Own your land.
Build your forever home.

1. Website Terms of Use

1.1 Who we are

Welcome to the website of Kerry Towndrow (ABN 12 841 871 824) ("we", "us", "our"). These Terms apply to kerrytowndrow.com, our Skool community, and all pages, forms and files on them ("this site").

1.2 Agreement to these terms

By accessing this site, joining a waitlist, or booking an event or program, you agree to these Terms & Conditions ("Terms"). If you do not agree, please do not use this site.

1.3 Privacy

Your use of this site is also governed by our Privacy Policy below, which forms part of these Terms. When you complete a form, your details are stored in our customer relationship system and related tools so we can respond to you, manage bookings and send the communications you asked for. You can unsubscribe from marketing emails at any time.

1.4 Age

You must be 18 or over to make a booking or purchase on this site.

1.5 Acceptable use

Your use of this site is subject to the rules in Schedule 1 (Prohibited conduct). We may suspend or end your access to this site, or decline a booking, if:

• you breach these Terms;
• we cannot verify information you give us; or
• we reasonably believe your actions may cause harm or legal liability to us, our clients, partners or any other person.

1.6 Indemnity

You indemnify us against any loss, liability or cost (including reasonable legal costs) we incur because of your breach of these Terms, your misuse of this site, or any material you submit through it, except to the extent the loss is caused by our own negligence or breach.

2. Bookings and payments

2.1 How a booking is made

Information on this site is an invitation to book, not an offer. When you complete a checkout, you make an offer to buy the event seat, program or product you selected. Your booking is accepted when we send a confirmation email or begin providing the service, whichever is first.

2.2 Waitlists

Joining a waitlist is free and does not reserve a seat or place. Waitlist members receive priority notice when bookings open. Places are then confirmed on payment, in order of booking.

2.3 Limited capacity

Some events have limited seats. If an event is full when your payment is received, we will refund you in full or offer a seat at the next event.

2.4 Prices and GST

All prices are in Australian dollars and include GST. We may change prices at any time, but not for a booking already accepted.

2.5 Payment

Payments are processed securely by Stripe. We do not see or store your full card details. Payments are also subject to Stripe's own terms and privacy policy. Where we offer bank transfer, we will email the account details and a reference number to quote.

2.6 Payment plans

Where a program is offered on a payment plan, you agree to pay every instalment on time. If an instalment fails and is not paid within 7 days of our reminder, we may pause your access until it is paid. A payment plan is a commitment to the full program price, not a monthly subscription you can cancel at any time, unless the offer page says otherwise.

2.7 Fraud checks

We may hold or cancel a booking that fails our payment provider's fraud checks. If we cancel for this reason, we will refund any amount received.

3. Events, programs and refunds

Nothing in this section limits your rights under the Australian Consumer Law. If a service has a major failure, you are entitled to a refund or other remedy the law provides.

3.1 Event seats

3.2 Seat transfers

You may transfer your seat to another person at no cost by emailing hi@magnetisedmoney.com with their name and email before the event.

3.3 Event credits towards a program

Where an event page says the seat price is credited towards a program (for example, the Her Future™ $89 seat credited to The Wealth Upgrade™), the credit:

• applies to the named program only;
• must be used within 90 days of the event;
• is applied at checkout or deducted from the first payment; and
• has no cash value and cannot be transferred, unless we agree in writing.

3.4 Programs and coaching

• Cooling-off: you may cancel a program within 7 days of purchase for a full refund, provided you have not attended a live session or accessed more than 20% of the content.
• After that: program fees are not refundable for change of mind. You may pause once for up to 4 weeks by written request.
• Missed sessions: recordings are provided where available. Missed live sessions are not refunded or rescheduled.
• Our cancellation: if we cannot deliver the program, we will refund the unused portion of your fees.

3.5 Digital products

Digital downloads and on-demand training are not refundable for change of mind once accessed, because they cannot be returned.

3.6 How to request a refund or credit

Email hi@magnetisedmoney.com with your name, booking and reason. We will respond within 5 business days and process approved refunds to the original payment method within 10 business days.

3.7 Conduct at events

We may ask anyone who behaves in a disrespectful, unsafe or disruptive way to leave, without refund. Food at catered events is provided by the venue; please tell us about dietary needs when booking. We are not responsible for personal belongings.

3.8 Photography and recording

We may photograph or record events for marketing. By attending, you consent to appearing in this material. If you prefer not to appear, tell us at check-in and we will exclude you.

4. Education, results and intellectual property

4.1 Education only, not advice

Our events, programs, tools and content are general education. They are not personal financial, credit, tax, legal or property advice, and do not take into account your objectives, financial situation or needs. Before acting, consider whether the information suits you and seek advice from a licensed professional such as a financial adviser, credit provider, accountant, solicitor or conveyancer.

4.2 Partners and referrals

Some events are co-hosted with partners such as Madison Property. Partners are responsible for their own services and advice. If you choose to engage a partner, you contract with them directly. We do not receive any referral fee or commission if you engage a partner.

We share your details with Madison Property only if you tick the consent box on our booking or waitlist form. You can attend without giving that consent, and withdraw it at any time. See section 4.3 of our Privacy Policy.

4.3 Results

Testimonials and examples on this site reflect individual experiences. They are not a promise or typical result. Outcomes depend on your circumstances, decisions, market conditions and effort.

4.4 Our content

All content on this site, and all materials provided in our events and programs (including workbooks, templates, frameworks, recordings and dashboards), belongs to us or our licensors and is protected by copyright. You may use materials for your own personal or internal business use. You must not copy, resell, share, teach or create derivative works from them without our written permission.

4.5 Trade marks

Our names, logos and program names, including those marked ™, are our trade marks. You must not use them without our written consent.

4.6 Copyright concerns

If you believe content on this site infringes your copyright, email hi@magnetisedmoney.com with details of the work and the material concerned. We will review it and remove or block the material if appropriate.

5. Liability and general terms

5.1 Your consumer rights

Our services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts or modifies those rights.

5.2 This site

We work to keep this site accurate and available, but we do not guarantee it will be error-free, uninterrupted or free of viruses, or that information on linked third-party sites is accurate.

5.3 Limit of liability

To the extent permitted by law:

• we are not liable for any indirect or consequential loss, including loss of profit, revenue, data or opportunity; and
• where the law allows us to limit our liability for a failure to meet a consumer guarantee, our liability is limited to supplying the services again or paying the cost of having them supplied again.

Our total liability to you for any claim is limited to the amount you paid us for the event, program or product the claim relates to.

5.4 Your decisions

You are responsible for the decisions you make using information from our events, programs and content, including any property purchase, borrowing or investment decision.

5.5 Notices

We may give you notices by email to the address you provided. You can contact us at hi@magnetisedmoney.com.

5.6 Changes to these Terms

We may update these Terms from time to time. The version on this site at the time you book applies to that booking. Material changes will not apply to a booking already accepted without your agreement.

5.7 Assignment

You may not transfer your rights under these Terms without our consent, except a seat transfer under 3.2. We may transfer our rights and obligations to a successor business, provided your rights are not reduced.

5.8 Waiver and severability

If we do not enforce a term, we have not waived it. If any term is invalid or unenforceable, it is removed and the rest of these Terms continue to apply.

5.9 Interpretation

Headings are for convenience only. "Including" means including without limitation. The singular includes the plural.

5.10 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.

Schedule 1: Prohibited conduct

When using this site, you must not:

• interfere, or attempt to interfere, with the proper working or security of this site;
• place an unreasonable load on our systems, or access this site by automated means, including bots, scrapers or data-mining tools;
• submit false information, another person's details without their consent, or spam through any form;
• transmit viruses or any harmful code;
• use this site for any unlawful, misleading, deceptive or fraudulent purpose;
• copy, resell or redistribute our content or program materials except as allowed in clause 4.4;
• use our content or materials to build a competing product, program or service;
• falsely imply that another website, person or business is associated with us;
• impersonate any person or misrepresent an affiliation with us; or
• post or send material that is abusive, harassing, defamatory, obscene, discriminatory, or that infringes anyone's intellectual property or privacy.

Kerry Towndrow · ABN 12 841 871 824 · Point Cook VIC 3030 · hi@magnetisedmoney.com · Last updated 16 October 2026

Effective date: 15 October 2026 · Previous version: 18 September 2026

1. Who we are

This Privacy Policy applies to kerrytowndrow.com, our Skool community, and our events and programs, including Her Future™ and The Wealth Upgrade™.

These are owned and operated by Kerry Towndrow (ABN 12 841 871 824), an Australian business providing financial coaching, business strategy, property education and digital education ("we", "us", "our").

We handle personal information in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

2. What we collect

Contact details: name, email, mobile and, where needed, postal address.

Event bookings and waitlists: the events you are interested in, whether you would like information about our programs, your property stage (for example, "Saving a deposit" or "Ready now"), and any question you choose to send us.

Dietary needs and allergies: only if you tell us, and only so the venue can cater for you. This is health information, so we collect it with your consent and share it only with the event venue.

Program and account information: enrolment details, Skool account details, coaching notes, survey and feedback responses, and session recordings (with consent).

Payment information: payments are processed by Stripe. We receive your name, email, billing address and transaction details, but never your full card number.

Website information: IP address, device and browser type, pages visited and time on site, collected through cookies and similar tools.

Communications: emails, messages, form submissions and community posts.

If you do not give us certain information, we may not be able to take your booking or provide a service.

3. How we use it

• Deliver what you asked for: confirm bookings, run events, provide programs and coaching, and manage your account.
• Stay in touch: send booking confirmations, reminders and program materials, answer your questions, and tell you about future events when you join a waitlist.
• Marketing: send educational emails and offers if you have opted in. Every email includes an unsubscribe link.
• Tailor our follow-up: your property stage helps us send relevant information and invite you to a Property Pathway Call if you are ready.
• Event photos and recordings: we may photograph or record events and use the images in our marketing. Tell us at check-in if you prefer not to appear and we will exclude you.
• Payments and records: process payments, issue receipts and meet tax obligations.
• Improve our services: understand what content and events are useful.
• Legal: meet our legal obligations and resolve disputes.

4. Who we share it with

We do not sell or rent your personal information.

4.1 Service providers. We use these providers to run our business. They may only use your information to provide their service to us.

4.2 Event co-hosts. Some events are co-hosted. Co-hosts presenting at an event may see the attendee list (names only) so they can run the session.

4.3 Madison Property (only with your consent). Her Future™ is co-hosted with Vivienne Ngo of Madison Property. If you tick the consent box on our booking or waitlist form, we will share your name, email, mobile, property stage and any question you sent with Madison Property, so they can contact you about land, home design and building. Madison Property handles your information under its own privacy policy. You do not need to give this consent to attend an event or join our programs, and you can withdraw it at any time by emailing us or Madison Property.

4.4 Legal requirements. We may disclose information to the Australian Taxation Office, regulators or law enforcement where the law requires it.

4.5 Overseas storage. Several providers above store data outside Australia, mainly in the United States. We choose established providers with strong security practices, but overseas laws may differ from Australian privacy law.

5. Cookies

We use essential cookies to run the site, analytics cookies to understand usage, and marketing cookies (including GoHighLevel tracking) to measure our campaigns. Skool and Stripe set their own cookies. You can block or delete cookies in your browser settings, though some features may not work.

6. Security

We protect your information with encrypted connections (HTTPS), strong passwords and two-factor authentication on our accounts, and limited access. No online system is completely secure, so we cannot guarantee absolute security. If a data breach is likely to cause you serious harm, we will notify you and the Office of the Australian Information Commissioner (OAIC) as the law requires.

7. How long we keep it

We keep your information while we need it to provide our services, and payment and tax records for at least 5 years as Australian tax law requires. Dietary information is deleted after the event. Waitlist details are kept until you unsubscribe or ask us to delete them. When we no longer need information, we delete or anonymise it.

8. Your rights

You can ask to:

1. access the personal information we hold about you;
2. correct information that is wrong or out of date;
3. delete your information, unless we must keep it by law;
4. stop receiving marketing, at any time; and
5. withdraw any consent you have given, including to the Madison Property share.

Email hello@kerrytowndrow.com. We respond within 30 days. If we cannot meet a request, we will explain why in writing.

9. Marketing emails

You can unsubscribe using the link in any marketing email or by contacting us. We may still send transactional emails, such as booking confirmations, event reminders, receipts and program materials.

10. Other websites

Our sites link to other websites, including Skool and partner sites. We are not responsible for their privacy practices. Please read their policies before giving them your information.

11. Age

Our services are for adults. We do not knowingly collect information from anyone under 18. If we learn we have, we will delete it.

12. Changes to this policy

We may update this policy when our practices or the law change. The current version is always on our website with its effective date. If a change materially affects how we use information you have already given us, we will tell you by email.

13. Contact us

Kerry Towndrow · ABN 12 841 871 824 · Point Cook VIC 3030 · Email: hello@kerrytowndrow.com · Website: kerrytowndrow.com

14. Complaints

If you have a privacy complaint, please contact us first and we will respond within 30 days. If you are not satisfied, you can contact the Office of the Australian Information Commissioner: oaic.gov.au · 1300 363 992 · enquiries@oaic.gov.au.

© Kerry Towndrow. All rights reserved.