1. Privacy Policy

Privacy Policy for DELTA YOU

Last updated: 30/09/2025

1. Introduction & Scope

DELTA YOU (“we,” “us,” “our”) is committed to protecting the privacy of individuals who visit our website, enroll in our courses, engage with our coaching, or otherwise interact with us globally. This Privacy Policy describes how we collect, use, disclose, and safeguard personal information. By using our website or services, you consent to the practices described here (subject to applicable law).

2. Information We Collect

We may collect the following categories of personal information:

Type of Information	Collected From	Purpose
Identity & Contact	Your name, email address, mailing address, phone number	To deliver services, communicate, billing, support
Account & Login Data	Username, password (hashed), security questions	To allow account creation and secure access
Payment & Billing	Credit/debit card number, billing address, transaction history	To process payments, refunds, invoices
Usage & Course Data	Course progress, quiz results, challenge completion status	To monitor performance, eligibility for refunds, personalize user experience
Communications & Support	Messages you send us, support tickets, feedback	To respond to inquiries, improve services
Marketing & Analytics	Cookies, IP address, device/browser information, usage logs	For analytics, A/B testing, marketing, site optimization

We do not collect more personal data than necessary for these purposes.

3. How We Use Your Information

We will use personal data for the following legal bases (as applicable under local law, e.g. GDPR, CCPA, etc.):

• To perform our contract with you (delivering courses, coaching, issuing refunds, support).

• To comply with legal obligations (tax, accounting, dispute resolution).

• For our legitimate interests (improving our programs, marketing, analytics), unless overridden by your privacy rights.

• With your consent (e.g. marketing emails, push notifications).

Specific uses include:

• Processing enrolments, payments, and refunds.

• Verifying eligibility for the 30‑day guarantee.

• Sending course materials, updates, and marketing communications (unless you opt out).

• Running quizzes, tracking progress, issuing certificates or badges.

• Analyzing performance, engagement, and improving user experience.

4. How We Share & Disclose Your Information

We may share your information with:

• Service providers / contractors — payment processors, email platforms, hosting, analytics tools.

• Affiliates / business partners — in limited cases relevant to delivering parts of our offerings.

• Legal & regulatory authorities — when required by law, court order, or to protect rights, safety.

• Acquirers — if DELTA YOU is merged, sold, or acquires another business; data may be transferred as part of that.

We will require that such third parties uphold privacy and security standards no less protective than in this policy.

5. International Transfers

Because we operate globally, your data may be stored, processed, or accessed in jurisdictions other than your home country. We will ensure appropriate safeguards (e.g. standard contractual clauses, data‑transfer agreements) are in place to protect your rights.

6. Data Security & Retention

We implement reasonable technical and organizational measures to protect your data from unauthorized access, alteration, disclosure, or destruction (e.g. encryption, access controls).
We retain your data as long as necessary to fulfill contractual, legal, or business purposes (for example, for tax, accounting, or legal claims). Once no longer required, we will delete or anonymize your data in a secure manner.

7. Your Rights & Choices

Depending on your jurisdiction, you may have rights including:

• Access: request a copy of your personal data.

• Correction: request corrections to inaccurate or incomplete data.

• Deletion (“right to be forgotten”): request erasure of data under certain conditions.

• Restriction / objection: limit how your data is processed, or object to certain processing.

• Portability: receive your data in a portable format.

• Withdrawal of consent: at any time, for processing based solely on consent (e.g. marketing).

• Opt-out of marketing communications: with an unsubscribe link in our emails or by contacting us.

To exercise these rights, email us at: reiley@deltayou.com.au (or whichever address you choose). We may ask you to verify your identity. We will respond in accordance with applicable law (often within 30 days, or another local timeframe).

8. Cookies & Tracking

We use cookies and similar technologies (pixels, web beacons) to:

• Enable site functionality (login, preferences).

• Perform analytics (e.g. Google Analytics).

• Track marketing effectiveness and retargeting campaigns.

You can control or disable cookies via your browser settings, though some features may not work as intended.

9. Children & Minors

Our services are intended for users aged 16+ or older (or as permitted under local law). We permit users of any age through the third party of use with a parent or guaradian. We do not knowingly collect personal data from children under applicable minimum age. If we become aware of data collected from a minor, we will delete it.

10. Changes to This Policy

We may update this Privacy Policy occasionally (e.g. to reflect changes in law or business). When we do, we will post the revised version with a “Last Updated” date and, if materially significant, notify you (via email or site banner). Continued use after changes implies acceptance.

2. Refund Policy

DELTA YOU Refund Policy

Last updated: 30/09/2025

1. Overview

We stand behind the quality of our digital educational products. Below are the refund rules that apply to different classes of products and services. When you enroll, you agree to these terms.

2. 30-Day Conditional Money-Back Guarantee (Smart Student Masterclass)

We offer a conditional 30‑day guarantee on the Smart Student Masterclass under the following strict conditions:

1. You must request the refund within 30 calendar days from your date of purchase.

2. You must have completed all of the digital product course lessons (i.e. viewed all module videos).

3. You must have completed all quizzes included in the course (with submissions).

4. You must have completed the challenge or final assignment defined in the course.

5. You must include with your refund request a short explanation of your efforts to apply the material (this is to reduce frivolous claims).

Refunds are not granted if you have failed to meet all of the above requirements. We reserve the right to verify your account activity (lesson / quiz progress, challenge submission) before granting the refund.

If your request meets all criteria, we will process your refund (less any transaction fees) within a reasonable period (typically 7–14 business days). The refund will go back to your original payment method (unless otherwise agreed).

Note: Any complementary bonuses tied to the Masterclass (delivered at zero extra cost) are considered part of the package; if the refund is granted, your access to those bonuses is revoked.

3. No Refund Policy on Consumable / Ongoing Services (Smart Student Academy, Coaching, etc.)

For consumable services, memberships, continuous coaching, or subscription-based models (such as the Smart Student Academy, trial or bonus offers, coaching calls, etc.), no refunds are offered. Because these services are – by nature – consumed and cannot be “returned,” the following rules apply:

• If you enroll in Smart Student Academy (even via a “free trial” or “claim 3 free masterclass bonuses” funnel), you agree to waive your refund rights once the trial or bonus period has begun (as explicitly disclosed).

• Once you have accessed or used any portion of the service, paid fees are final and non-refundable.

• We may, at our sole discretion, offer credits, extensions, or partial refunds in extraordinary or compelling cases (e.g. serious medical emergency), but we have no obligation to do so.

4. How to Request a Refund

To request a refund for a product eligible under the conditional guarantee:

1. Send a written email to [email protected] within the 30‑day window.

2. Provide your full name, email used for purchase, order number, date of purchase, and confirmation that you have (a) completed all lessons, (b) done all quizzes, and (c) completed the challenge (with evidence or statements).

3. Await our review. We may request supplementary proof of your progress.

4. If your request is approved, we will refund the purchase price (less transaction fees) back to your original payment method within 7–14 business days.

5. If your request is denied (e.g. failure to satisfy conditions), we will notify you with reasons and no refund is issued.

5. Modifications & Exceptions

• We reserve the right to modify this refund policy at any time; any changes will not apply to purchases already made (i.e. prior version governs for those).

• In jurisdictions where “cooling-off” consumer laws apply (e.g. certain distance‑selling regimes), the mandatory refund rights under those laws may override parts of this policy; we will comply with such legal obligations.

• Any applicable transaction or processing fees imposed by third‑party payment processors are not refundable.

3. Terms & Conditions / Terms of Use

Terms & Conditions for DELTA YOU

Last updated: 30/09/2025

Please read these Terms & Conditions (“Terms”) carefully before accessing or using services offered by DELTA YOU (“we,” “us,” “our”). By using our website, purchasing courses, or enrolling in coaching, you agree to these Terms. If you do not agree, do not use our services.

1. Eligibility

You must be at least the age of majority in your jurisdiction (e.g. 18 years or older, or with parental consent where applicable) to use our services. By enrolling, you represent that you have the legal capacity to enter into this agreement.

2. Enrollment & Access

• After purchase or acceptance of a free trial, you will receive login credentials to access your course(s), coaching, or membership.

• Access rights are non-transferable, personal, and limited to one user. You may not share your login credentials with others.

• You agree not to distribute, reproduce, modify, or publicly display course materials, except as permitted under these Terms or with our explicit permission.

3. License & Use of Content

• All materials provided (videos, texts, quizzes, workbooks) are copyrighted, and remain the property of DELTA YOU (or licensors).

• You are granted a limited, non-exclusive, non-sublicensable license to access and use the content solely for your personal, non-commercial educational purposes.

• You may not copy, republish, upload, post, transmit, or distribute the content in any way without our written consent.

• Any testimonials, reviews, or user-generated content you submit may be used by us for marketing or promotional purposes (unless you specifically request otherwise in writing).

4. Payment, Subscription & Renewals

• Prices and payment terms will be displayed at checkout or within the offer funnel.

• For one-time purchases (e.g. Masterclass), payment is due in full at or before access.

• For subscription services (e.g. Academy membership), you authorize us to charge the recurring payments (e.g. monthly, annual) until you cancel in accordance with our cancellation policy.

• We reserve the right to change fees or introduce new fees; we will give you reasonable advance notice before changes take effect.

5. Cancellation & Termination

• You may cancel subscription services at any time via your account settings or by contacting support. Cancellations prevent future charges, but do not entitle you to refunds except where legally required (or in case of exceptional, discretionary concessions by us).

• We reserve the right to suspend or terminate your access (without refund) if you violate these Terms, engage in misconduct, unauthorized sharing, or any fraudulent behavior.

6. Refunds

• Refunds for eligible products (e.g. Smart Student Masterclass) are governed by our Refund Policy (above).

• Refunds are not available for ongoing services, coaching, or consumables once used or accessed.

• In case of a refund approved, your access to all related course content and bonuses will be revoked.

7. Disclaimers & No Guarantees

• We provide educational, coaching, and developmental content. We do not guarantee specific results (e.g. grades, earnings, admission) — outcomes depend on effort, external factors, and individual circumstances.

• All content is provided “as is,” without warranties of merchantability, fitness for a particular purpose, or non-infringement.

• We are not liable for third‑party links, resources, or external websites you access via our site.

8. Limitation of Liability

To the fullest extent permitted by law:

• We (and our officers, employees, agents, affiliates) will not be liable for any indirect, incidental, punitive, consequential, or special damages (lost profits, lost data, business interruption) arising from or related to your use (or inability to use) our services.

• Our total aggregate liability to you in any circumstance is limited to the amount you paid us in the past 12 months (or, if you have not paid anything, a nominal amount such as USD 1).

• Nothing in these Terms limits liability where prohibited by law (e.g. gross negligence, willful misconduct).

9. Indemnification

You agree to indemnify, defend, and hold harmless DELTA YOU, its officers, employees, contractors, and licensors from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your misuse of the services or violation of these Terms

• Your infringement of third‑party rights (e.g. copyright)

• Any claim that your content caused harm or violates law.

10. Intellectual Property

• All intellectual property rights in the DELTA YOU site, branding, logos, curricula, and content are owned or licensed by us.

• You agree not to infringe, challenge, or contest our ownership or rights.

11. Privacy & Data

Your use of personal data is governed by our Privacy Policy (above). You agree to the collection, use, and storage of your data as described there.

12. Notices

We may send notices (e.g. via email, in‑platform messages) to the address you provide. You agree notices sent that way are effective.

13. Changes to Terms

We may modify these Terms at any time (e.g. to reflect changes in law or business). We will post the updated version (with “Last Updated” date) on our website. If changes are materially adverse, we may notify you by email. Continued use after changes constitutes acceptance.

14. Severability & Waiver

• If a court deems any provision invalid or unenforceable, that provision is severed and the remainder remains in force.

• Our failure to enforce a right or provision does not constitute waiver of that right later.

15. Governing Law & Dispute Resolution

• These Terms are governed by the laws of [Your Jurisdiction: e.g. “State of New South Wales, Australia”], without regard to conflict of laws principles.

• To the maximum extent permitted, any disputes shall be resolved by arbitration / mediation (or in courts in [Your City], Australia), as you prefer.

• If any part of a dispute must be brought in court, you consent to the exclusive jurisdiction of the courts located in [Sydney, NSW, Australia].

16. Entire Agreement

These Terms (plus Refund Policy, Privacy Policy, and any additional written agreements) constitute the entire agreement between you and DELTA YOU regarding your use of our services and supersede all prior agreements or communications.

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Tips for Implementation & Presentation on Your Website

• Place “Last updated” dates at top of each policy page.

• Include links in footers (e.g. “Privacy Policy,” “Refund Policy,” “Terms & Conditions”) and require users to accept them during checkout.

• During checkout, include a checkbox: “I have read and agree to the Terms & Conditions, Refund Policy, and Privacy Policy.”

• In your offer funnel (especially where “free trial” or “bonuses” are offered), clearly disclose “no refund for consumables/services once accessed.”

• Maintain internal logs of user’s lesson/quizzes/challenge completion to validate refund eligibility.

• Keep records of refunds (date, reason, decision) for legal/compliance purposes.

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If you like, I can also generate a version tailored to your specific jurisdictions (Australia, US, EU) or format these for easy HTML embedding. Would you like me to generate that for you?