Payment Terms & Conditions — JoAnnCutler.online

Last updated: December 2025

1. Scope of Application

These Terms & Conditions apply to all purchases made through JoAnnCutler.online, including digital products, online courses, downloadable resources, workshops, art classes, and any physical items where applicable.

The term “Client” refers to any person or organisation placing an order and completing payment through our secure online checkout or any approved payment method.

By placing an order, you acknowledge that you have read, understood, and agree to these Terms & Conditions.

1a. Age Requirements

You must be 16 years or older to purchase physical or digital products.
You must be 18 years or older to purchase services, such as coaching, workshops, or online learning programs.

If a purchase is made by someone who does not meet these age requirements, the order will be cancelled and refunded, and access will be removed.

2. Orders

All orders placed on JoAnnCutler.online constitute full acceptance of these Terms & Conditions.

After payment is successfully processed, you will receive an order confirmation email.
Depending on the product you have purchased:

Your digital download may appear immediately on the Thank You page,
or
It may be delivered directly to your email inbox.

Please ensure your email address is correct at the time of purchase.

3. Pricing

All prices are listed in Australian Dollars (AUD).

Prices may change at any time without notice; however, the price displayed at checkout is the price charged.

Digital products do not incur shipping fees.
Physical products (if applicable) may incur delivery costs, which will be clearly shown at checkout.

4. Payment

Payment in full is required at the time of purchase.

Accepted payment methods may include:

Visa
Mastercard
Debit cards
PayPal (if enabled)

All payments are securely processed through trusted payment providers such as Stripe or PayPal.
JoAnnCutler.online does not store or have access to your credit card information.

5. Delivery & Access

Digital Products

Digital items such as affirmations, templates, downloads, creative resources, and online course access may be delivered in one of two ways:

Instant download links provided on the Thank You page, or
Access links or downloadable files sent via email, depending on the product.

If you do not receive your digital item within 15 minutes, please:

Check your spam/junk folder
Contact us at enquiries@joanncutler.online

Physical Products (if applicable)

Physical products are shipped to the address provided at checkout.
You are responsible for ensuring delivery information is accurate.

Workshops, Classes & Coaching

Event information and session details will be sent via email after purchase.
It is the client’s responsibility to attend scheduled sessions.

6. Personal Data & Privacy

By making a purchase from JoAnnCutler.online, you consent to the collection and use of your personal information in accordance with our Privacy Policy.

Your information may be used to:

Process your order
Deliver your digital products
Provide course access or event details
Send updates or support
Share newsletters or promotional emails (you may unsubscribe anytime)

Your information is never sold to third parties.
It is only shared with trusted service providers essential to processing your order (payment processors, email systems, course platforms).

7. Refund Policy

Refund terms are fully detailed in our Refund Policy.

Summary:

Digital products: Non-refundable due to instant access.
Online courses: Refunds or guarantees apply only if clearly outlined on the sales page.
Workshops and classes: Refunds depend on notice periods and availability.

Please review the product page for specific refund terms.

8. Intellectual Property

All products, downloads, course materials, videos, graphics, and creative resources provided by JoAnnCutler.online are protected by copyright.

Purchasing a product grants you a personal, non-transferable, non-commercial licence.

You may not:

Share
Upload
Sell
Redistribute
Copy
Publish
any content without written permission.

9. Governing Law

These Terms & Conditions are governed by the laws of Queensland, Australia.

Any disputes will be handled within the appropriate courts of Queensland.

10. Business Information

JoAnn Cutler Artful Living Coach (Trading as JoAnnCutler.online)
Gold Coast, Queensland, Australia
Email: enquiries@joanncutler.online