These terms and conditions govern access to and use of the website and the behavioural finance bias awareness programme. By using the site or participating in the programme, users accept these terms and agree to comply with all policies referenced herein.

October 6, 2026

Acceptance of terms

By accessing or using this website and its services, users agree to be bound by these terms and conditions. Continued use of the site following any changes to these terms constitutes acceptance of the revised terms. Users are advised to review these terms regularly.

Definitions

The following definitions apply throughout these terms and conditions. Terms may have additional meanings as required by context or law.

• “Website” refers to the fivenglo.sbs website, its content, features, and related services provided by the Company, including all online resources and tools.
• “User” refers to any individual or entity accessing or using the website, whether as a visitor, applicant, participant, or alumni of the programme.
• “Programme” refers to the behavioural finance bias awareness programme, including all modules, content, materials, and related services delivered through the website or by the Company.
• “Company” refers to the entity operating the website and delivering the programme, responsible for content, data processing, and compliance with legal obligations.

Acceptable use of services

Use of the website and programme must comply with all applicable laws and Company policies. Users agree not to misuse any service or resource provided through the website.

Eligibility

Use of the website and participation in the programme are limited to individuals who meet the eligibility requirements specified by the Company. Users must be at least 21 years of age and demonstrate sufficient professional or academic background as required for programme admission.

The Company may request verification of age, identity, or qualifications at any time. Failure to provide valid documentation may result in denial or termination of access.

User responsibilities

Users have specific responsibilities when accessing the website or participating in the programme. Failure to meet these responsibilities may result in loss of access or other action.

• Users are responsible for maintaining the confidentiality of their account credentials and for all activity conducted under their account.
• It is the user's responsibility to provide accurate, current, and complete information during application, registration, or participation in the programme.
• Users must comply with all applicable laws, regulations, and policies when using the website or participating in the programme.
• Prompt notification to the Company is required in case of unauthorised account use or suspected security breach.

Prohibited uses

The following activities are strictly prohibited. Violation may result in immediate suspension or termination of access, and may be reported to relevant authorities.

• Users may not use the website for unlawful, fraudulent, or deceptive purposes, including the transmission of false information or unauthorised access to data.
• Interference with website security, servers, or connected networks is strictly prohibited. Users must not introduce viruses, malware, or attempt to gain unauthorised access to restricted areas.
• Content scraping, data mining, automated data collection, or use of bots without prior written consent of the Company is not allowed.
• Users must not post, transmit, or share content that is defamatory, offensive, infringing, or violates third-party rights through the website or programme channels.
• Commercial use of website content or materials, other than as expressly permitted, is prohibited without written authorisation from the Company.

Intellectual property

All website and programme content, including text, graphics, logos, videos, and materials, are the property of the Company or its licensors. Content may not be copied, distributed, or reproduced without prior written consent, except as permitted by law or these terms.

User content

Users may post or submit content as permitted by the website. All such content must comply with these terms and any applicable policies. The Company reserves the right to remove or moderate content at its sole discretion.

Privacy

The Company is committed to protecting user privacy and personal data in accordance with applicable law. For details on data collection, use, and rights, please refer to the privacy policy linked below. Privacy policy

Disclaimer

All website content is provided for general information only. No part of the website constitutes financial, legal, or professional advice. Users should seek independent advice before making any financial or business decisions.

Limitation of liability

To the maximum extent permitted by law, the Company disclaims liability for any direct, indirect, incidental, or consequential loss arising from website or programme use. This limitation applies even if the Company has been advised of the possibility of such damages.

Indemnification

Users agree to indemnify and hold harmless the Company and its affiliates from any claims, losses, or damages arising from their use of the website, violation of these terms, or infringement of any third-party rights.

Dispute resolution

The Company encourages users to seek amicable resolution of disputes. In the event of an unresolved dispute, the following mechanisms may apply as detailed in these terms.

Governing law

These terms are governed by and construed in accordance with the laws of Australia. Any disputes arising from these terms will be subject to the exclusive jurisdiction of Australian courts, unless otherwise required by local law.

Termination

The Company may suspend or terminate user access for violation of these terms, applicable laws, or other policy breaches. Users may also request termination of their account by contacting the Company.

Modifications to terms

The Company may revise these terms at any time to reflect changes in law, technology, or service offerings. Continued use of the website after changes are posted constitutes acceptance of the revised terms. Material changes will be communicated where required by law.

Severability

If any provision of these terms is found invalid or unenforceable, the remaining provisions will remain in full force and effect. Invalid terms will be replaced with valid provisions that most closely reflect the original intent.

Entire agreement

These terms and conditions constitute the entire agreement between the user and the Company regarding website use and programme participation. They supersede any prior agreements, representations, or understandings, whether written or oral.

Contact information

For questions regarding these terms and conditions or to exercise any related rights, please contact the Company using the information below. The Company aims to respond to all queries within a reasonable timeframe.