Terms and Conditions

About Wealth District

Wealth District is the money management practice of Marc Ventura, based at Suite 2, Level 1, 330 Keilor Road, Niddrie VIC 3042. We help Australian households design and automate a structured system for managing their money. Marc provides financial advice as an authorised representative of Axies Pty Ltd (AFSL 339384), and credit services through Creative Financial Solutions Pty Ltd (ABN 47 605 567 397), authorised under Mortgage Specialists Pty Ltd (ACN 612 422 178, Australian Credit Licence 387025).

Using our website and free resources

General information only

Content on our website, in our videos and in our free resources, including the Money Evaporation Guide and Money Clarity Diagnostic, is general information and education only. It does not take your personal objectives, financial situation or needs into account and is not personal financial, credit, tax or legal advice. Examples and illustrations are for demonstration only.

Acceptable use

You agree to use our website lawfully, to provide accurate information in our forms and not to interfere with the website or attempt to access it in an unauthorised way. We may update, suspend or remove website content at any time.

Our paid programs

What is included

The Money Management & Income Horizon Program includes a household spending analysis, a personalised Money Buckets system, exact allocations for your pay cycle, a five-year Income Horizon, written automation instructions and a one-hour implementation session with Marc. We confirm your program, inclusions and fee in writing before you pay.

Your responsibilities

Before your session, you need to set up the required accounts, confirm your pay frequency and usual payday, and provide current payslips and bank statements. Our seven-day delivery period starts once we have received all of these items. You are responsible for providing accurate information, keeping your banking login details private and making the final decisions about your money.

Fees and payment

Program fees are quoted in Australian dollars and include GST where it applies. Payment is due before we begin your spending analysis. We may change our fees for future bookings, but any change will not affect a program you have already paid for.

Rescheduling, cancellations and refunds

You can reschedule your implementation session free of charge with at least 24 hours’ notice. If you cancel before we begin your spending analysis, we will refund your fee in full. Once work has started, we may keep a fair amount for the work already completed and refund the balance. This does not affect your rights under the Australian Consumer Law.

Intellectual property

Our content and methods

Our website content, guides, workbooks, videos, calculators and methods, including Money Buckets, the Income Horizon and the Money Evaporation Guide, are owned by or licensed to Wealth District and are protected by copyright and other intellectual property laws.

Permitted use

You may use our materials for your own household’s personal use. You must not copy, sell, share, republish or adapt them for commercial purposes, or use them to deliver services to others, without our written permission.

Liability and your consumer rights

Australian Consumer Law

Our services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these terms limits any right or remedy you have under that law.

Limits of our responsibility

Results depend on your circumstances and on you continuing to follow your system, so we cannot guarantee any particular financial outcome. To the extent permitted by law, we are not liable for indirect or consequential loss, or for loss caused by your bank, third-party providers, inaccurate information or decisions you make. Where our liability cannot be excluded, it is limited to supplying the service again or refunding the fee you paid for it.

Changes, governing law and contact