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1. About These Terms

1.1 Our business

These Terms and Conditions (“Terms”) apply to the website at https://illuminatepathways.com and the applications, assessments, reports, content and related services made available through it.

The Service is operated by Kay L. Green trading as Illuminate Self-Mastery, (“we”, “us” or “our”). ABN 75355148901

1.2 Acceptance

By accessing or using the Service, starting a trial or purchasing a Subscription, you agree to these Terms.

If you do not agree to these Terms, you must not use the Service.

1.3 Minimum age

You must be at least 18 years old to use the Service.

1.4 Related policies and additional terms

Our Privacy Policy explains how we handle personal information. Our Refund Policy forms part of these Terms.

If a particular feature, trial or paid offering has additional terms, we will make those terms available before you use or purchase it. Any additional terms will identify which provisions apply if they differ from these Terms.

2. Definitions

In these Terms:

- Assessment means a self-reflection or behavioural awareness assessment available through the Service.

- Report means the personalised report generated from your responses to an Assessment.

- Service means the Website and the applications, Assessments, Reports, content and related services we make available through it, including offerings under the Illuminate, Pathways, IlluminatePathways and Self-Mastery names.

- Subscription means a monthly or annual paid subscription to the Service.

- Website means https://illuminatepathways.com, including applications hosted for us and accessed through it.

 3. The Service and Its Intended Purpose

 3.1 What the Service provides

The Service provides content and Assessments designed for self-discovery, behavioural awareness, personal development and reflection.

Where available, you may complete an Assessment and receive a personalised Report that you can download and share.

The features included in a trial or Subscription will be described before you sign up or purchase it.

3.2 Your responses and results

Your Report is generated from the responses you provide. Its quality and relevance depend on those responses and the limitations of the Assessment.

You are responsible for providing accurate responses and deciding how to use your Report. This does not remove our responsibility for supplying the Service in accordance with applicable law.

3.3 Not professional assessment or advice

The Service and Reports provide general information for personal development and educational purposes only. They are not:

- Professional psychological or psychiatric assessments.

- Medical or clinical diagnoses or treatments.

- Medical, legal or other professional advice.

- A substitute for professional counselling, therapy, coaching or healthcare.

- Employment screening or hiring tools.

 

You must not use the Service or a Report to diagnose a condition, determine treatment or make employment screening or hiring decisions.

3.4 Professional help and emergencies

If you have concerns about your physical or mental health, consult a qualified healthcare professional. Do not disregard professional advice or delay seeking it because of information obtained through the Service.

The Service is not an emergency service and is not monitored for emergency assistance. If you need urgent assistance, contact local emergency services.

3.5 No guaranteed outcome

We do not guarantee that an Assessment, Report or other content will produce a particular personal, professional or wellbeing outcome.

3.6 Safe use

Do not complete an Assessment or use activities requiring your attention while driving, operating machinery or performing another task that requires concentration.

4. Accounts and Security

4.1 Registration

Some features may require an account. You must provide accurate, current information when registering and keep relevant account information up to date.

4.2 Account security

You must take reasonable steps to protect your password and account details and must not knowingly allow unauthorised access to your account.

Notify us promptly at hello@self-mastery.live if you become aware of unauthorised account use or another security issue.

4.3 Account activity

You are responsible for activity you authorise through your account and for misuse resulting from your failure to take reasonable security precautions.

This does not make you responsible for activity caused by our failure to meet our legal obligations or by circumstances outside your reasonable control.

5. Subscription Fees, Billing and Automatic Renewal

5.1 Fees and currency

The Subscription fee is *6.99 per month or *59.99 per year in the currency displayed at checkout**, as selected by you.

Before you purchase, checkout will identify the currency, billing frequency, total payable and applicable tax treatment.

 

###### **[Before publication: confirm these prices, the currencies offered, and whether prices include GST or other applicable taxes. Ensure checkout displays the total price as required by law.]**

 

5.2 Payment processing

Payments are processed by Stripe. By subscribing, you authorise us and Stripe to charge your chosen payment method for the Subscription fee when your Subscription begins and on each renewal date.

Applicable payment-provider terms will be made available during checkout.

Using a third-party payment processor does not remove our responsibilities to you under these Terms or applicable law.

5.3 Automatic renewal

Your Subscription renews automatically at the end of each monthly or annual period for another period of the same length unless you cancel before the renewal date.

5.4 Price changes

If we increase your Subscription fee, we will give you at least 30 days’ written notice before the increase takes effect.

An increase will not apply retrospectively to a period you have already paid for. You may cancel before the first renewal to which the increase would apply.

5.5 Failed payments

If a payment fails, we may notify you, retry the payment and reasonably suspend paid access until payment is received.

5.6 Bank and conversion fees

You are responsible for bank fees, currency conversion fees or similar charges imposed separately by your bank or card issuer.

5.7 Trials

If we offer a trial, its duration, included features, any fee and any automatic conversion to a paid Subscription will be clearly disclosed before you start it.

A trial will convert to a paid Subscription only where you have expressly agreed to the disclosed payment and renewal arrangements.

6. Cancellation and Refunds

6.1 How to cancel

#######You may cancel your Subscription at any time using **[insert the confirmed cancellation method and any relevant account instructions]**.

For cancellation assistance, contact hello@self-mastery.live

6.2 Effect of cancellation

Unless you are entitled to an earlier termination or refund under applicable law or our Refund Policy, your Subscription will remain active until the end of the current paid period and will not renew.

To avoid the next renewal charge, cancel before the renewal date.

######6.3 Refunds

Our Refund Policy explains when refunds are available, including the treatment of change-of-mind cancellations.

6.4 Consumer rights

Nothing in these Terms or our Refund Policy excludes, restricts or modifies any consumer guarantee, right or remedy available under the Australian Consumer Law or another law that cannot lawfully be excluded.

7. Your Responses, Reports and Personal Information

7.1 Your responses

You retain any ownership rights you have in the personal responses and reflections you enter into the Service.

Providing responses does not transfer ownership of them to us. Our handling of personal information is explained in our Privacy Policy.

7.2 Report storage and retention

#######

**[Insert a developer-confirmed description of how Assessment responses and Reports are processed and retained, including whether they remain only in browser memory, whether any server-side copy exists, and what happens when a session ends or the page is closed.]**

 

The final wording of this clause must match the actual application and our Privacy Policy.

7.3 Downloading your Report

If you wish to keep your Report, download it when it is available.

We do not retain a retrievable copy.

7.4 Sharing your Report

You may share your own Report with people you choose, including a healthcare professional, counsellor or coach for discussion about your own personal development.

Sharing your own Report does not authorise another person to reproduce, administer, sell or commercially exploit the Assessment.

7.5 Responsibility for sharing

Consider whether your Report contains information you wish to keep private before sharing it.

Once you share a Report, we generally cannot control how the recipient uses or retains that copy. This does not exclude any responsibility we have for our own handling of your information.

 

7.6 Privacy requests

Our Privacy Policy explains how to contact us about personal information, including applicable access, correction and deletion requests.

We cannot delete copies of a Report that you have downloaded or shared and that are outside our control.

8. Personal-Use Licence and Commercial Use

8.1 Your licence

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable and non-sublicensable licence to:

- Access and use the Service for your personal, non-commercial purposes.

- Download and retain your own Report.

- Share your own Report as permitted by clause 7.

This licence does not transfer ownership of the Service or its underlying intellectual property.

8.2 Commercial licensing

Unless we agree otherwise in writing, you must not:

- Administer our Assessments to clients, customers or employees as part of a business or professional service.

- Charge others for access to the Service or Assessment results.

- Incorporate our Assessment questions, scoring systems or protected content into another product or service.

- Teach, train or coach others using our protected Assessment materials as part of a commercial offering.

- Sell, sublicense or otherwise commercially exploit the Service.

For commercial licensing enquiries, contact hello@self-mastery.live

These restrictions do not prevent you from discussing your own Report with a professional adviser as permitted by clause 7.4.

9. Acceptable Use and Restrictions

Except as expressly permitted by these Terms, by us in writing, or by applicable law, you must not:

- Copy, reproduce, distribute, sell, rent or sublicense the Assessment, its questions, scoring methods or underlying protected content.

- Modify or create derivative works from our protected content or software.

- Reverse engineer, decompile or attempt to extract protected source code or non-public scoring methods.

- Use our protected content or software to develop a competing product or service.

- Remove or obscure copyright, trademark or other proprietary notices.

- Frame, mirror or embed the Service on another website or platform.

- Use bots, scrapers or other automated tools to extract content or interfere with the Service.

- Attempt to gain unauthorised access to accounts, systems, servers or databases.

- Upload or transmit malicious code or disrupt the Service.

- Collect other users’ personal information without lawful authority.

- Impersonate another person or misrepresent your affiliation.

- Use the Service to spam, harass, harm or mislead others.

- Use the Service unlawfully or infringe another person’s rights.

These restrictions do not prevent the permitted downloading, retention or sharing of your own Report.

10. Intellectual Property and Branding

10.1 Ownership

We own or license the intellectual property in the Website, Assessments, original questions, protected scoring implementations, written content, software, and Report format and design.

Third-party materials remain the property of their respective owners and are subject to applicable licences.

10.2 Assessment materials and methods

Our original Assessment materials and implementations may be protected by copyright and other applicable intellectual property laws.

These Terms do not claim exclusive ownership of general ideas, established psychological concepts or frameworks belonging to others. Trade-secret or patent protections apply only where their legal requirements are met.

10.3 Branding

Our branding includes Illuminate, IlluminatePathways, Pathways, Self-Mastery, Illuminate Self-Mastery and associated logos and visual elements.

You must not use our branding without written permission in a way that suggests endorsement, sponsorship or affiliation, or otherwise infringes our rights.

This does not prevent accurate references to the Service or sharing an unaltered Report as permitted by these Terms.

10.4 Copyright concerns

If you believe material available through the Service infringes your intellectual property rights, contact hello@self-mastery.live with details of the material, its location and the rights you believe have been infringed.

 

© 2024–2026 Kay L. Green. All rights reserved, subject to applicable third-party rights and licences.

11. Email Communications and Third-Party Services

 11.1 Service messages

Where you provide an email address for an account or Subscription, we may send messages necessary to deliver the Service, including account, security, billing and renewal notices.

 11.2 Newsletters and marketing

We will send newsletters and marketing messages where you have consented or where otherwise permitted by applicable law.

You may unsubscribe from marketing messages using the unsubscribe link. This does not stop essential account or billing notices while you have an account or Subscription.

11.3 Service providers

The Service uses third-party providers, including Wix for the Website, Netlify for application hosting, Stripe for payments and Substack for relevant email and newsletter functions.

Some providers may operate outside Australia. Our Privacy Policy explains our handling of personal information, including relevant disclosures to service providers.

Separate third-party services may have their own terms and privacy policies. We take reasonable care in selecting providers, and nothing in this clause removes our own legal responsibilities.

11.4 External links

A link to third-party content does not necessarily mean we endorse it. We do not control independently operated websites or services and encourage you to review their terms before using them.

12. Changes, Availability and Suspension

12.1 Service updates

We may update, improve or change the Service from time to time.

If a change materially reduces the core features of a Service you have already paid for, we will provide reasonable notice and explain your cancellation options and any applicable refund entitlement.

12.2 Availability

The Service may be temporarily unavailable for maintenance, security work or circumstances outside our reasonable control.

We do not guarantee uninterrupted or error-free operation, but remain responsible for meeting our obligations under applicable law.

12.3 Suspension or termination

We may reasonably suspend or terminate access if you materially breach these Terms or if action is necessary to address fraud, unlawful activity or a genuine security risk.

We will ordinarily provide notice and an opportunity to remedy a breach where appropriate. Immediate action may be taken where the breach is serious or delay would create a risk.

12.4 Consequences

If access ends, you must stop accessing the Service and using materials outside the permissions granted by these Terms.

You may retain and share your own previously downloaded Report in accordance with these Terms.

Suspension or termination does not remove accrued consumer rights, refund entitlements or other rights that cannot lawfully be excluded.

13. Consumer Guarantees, Disclaimers and Liability

13.1 Rights that cannot be excluded

The Australian Consumer Law and other applicable laws may give you rights, guarantees and remedies that cannot be excluded.

Nothing in these Terms excludes or limits those rights, or liability that cannot lawfully be excluded or limited.

13.2 Other warranties

Subject to clause 13.1, and to the extent permitted by law, we exclude warranties, conditions and terms implied by law that may lawfully be excluded.

We do not promise that the Service will meet every individual requirement or that a Report will be suitable for a purpose beyond the personal-development use described in these Terms.

13.3 Liability

Any exclusion or limitation of liability applies only to the extent permitted by law.

Subject to clause 13.1, we are not liable for indirect or consequential loss, loss of profit or loss of business opportunity arising from use of the Service where that liability may lawfully be excluded.

This clause does not exclude remedies available under consumer guarantees or liability that cannot lawfully be excluded.

13.4 Optional liability cap

######[Law firm to confirm whether any additional liability cap is appropriate and enforceable for this personal-development Service, and insert approved wording if required.]

14. Changes to These Terms

14.1 Notice

We may update these Terms from time to time. We will publish the updated version on the Website and identify its effective date.

We will give at least 30 days’ notice of material changes by email or a prominent Website notice.

14.2 Your options

If you do not agree to a material change, you may stop using the Service and cancel your Subscription before it takes effect.

We will explain any applicable refund entitlement where a change materially affects a period you have already paid for.

Changes do not retrospectively remove accrued rights or remedies.

Continued use after changes take effect constitutes acceptance to the extent permitted by law.

15. Governing Law and General Provisions

15.1 Governing law

These Terms are governed by the laws of Victoria, Australia.

You and we submit to the non-exclusive jurisdiction of the courts of Victoria and courts entitled to hear appeals from them.

This does not limit mandatory consumer rights or access to courts or tribunals available under the laws of the place where you live.

15.2 Severability

If a provision is invalid or unenforceable, the remaining provisions continue to apply to the extent they can operate without it.

15.3 No waiver

A failure or delay in enforcing a right does not waive that right.

15.4 Assignment

You may not transfer your rights or obligations under these Terms without our written consent, which we will not unreasonably withhold.

We may transfer our rights and obligations to a successor to our business, provided this does not materially reduce your rights. We will notify you where required by law.

15.5 Entire agreement

These Terms, our Refund Policy and any applicable additional terms disclosed before purchase form the agreement between you and us about the Service.

Our Privacy Policy separately explains how we handle personal information.

Nothing in this clause excludes rights arising from representations or obligations that cannot lawfully be excluded.

16. Contact Us

For questions about these Terms, Subscriptions, cancellation, licensing, copyright or the Service, contact:

Kay L. Green

Trading as Illuminate Self-Mastery

Email: hello@self-mastery.live  

Website:https://illuminatepathways.com

Last Updated: 6th November, 2026

 

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### Final checks before adding this to Wix

 

Please ask your law firm to resolve the marked placeholders and confirm:

 

1. **Your prices, checkout currencies and GST treatment.**

2. **The cancellation method and Refund Policy.**

3. **The actual storage and retention of responses and Reports**, confirmed by your developer.

4. **The third-party providers and their roles**, particularly whether Substack handles newsletters only or other membership emails.

5. **Whether a liability cap should be included.**

6. **Consistency between these Terms, the Privacy Policy, checkout and the assessment itself**, including the minimum age of 18.

 

Once approved, publish **one final set of Terms**, with links to the approved Privacy Policy and Refund Policy—not this draft followed by a second, potentially conflicting agreement.