TERMS AND CONDITIONS Effective Date: 29 July 2025
Business Name: Vaka Moana Digital (trading as Digital Biz Mum) (“we”, “us”, “our”)
Website: digitalbizmum.com

1. Acceptance of Terms
By accessing or using our website, purchasing a course, or clicking on an affiliate link, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website.

2. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) to purchase courses or use our services.

3. Digital Products
All courses sold are digital products. Once purchased, access will be delivered via email or a member portal. Due to the nature of digital products, all sales are final and non-refundable, unless otherwise stated.

4. Affiliate Disclaimer
Some links on our website are affiliate links. This means we may earn a commission at no extra cost to you if you make a purchase through our links. We only recommend products we trust and have used or reviewed.

5. Intellectual Property
All content on this site (courses, videos, images, text, PDFs) is the intellectual property of Vaka Moana Digital (trading as Digital Biz Mum) and may not be copied, shared, or resold without written permission.

6. Account Access
When you purchase a course, you may receive a unique login. You are responsible for keeping this information confidential and for all activities under your account.

7. Limitation of Liability
We do not guarantee results. Your success depends on your efforts and circumstances. We are not liable for any direct or indirect damages resulting from use of our courses or affiliate recommendations.

8. Modifications
We reserve the right to modify these terms at any time. Continued use of the website constitutes your agreement to the updated terms.

9. Governing Law
These terms are governed by the laws of New Zealand. Any disputes will be handled in the courts of Wellington, NZ, unless otherwise agreed in writing.