical or marketing purposes

There are.

• Required cookies. These are necessary for the operation of our website. They enable basic functions and cannot be switched off in our systems.
• Optional or analytics cookies. These help us improve performance and understand usage patterns. You may accept or decline these via your browser settings or any consent tools we use on the site.

By accessing BreakEven Life, you agree to the use of required cookies. Please note that by accepting required cookies, you may also be accepting certain third-party cookies where third-party services are integrated into the website, for example, embedded video or booking tools.

You can usually control cookies through your browser settings. However, disabling certain cookies may affect the functionality of the site.

For more details, refer to our Privacy Policy.

11. Intellectual property and licence

Unless otherwise stated, BreakEven Life Pty Ltd and/or its licensors own all intellectual property rights in and to.

• The website and all content on it
• Our frameworks, models and methodologies
• Course materials, worksheets, templates and tools
• Videos, audio recordings and digital products

All rights are reserved.

11.1 What you may do

You may access and use content from BreakEven Life.

• For your own personal use
• For your own personal and professional development

subject to the restrictions in these Terms.

When you purchase a service or product, you receive a personal, non-exclusive, non-transferable licence to use the materials for your own use only.

11.2 What you must not do

You must not, without prior written consent.

• Copy, reproduce, republish or redistribute material from BreakEven Life, other than for your own personal use
• Sell, rent or sub-license material from BreakEven Life
• Reproduce, duplicate or copy material from BreakEven Life for commercial purposes
• Use our logo or branding for linking or promotion without a specific licence agreement
• Resell, sub-license or include our materials in your own paid products or services
• Present our proprietary frameworks as your own creation

You may, of course, apply ideas in your own life and work.

12. User-generated content and comments

Parts of this website may allow users to post or submit comments, testimonials, feedback or other content (“Comments”).

Unless required by law, we do not routinely pre-screen, filter, edit or review Comments before they appear on the website. Comments do not reflect the views or opinions of BreakEven Life Pty Ltd, its agents or affiliates. They reflect only the views and opinions of the person who posted them.

To the extent permitted by applicable laws, BreakEven Life Pty Ltd is not liable for any Comments, or for any liability, damages or expenses caused as a result of any use of, posting of, or appearance of Comments on this website.

By posting Comments on our website, you warrant and represent that.

• You are entitled to post the Comments and have all necessary licences and consents
• The Comments do not infringe any intellectual property rights of any third party
• The Comments do not contain defamatory, libellous, offensive, indecent or otherwise unlawful material, or invade privacy
• The Comments will not be used to solicit or promote business or present commercial activities, or unlawful activity

You grant BreakEven Life Pty Ltd a non-exclusive, worldwide licence to use, reproduce, edit and authorise others to use and reproduce your Comments in any and all forms and media, for purposes such as marketing, testimonials and promotion.

We reserve the right to monitor all Comments and to remove any Comment that we consider inappropriate, offensive, or in breach of these Terms.

13. Hyperlinking to our content

13.1 Organisations that may link without prior approval

The following organisations may link to our website without prior written approval.

• Government agencies
• Search engines
• News organisations
• Online directory distributors, in the same manner as they hyperlink to the websites of other listed businesses
• System-wide accredited businesses, except soliciting non-profit organisations, charity shopping malls and charity fundraising groups, which may not hyperlink to our website

These organisations may link to our home page, publications or other website information, provided that the link.

• Is not in any way deceptive
• Does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services
• Fits within the context of the linking party’s site

13.2 Other link requests

We may consider and approve link requests from.

• Commonly known consumer or business information sources
• Dot com community sites
• Associations or other groups representing charities
• Online directory distributors
• Internet portals
• Accounting, law and consulting firms
• Educational institutions and trade associations

We will approve link requests from such organisations if we decide that.

• The link would not make us look unfavourably on ourselves or on our accredited businesses
• The organisation does not have any negative records with us
• The benefit to us from the visibility of the hyperlink compensates for the absence of any direct relationship
• The link is in the context of general resource information

These organisations may link to our home page as long as the link.

• Is not in any way deceptive
• Does not falsely imply sponsorship, endorsement or approval by BreakEven Life Pty Ltd
• Fits within the context of the linking party’s site

If you are in one of the categories above and are interested in linking to our website, please email us with

• Your name and organisation name
• Contact information
• The URL of your site
• A list of URLs from which you intend to link to our website
• A list of the URLs on our site to which you would like to link

We will review and respond within a reasonable time.

13.3 How to link

Approved organisations may hyperlink to our website as follows.

• By use of our corporate name. BreakEven Life
• By use of the uniform resource locator being linked to
• By use of any other description of our website that makes sense within the context and format of content on the linking party’s site

No use of BreakEven Life Pty Ltd’s logo or other artwork is allowed for linking without a trademark licence agreement.

14. Content liability and removal of links

We will not be held responsible for any content that appears on your website. You agree to protect and defend us against all claims arising from content on your website. No link should appear on any website that.

• May be interpreted as libellous, obscene or criminal
• Infringes, otherwise violates, or advocates the infringement or violation of any third-party rights

We reserve the right to request that you remove all links or any particular link to our website. You agree to immediately remove all links to our website upon request.

If you find any link on our website that is offensive for any reason, you may contact us at any time. We will consider requests to remove links, but we are not obligated to do so or to respond to you directly.

We do not warrant that the information on this website is always correct, complete or up to date, and we do not promise that the website will remain available or that the material on the website will be kept current.

15. Website conduct and prohibited use

You agree that you will not.

• Use this website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the site or its systems
• Introduce viruses, malware or other harmful code
• Scrape, harvest or copy content for commercial purposes without consent
• Use the site in any way that could damage, disable or impair the site or interfere with another party’s use

We may suspend or block access to the site for any user who breaches these Terms.

16. Third-party links and services

Our website and materials may contain links to third-party websites, tools or resources. These are provided for convenience only.

We do not control and are not responsible for.

• Third-party content
• Third-party privacy practices or terms of use
• Availability, accuracy or security of third-party sites

You access third-party sites at your own risk and should review their terms and policies before using them.

17. Confidentiality

In one-to-one coaching, we treat what you share as confidential, subject to the limits in your Coaching Agreement and our Privacy Policy.

We may break confidentiality where.

• Required by law, subpoena or court order
• There is a serious and imminent risk of harm to you or others
• There is a disclosure of illegal activity

In group settings, confidentiality is a shared responsibility among participants. We will ask participants to respect confidentiality, but we cannot guarantee that others will always do so. You are responsible for deciding what you share in group environments.

18. Our right to decline or end services

We reserve the right to decline to work with any person, or to end an existing engagement, where in our reasonable opinion.

• There is a persistent pattern of missed or cancelled sessions
• You consistently avoid agreed actions and refuse to engage with the process
• Your needs are better served by therapy, medical, legal or other professional support
• There is abusive, disrespectful or inappropriate behaviour towards the coach or others
• Continuing the engagement is no longer in your best interests or ours

If we end the engagement early.

• We will discuss the reasons with you where appropriate
• We may, at our discretion, refund unused sessions on a pro rata basis or offer an alternative arrangement

If you choose to end coaching early, the refund provision in section 7.4 applies.

19. Disclaimers and Limitations of Liability

We work to a high standard, but we do not promise magic or guaranteed outcomes.

To the maximum extent permitted by applicable law.

• We exclude all representations, warranties and conditions relating to the website and the use of this website, except those expressly set out in these Terms or that cannot be excluded by law
• We do not guarantee specific outcomes, income, promotions, health changes, relationship results or other external results
• All services and information are provided “as is” and “as available”

Nothing in these Terms will.

• Limit or exclude our or your liability for death or personal injury caused by negligence where such limitation is not permitted by law
• Limit or exclude our or your liability for fraud or fraudulent misrepresentation
• Limit any of our or your liabilities in any way that is not permitted under applicable law
• Exclude any of our or your liabilities that may not be excluded under applicable law

You agree that.

• You use this website and our services at your own risk
• You are responsible for your own decisions, actions and results

To the extent permitted by law, our total liability to you in connection with any claim arising out of or relating to our services or website, whether in contract, tort or otherwise, is limited to the total amount you have paid to us for the relevant services.

Nothing in these Terms is intended to exclude or limit any non-excludable rights you may have under the Australian Consumer Law or other applicable legislation.

If the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature arising from that free use.

20. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will update the “Effective date” at the top of this page and, where appropriate, notify you by email or on the website.

By continuing to use the website or our services after changes are published, you accept the revised Terms.

21. Governing law

These Terms are governed by the laws of Victoria, Australia, together with applicable Australian federal law, including the Australian Consumer Law.

Any disputes arising out of or in connection with these Terms or our services will first be addressed through good-faith discussion and, if needed, mediation. If not resolved, they will be subject to the non-exclusive jurisdiction of the courts of Victoria.

22. Contact

For questions about these Terms or our services, contact.

BreakEven Life Pty Ltd
Email. info@breakeven.life
Phone. +61 489 086 860