Terms & Conditions

Last updated: 9 September 2026

1. About these Terms

These Terms and Conditions ("Terms") apply to your use of our websites and to your purchase, registration for, access to or use of courses, programmes, digital products, quizzes, workbooks, journals, audio, video, coaching resources and other content supplied by David Monsellier.

By purchasing, registering for or accessing a paid product or service, you agree to these Terms and our Privacy Policy. If you do not agree, do not purchase or use the relevant paid service.

2. Who we are

Business: David Monsellier

Legal entity / trading name: David Monsellier

Website: www.davidmonsellier.com

Support email: [email protected]

Address: 1D/331 Rosedale Road, Auckland, 0632 Albany

3. International customers and mandatory local rights

We operate from New Zealand and sell digital content internationally. These Terms are intended to apply to customers in New Zealand and other countries, including Australia, the United Kingdom, Canada and the United States.

Nothing in these Terms excludes, restricts or modifies a consumer guarantee, cancellation right, refund right, privacy right or other protection that cannot lawfully be excluded under the law that applies to you.

If a mandatory local consumer law gives you a greater right than these Terms, that mandatory right prevails to the extent of any inconsistency.

4. Eligibility and account responsibility

You must be legally capable of entering into a contract in your country. If you are under the applicable age of majority or contractual capacity, you may purchase or use a paid service only with the involvement and permission of a parent or legal guardian where legally permitted.

You are responsible for providing accurate account information and maintaining the confidentiality of your login credentials.

5. Our products and services

• Online courses and programmes.
• Downloadable workbooks, exercises, journals, templates and other digital resources.
• Video and audio lessons or recordings.
• Quizzes and assessments.
• Coaching, educational and personal-development services.
• Other related digital content or resources described on the relevant sales page.

The specific inclusions, access period, bonuses and features of a purchase are those described on the applicable sales or checkout page at the time of purchase.

6. Educational and personal-development purposes

Our content is provided for education, personal development, reflection and general information only.

It is not medical, psychological, psychiatric, legal, financial or other regulated professional advice, and it is not intended to diagnose, treat, cure or prevent any medical or mental health condition. If you need professional advice, diagnosis, treatment or support, seek assistance from a suitably qualified professional.

7. No guarantee of results

Personal-development outcomes depend on individual circumstances, choices, effort and consistency. We do not promise or guarantee any particular income, financial, relationship, career, health, emotional, personal-development, transformation or other result.

Testimonials and examples describe individual experiences. They are not promises or guarantees that you will achieve the same result.

8. Prices, currencies and taxes

Prices are shown on the applicable sales or checkout page. The checkout page will identify the currency used for the transaction.

Your bank or payment provider may apply currency-conversion or international transaction fees. Unless the checkout states otherwise, you are responsible for such third-party fees.

Taxes will be charged or collected where required by applicable law. The final amount payable will be shown before you complete the purchase where reasonably practicable.

9. Orders and payment

You agree to pay the price displayed at checkout using an accepted payment method. Payments may be processed through third-party providers such as Stripe.

We may refuse, suspend or cancel an order where payment fails, fraud is suspected, an obvious pricing error has occurred, or we are legally unable to supply the service. If we cancel a paid order before access is supplied, we will refund the amount paid unless applicable law permits otherwise.

10. Digital delivery and commencement of supply

Digital content may be supplied immediately after purchase by granting platform access, issuing login credentials, sending a link, providing a download or otherwise making the purchased content available.

You are responsible for providing a valid email address, maintaining access to your account and using compatible internet and device technology.

11. Digital-course sales, cancellations and refunds

Because our courses and digital products provide access to copyrighted digital content and intellectual property that may be available immediately, our standard commercial policy is:

Subject to mandatory law, we do not ordinarily refund because you:

• change your mind;
• decide later that the course is not suitable for you;
• do not start or complete the course;
• do not use the materials;
• experience a change in personal circumstances;
• expected an outcome that was not guaranteed; or
• fail to access the content while it is available to you.

If a specific sales page expressly offers a separate money-back guarantee, that guarantee will apply according to its stated conditions.

New Zealand customers

Nothing in this refund policy limits rights or remedies that cannot be excluded under New Zealand consumer law, including the Consumer Guarantees Act 1993 and Fair Trading Act 1986 where they apply.

Australian customers

Our goods and services come with consumer guarantees that cannot be excluded under the Australian Consumer Law where that law applies. Nothing in these Terms limits remedies that Australian consumers are entitled to receive for a failure to comply with those guarantees.

United Kingdom and EEA digital-content customers

Where UK or EEA distance-selling law gives you a statutory cancellation or withdrawal period for digital content, we will comply with that law. If you ask us to supply digital content immediately during an applicable cancellation period, we may require your prior express consent to immediate supply and your acknowledgement that your statutory cancellation/withdrawal right will be lost once supply begins, to the extent the applicable law provides for that result.

If the law requires a cancellation right to remain because the required consent or acknowledgement was not properly obtained, that statutory right will not be removed by these Terms.

Canada, United States and other countries

Our no-change-of-mind refund policy applies except to the extent a mandatory federal, provincial, state or other local consumer law gives you a non-waivable cancellation, refund or other remedy.

12. Checkout acknowledgements for immediate digital access

Where required, the checkout should ask the customer to actively agree to immediate digital supply. The checkbox must not be pre-ticked.

Suggested checkout acknowledgement:

I request immediate access to the digital course and acknowledge that, where permitted by applicable law, my statutory cancellation or withdrawal right may be lost once supply of the digital content begins.

This acknowledgement should be presented separately from the general acceptance of the Terms, should require an active selection, and should not be pre-selected.

This clause is intended to sit alongside, not replace, any mandatory pre-contract information and confirmation requirements in the customer's jurisdiction.

13. Course access and personal licence

A purchase gives you a personal, limited, revocable, non-exclusive and non-transferable licence to access and use the purchased digital content for your own personal use, subject to these Terms.

You do not acquire ownership of the course, materials, brand, recordings or underlying intellectual property.

14. Lifetime access and ongoing access

Where a sales page expressly promises "lifetime access", that promise applies to the relevant course for as long as we continue to operate and make that course, or a substantially equivalent version, available, subject to lawful termination for breach, reasonable technology migration and circumstances outside our reasonable control.

We may move content between hosting platforms, update file formats or change login processes. Where reasonably practicable, customers entitled to ongoing access will be given instructions for accessing migrated or replacement content.

Nothing in this clause permits us to remove an express access promise in a way that would breach applicable consumer law.

15. Third-party platforms and technology

We use third-party platforms to host, deliver, process and support course material and transactions. These may include Kajabi, Interact, Stripe and other website, email, analytics, hosting, storage or support providers.

Third-party services are outside our direct technical control. Their terms and privacy notices may also apply. Temporary outages, maintenance, platform changes or provider discontinuation may occur.

We may replace or migrate providers where reasonably necessary. We will take reasonable steps to preserve purchased access, but we cannot guarantee uninterrupted operation of every third-party platform.

16. Intellectual property and copyright

Unless expressly stated otherwise, all intellectual property in our websites, courses and digital materials belongs to us or is used by us under licence.

• videos and audio recordings;
• course lessons and written content;
• books, ebooks, journals and workbooks;
• worksheets, exercises, templates and downloads;
• quizzes, assessments and scoring structures;
• graphics, diagrams, photographs and presentations;
• branding, logos and visual assets;
• course structures, teaching frameworks and original methods; and
• other original or licensed materials supplied through the service.

These materials are protected by copyright, trade mark and other intellectual-property laws.

17. Permitted personal use

Unless we expressly agree otherwise in writing, you may view purchased materials for your own personal use, download files where a download function is provided, and print reasonable copies of downloadable workbooks or exercises for your own use.

18. Prohibited sharing and use

Without our prior written permission, you must not:

• share your login, password or course account with another person;
• allow another person to access paid content through your account;
• copy, reproduce or distribute course material to others;
• upload paid materials to shared drives, public websites, social media, file-sharing services or other repositories;
• sell, resell, rent, sublicense or commercially exploit course access or materials;
• record, screen-record, capture, scrape or reproduce protected video or audio except where a feature is expressly provided for personal offline use;
• publish substantial extracts or create derivative commercial products from our content;
• remove copyright, branding or proprietary notices;
• use our materials to train, develop or populate a competing commercial course, service, database or product without written permission; or
• provide copies of purchased content to clients, staff, colleagues, friends, family members or other third parties unless the product expressly includes a multi-user licence.

19. Unauthorised sharing and enforcement

One individual purchase is for one individual user unless the offer expressly states otherwise.

If we reasonably believe you have materially breached the licence or shared protected content without permission, we may suspend or terminate access, investigate the breach and enforce our intellectual-property rights.

Where access is terminated because of a serious breach, we do not ordinarily provide a refund, subject to rights that cannot lawfully be excluded.

20. Updates and changes to course content

We may update lessons, improve workbooks, replace outdated material, add content, change presentation formats or reorganise course structure.

Where a sales page expressly promises future updates, we will honour that promise in accordance with the offer, subject to applicable law and reasonable technology limitations.

21. Account security

You are responsible for keeping login credentials secure and for promptly telling us if you believe your account has been accessed without permission.

We may require password resets, verification or other reasonable security steps to protect users and our content.

22. Testimonials and user feedback

If you provide a testimonial, review, photograph, video, audio or other feedback, we will use it publicly only where appropriate permission has been obtained.

We may make minor edits for spelling, grammar, length or clarity provided the meaning is not materially changed.

23. Website information and availability

We take reasonable care to keep our website and product descriptions accurate, but information may occasionally contain errors or become outdated.

We may update descriptions, prices, features and website content. Changes will not retrospectively remove contractual rights that formed part of a completed purchase unless permitted by law.

24. Third-party links

Our websites and course materials may link to independent third-party websites. We do not control and are not responsible for their content, security, availability, terms or privacy practices.

25. Suspension or termination

We may suspend or terminate access where we reasonably believe there has been fraud, payment abuse, a material breach of these Terms, unauthorised account sharing, unlawful copying, interference with the platform or serious misuse of our intellectual property.

Where reasonably practicable, we will act proportionately and may contact you before permanent termination unless the circumstances require immediate action.

26. Limitation of liability

To the maximum extent permitted by applicable law, we are not responsible for indirect or consequential loss arising solely from your use of general educational or personal-development information.

You remain responsible for your decisions and actions. We do not exclude liability or consumer remedies that cannot lawfully be excluded, including liability for fraud or other matters that applicable law prevents us from limiting.

27. Events outside our reasonable control

We are not responsible for delay or failure caused by events outside our reasonable control, such as widespread internet outages, platform failures, natural disasters, government action or other force-majeure events. We will take reasonable steps to restore or provide alternative access where appropriate.

28. Privacy

Our handling of personal information is described in our Privacy Policy. By using the website or services, you acknowledge that personal information will be handled in accordance with that Policy and applicable law.

29. Marketing communications

Where you have consented or another lawful basis applies, we may send educational or promotional communications. You can unsubscribe from marketing at any time using the unsubscribe link or by contacting us.

30. Governing law and disputes

These Terms are governed by the laws of New Zealand to the extent permitted by applicable law.

If you are a consumer outside New Zealand, nothing in this clause requires you to give up any mandatory consumer protection, cancellation right, remedy or right to bring a claim in a court or forum that your local law does not allow us to exclude.

If a dispute arises, we encourage you to contact us first so we can try to resolve it promptly and fairly.

31. Changes to these Terms

We may update these Terms from time to time. The current version will be published on our website with the updated date.

Material changes will not retrospectively remove rights that formed part of a completed purchase unless applicable law allows it.

32. General

If any part of these Terms is held to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

A delay in enforcing a right does not automatically waive that right.

These Terms, together with the relevant sales page, checkout information and any express guarantee or offer terms, form the agreement for the relevant purchase.

33. Contact

Business: David Monsellier

Legal entity / trading name: David Monsellier

Website: www.davidmonsellier.com

Support email: [email protected]

Address: 1D/331 Rosedale Road, Auckland, 0632 Albany