Last updated: June 2026

These Terms apply to all members of the Buyers Agent Mastery program.

Please read these Terms and Conditions carefully before enrolling in or accessing the Buyers Agent Mastery program. By purchasing access, creating an account, or using any part of the platform, you agree to be bound by these Terms. If you do not agree, do not proceed with your enrolment.

1. Interpretation & Definitions

In these Terms, the following capitalised terms have the meanings set out below:

Company / We / Us / Our: Morgan Holdaway Advisory Pty Ltd (ABN 78 692 621 855), the operator of the Buyers Agent Mastery program.

Program: The Buyers Agent Mastery online education program, including all Curriculum content, Community spaces, the BAM Vault, live sessions, and any associated tools or resources made available to Members.

Member / You: Any individual or business entity that has purchased, been granted, or is otherwise accessing the Program.

Curriculum: The educational content organised across the START, GROW, and SCALE lanes of the BAM platform, delivered primarily through the Circle platform.

Community: The online community spaces hosted within the Program (including Wins & Milestones, Peer Pods, and Ask the Advisors), accessible via the Circle platform.

BAM Vault: The searchable directory of templates, scripts, calculators, and AI tools (Mastery Move Accelerators) available within the Program.

Platform: The online system through which the Program is delivered, currently Circle (circle.so).

Content: All educational materials, videos, templates, scripts, tools, GPT prompts, frameworks, and other resources created by or on behalf of the Company and made available within the Program.

Professional Fee: The fee charged by a buyers agent to their client — referred to exclusively in BAM materials by this term (not 'commission' or 'success fee').

Subscription: A recurring payment arrangement granting ongoing access to the Program.

Terms: These Terms and Conditions, as updated from time to time.

2. Eligibility & Enrolment

To enrol in and access the Program, you must:

Be at least 18 years of age;

Be a licensed buyers agent, a buyers agency owner, or a professional actively operating in — or seeking to operate in — the Australian property market;

Provide accurate, complete, and current information at the time of enrolment; and

Have the legal authority to enter into a binding agreement on behalf of yourself or the entity you represent.

The Company reserves the right to refuse enrolment to any individual or entity at its sole discretion, including where the applicant does not meet the criteria above or where the Company reasonably determines that admission is not in the interests of the broader membership community.

3. Fees, Payment & Billing

3.1  Pricing

Program fees are set out on the BAM website and/or your enrolment confirmation. All fees are quoted in Australian Dollars (AUD) and are inclusive of GST unless otherwise stated.
3.2  Payment Methods

We accept payment via Visa, Mastercard, American Express, and such other methods as are made available at checkout. Payment is processed through a third-party payment gateway. By providing your payment details, you authorise us to charge the applicable fees.

3.3  Payment Plans & Subscriptions

Where a payment plan or subscription is offered, you authorise the Company to charge your nominated payment method on the agreed schedule. It is your responsibility to ensure your payment method remains valid. If a payment fails, we will notify you and allow a reasonable period to update your details. Continued failure to pay may result in suspension or termination of your access.

3.4  Price Changes

The Company reserves the right to revise Program fees at any time. For existing Members on a subscription, we will provide at least 30 days' written notice before any price increase takes effect. Your continued use of the Program after the effective date of a price change constitutes acceptance of the new pricing.

4. Refund & Cancellation Policy

4.1  General Policy

Due to the immediate and ongoing nature of digital program delivery — including the provision of downloadable templates, AI tools, curriculum content, and community access — all fees paid are generally non-refundable once access has been granted.

4.2  Change-of-Mind

We do not offer refunds for change of mind after access to the Program has commenced. We encourage you to review all publicly available information about the Program before purchasing.

4.3  Exceptional Circumstances

We assess refund requests on a case-by-case basis where exceptional circumstances exist (for example, a serious medical emergency preventing participation). Any such request must be submitted in writing within 14 days of the date access was granted. The Company's decision regarding such requests is final.

4.4  Australian Consumer Law

Nothing in this clause limits any right you may have under the Australian Consumer Law. If a major failure occurs with the Program, you may be entitled to a remedy under the Competition and Consumer Act 2010 (Cth). For enquiries, contact us at the details below.

4.5  Subscription Cancellation

You may cancel a recurring subscription at any time by notifying us in writing. Cancellation takes effect at the end of the current billing period. No refund is issued for the remainder of the billing period in which cancellation is made. Upon cancellation, your access to the Platform will cease at the end of that period.

5. Access & Platform

5.1  Access Conditions

Subject to these Terms and payment of applicable fees, the Company grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Program for your own professional development.

5.2  Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must not share your login details with any other person. If you suspect unauthorised access to your account, notify us immediately.

5.3  Platform Availability

We aim to make the Platform available at all times but cannot guarantee uninterrupted access. The Platform may be unavailable during scheduled maintenance, technical issues, or circumstances beyond our control. We are not liable for any loss arising from Platform unavailability.

5.4  Third-Party Platforms

The Program is delivered in part through third-party platforms, including Circle (circle.so) and Riverside (for podcast/live sessions). Your use of these platforms is also subject to their own terms and privacy policies. The Company is not responsible for the actions, availability, or performance of these third-party platforms.

6. Intellectual Property

6.1  Ownership

All Content within the Program — including but not limited to the Curriculum, frameworks, methodologies (including the START/GROW/SCALE lanes, the five pillars framework, and the Elegant Simplicity approach), templates, scripts, calculators, Mastery Move Accelerators (custom GPTs), BAM Vault resources, and branding — is the exclusive intellectual property of the Company and its licensors, protected by Australian and international copyright and trademark law.

6.2  Permitted Use

You may access and use the Content solely for your own professional development within your buyers agency business. You may not:

Copy, reproduce, republish, upload, post, transmit, or distribute any Content without prior written consent from the Company;

Use any Content to create competing products, programs, or services;

Share your account credentials or Content access with any person who is not a paying Member;

Incorporate any Content into training data for AI systems or machine learning models; or

Remove or alter any copyright, trademark, or proprietary notice.

6.3  Member-Generated Content

Where you contribute content to the Community (e.g., posts, comments, responses), you retain ownership of that content but grant the Company a non-exclusive, royalty-free, worldwide licence to use, reproduce, and display it for the purposes of operating the Program and Community. You warrant that any content you contribute does not infringe the rights of any third party.

7. Community Standards & Member Conduct

The BAM Community is a peer space for Australian buyers agents. We expect all Members to engage professionally and constructively. The following conduct is prohibited:

Sharing, soliciting, or posting content that is defamatory, abusive, discriminatory, or harassing toward any Member, host, guest, or third party;

Spamming, unsolicited marketing, or promoting competing services within Community spaces;

Sharing confidential information disclosed by other Members outside of the Program;

Misrepresenting your identity, credentials, or business;

Any conduct that, in the Company's reasonable opinion, disrupts the learning environment or harms the reputation of the Program.

The Company reserves the right to remove content, warn, suspend, or terminate the membership of any Member who breaches these standards, without refund and without liability.

8. Educational Disclaimer & No Professional Advice

The Program is designed to provide business education and professional development for buyers agents. All Content is provided for general educational purposes only and does not constitute:

Legal advice;

Financial advice (including investment advice);

Accounting or tax advice;

Real estate or property advice specific to any individual transaction; or

Licensing or regulatory guidance applicable to your specific jurisdiction.

Results experienced by the Company's founders, mentors, or other Members are shared for illustrative purposes only and are not a representation or guarantee of results you will achieve. Individual outcomes will vary depending on your market, experience, effort, and other factors outside the Company's control.

We strongly recommend you obtain independent professional advice from a licensed accountant, lawyer, or financial adviser before making significant business decisions.

9. Limitation of Liability

9.1  Exclusion of Warranties

To the maximum extent permitted by law, the Company makes no warranty, express or implied, that the Program will meet your specific requirements, generate any particular level of revenue, or be error-free. The Program is provided 'as is' and 'as available.'

9.2  Cap on Liability

To the maximum extent permitted by applicable law, the Company's total aggregate liability to you (whether in contract, tort, statute, or otherwise) arising out of or in connection with the Program shall not exceed the total fees paid by you to the Company in the 12 months preceding the event giving rise to the claim.

9.3  Exclusion of Consequential Loss

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, consequential, or punitive loss or damage, including loss of revenue, loss of profits, loss of data, loss of business opportunity, or loss of goodwill, however caused.

9.4  Australian Consumer Law Savings

Nothing in this clause excludes, restricts, or modifies any right or remedy, or any guarantee, warranty, or other term or condition, implied or imposed by the Australian Consumer Law that cannot lawfully be excluded or limited.

10. Privacy

The Company collects and handles personal information in accordance with its Privacy Policy, available at [insert URL]. By enrolling in the Program, you consent to the collection, use, and disclosure of your personal information as described in that policy.

Your information will not be sold to third parties. It may be shared with service providers who assist us in delivering the Program (e.g., Circle, payment processors) under confidentiality obligations.

11. Confidentiality

Members may be exposed to confidential information shared by other Members, guests, or the Company within the Program — including business strategies, financial figures, client approaches, and operational systems disclosed in the Community or on the podcast.

You agree to treat all such information as confidential and not to share, reproduce, or use it outside of the Program without the express consent of the disclosing party. This obligation survives termination of your membership.

12. Termination & Suspension

12.1  By You

You may cancel your membership at any time by contacting us in writing. Refer to clause 4.5 for the effect of cancellation on subscription billing and access.

12.2  By the Company

The Company may suspend or terminate your access immediately, without prior notice, if:

You breach any provision of these Terms;

Your payment is overdue and remains unpaid after a reasonable cure period;

You engage in conduct that harms the Program, the Community, or other Members; or

The Company reasonably believes your continued membership poses a risk to others.

Upon termination, your right to access the Platform ceases immediately. The Company is not obligated to provide a refund upon termination for cause.

13. Changes to the Program

The Company reserves the right to update, modify, expand, or withdraw any aspect of the Program — including Content, platform features, community structures, delivery format, and pricing — at any time. We will endeavour to notify Members of material changes in advance where practicable.

No change to the Program entitles you to a refund unless the change constitutes a failure to provide a service with due care and skill under the Australian Consumer Law.

14. Changes to These Terms

We may update these Terms from time to time. Where a change is material, we will provide at least 30 days' notice to Members via the Platform or email before the updated Terms take effect. Your continued use of the Program after the effective date constitutes acceptance of the updated Terms.

If you do not agree to the updated Terms, you must cancel your membership before the effective date.

15. General

15.1  Governing Law

These Terms are governed by the laws of New South Wales, Australia. You irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales for any dispute arising under or in connection with these Terms.

15.2  Dispute Resolution

If a dispute arises between you and the Company, you agree to contact us in good faith to attempt to resolve it informally before commencing any formal legal proceedings. Most issues can be resolved quickly by reaching out to our team.

15.3  Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision will be interpreted to achieve its original intent to the greatest extent possible, and the remaining provisions will continue in full force and effect.

15.4  Waiver

Failure by the Company to enforce any provision of these Terms does not constitute a waiver of the right to enforce that provision at a later time.

15.5  Entire Agreement

These Terms, together with the Privacy Policy and any enrolment confirmation, constitute the entire agreement between you and the Company in relation to the Program and supersede all prior representations, discussions, or agreements.

15.6  No Assignment

You may not assign or transfer your rights or obligations under these Terms without the Company's prior written consent. The Company may assign its rights and obligations without restriction.

16. Contact Us

For any questions, concerns, or formal notices under these Terms, please contact:

Buyers Agent Mastery Pty Ltd

Email: [email protected]

Website: buyersagentmastery.com.au

Address: Suite 5, 104 Little Malop Street Geelong, VIC, 3220

By enrolling in Buyers Agent Mastery, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.