Definitions:

‘We/Us/Our’ in this document refers to Ginsburg Wealth Pty Ltd ATF Ginsburg Investment No 1 Trust T/A Spending Hacker.

‘Service’ in this document refers to our personalised consulting service Spending Hacker Concierge.

‘You’ in this document refers to the customer executing this agreement.

‘Application Fee’ – A fixed fee payable to us upfront when you submit a request to the Spending Hacker Concierge service.

‘Finder’s Fee’ – A variable fee payable to us if we are able to find you a comparable plan for a lower price. The fee will be a fixed percentage (as advertised from time to time) of the first’s year’s savings.

‘Plan’ – Any price structure (e.g. ongoing or one-off) for the supply of an everyday product or service you currently have or plan on taking.

‘Recommendation’ – An alternative plan to the one you are currently on or were planning on taking which we found to offer comparable features/inclusions for a lower price.

‘Savings’ – the difference between the current price you pay (or will pay) for your plan compared to how much you will pay with the alternative plan we identify for you.

When We agree to perform the service for You, we do so on the terms and conditions which follow, and they form our agreement with You:

  1. We will perform a review of the applicable plan you are currently on after you pay the initial application fee to us, including any existing bills you provide us.
  2. We will use our research skills to attempt an identify you a comparable plan with a lower price.
  3. If we are unable a comparable plan with a lower price, your initial application fee will be refunded in full.
  4. If we are able to find a comparable plan with a lower price, we will notify you of that as well as how much savings this will generate compared to your existing plan.
  5. If you choose to proceed with our recommendation, you will need to pay us our Finder’s Fee.
  6. Once the Finder’s Fee is paid, we will issue you a detailed report on how to secure our recommendation.

 

1. Your Obligations

(a) You must provide to Us information about your existing plan (ideally in the form of a recent bill/invoice) or any alternative plan you contemplate on taking.

(b) you must provide answers to our queries and any additional information we require in order to render our service to you, in a timely manner.

(c) You must pay any applicable fees (namely, Application Fee & Finder’s Fee) in a timely manner.

 

2. Acknowledgements

You acknowledge that:

  • We do not receive any payments or commissions from any providers for recommending any plan to you in this service.
  • We are 100% independent of all providers; and
  • Where we obtain information and/or documentation from providers, we will rely on the content of that information and documentation to be accurate at that time, when rending our service to you.

3. Our Fees

(a) Our fees for the service are shown on our website.

(b) The fees are comprised of an application fee and finder’s fee as amended from time to time.

(c) If we were to introduce new or additional fees for our service, they will be communicated on this page.

4. Invoicing and Payment

(a) An invoice for our Finder’s Fee will be issued in the event we are able to identify savings for you.

(b) If you fail to pay the invoice for our Finder’s fee, we are not required to provide you with any information on how to obtain the savings we identified.

5. Confidentiality

Neither you nor us, without the prior written consent of the other, use or disclose the other parties confidential information unless expressly permitted by this agreement or as required to do so by law or any regulatory authority.

6. Limitation of Liability

To the fullest extent permitted by law, We exclude:

(a) All representations, warranties and terms other than those set out in this agreement; and

(b) All liability with respect to the Service and any report produced in the course of undertaking the Service, including any consequential or incidental damages arising out or in connection with the provision of our services.

7. Unless We agree with You otherwise:

(a) Nothing in this agreement constitutes Us as an employee, partner or agent of You or any other relationship between the parties.

(b) This agreement is governed by the laws of Queensland and the parties submit to the jurisdiction of the courts of Queensland.

(c) This agreement is the entire agreement and understanding between the parties on everything connected with the subject matter of this agreement and supersedes any prior understanding, arrangement or representation or agreement between the parties as to the subject matter contained in this agreement.

(d) An amendment or variation to this agreement is not effective unless it is in writing and signed by all the parties.

(e) If anything in this agreement is unenforceable, illegal or void, it is severed, and the rest of the agreement remains in force.