Last updated: 12 November 2026

Working Together: Our Terms Made Simple

These terms outline how we work together when you use our website, access free content, or purchase our digital products. We’ve tried to keep the legal jargon to a minimum while protecting both your rights and ours.

By using our website or purchasing our products, you agree to these terms.

1. Using Our Website

What You Can Do:

  • Browse our resources and download free materials (blog posts, free guides)

  • Use the free Business Idea Generator app

  • Use the free Decision Tree app

  • Take the Reality Chat (free assessment)

  • Share our FREE content (blog posts, articles, social media posts) with proper attribution and a link back to our website

What You Cannot Do:

  • Copy, reproduce, or share our paid Ingredients, Condiments or Tools without a valid licence

  • Copy our proprietary methodologies (Recipe System) for commercial use

  • Use our content to create competing products or services

  • Attempt to hack, damage, or interfere with our website’s operation

  • Share your product access with others (each licence is for individual use only)

2. Free vs. Paid Content: Important Distinction

Free Content (Shareable):

  • Blog posts and articles on our website

  • Social media posts (LinkedIn, etc.)

  • Free guides and downloads

  • The Reality Chat assessment tool

  • General business advice in public forums

You may: Share, link to, and quote from free content with proper attribution.

  • The Ingredients, Condiments and Tools (individual training modules)

  • The Foundation Bundle and Implementation Bundle

You may NOT: Copy, reproduce, distribute, share, or resell paid content. Each purchase grants a single-user licence for your personal business use only.

3. Digital Products (Ingredients, Condiments, Tools and Bundles)

What You’re Purchasing:

When you buy an Ingredient, Condiment, Tool or bundle, you’re purchasing a single-user licence to access and use the digital training materials for your own business development. You are NOT purchasing ownership of the materials.

Pricing and Payment:

  • Prices show in your own currency: New Zealand dollars in New Zealand, Australian dollars in Australia, and US dollars everywhere else

  • For customers in New Zealand, GST is calculated automatically at checkout, in accordance with NZ tax law. No other geographic taxes are currently added at checkout.

Licence Grant:

We grant you a non-exclusive, non-transferable, revocable licence to:

  • Access and use the purchased Ingredient(s), Condiment(s) or Tool(s) via the ThriveableBiz Hub

  • Use any accompanying workbooks, templates, and downloadable tools for your own business

  • Reference the materials for your business activities

  • Email us questions about implementation (support included)

Licence Restrictions:

You may NOT:

  • Share your account or product access with others

  • Post Ingredient content publicly (social media, forums, websites)

  • Create derivative works to sell or distribute

  • Use the content to train, coach, or consult others commercially

  • Include Ingredient content in your own courses or products

  • Share the applications, workbooks, or templates from Ingredients

Exception: If you’re working with a business partner or co-founder on the SAME business, you may share access to Ingredients purchased for that specific business. This does NOT extend to employees, contractors, or clients.

Delivery and Access:

  • Platform: All Ingredients, Condiments and Tools are delivered via the ThriveableBiz Hub at my.thriveablebiz.com

  • Account: At the time of purchase, you’ll create an account. This account gives you access to all your current and future purchases via the Hub, signed in with your email and password

  • Downloadable files: Some Ingredients and Condiments include Excel workbooks you can download

Product Availability, Updates and Changes

How long you have access: When you buy an Ingredient, Condiment, Tool or bundle, you get access to that product through the ThriveableBiz Hub for as long as we operate the platform and continue to offer that product. We have deliberately not used the word “lifetime” because no business can honestly promise forever. What we can promise is genuine, ongoing access for as long as we are running.

Your completed work is always yours: Whatever you create inside an app (your answers, your worksheets, your exported files and workbooks) belongs to you. You can export it at any time and keep it permanently on your own device. Even if your access to the live app ends, the work you have exported remains yours. (This is about the content YOU add. The blank templates, frameworks and tools themselves remain ours under Section 6.)

Export before access ends: You can export your work at any time while you have access, and we suggest you do that before asking for a refund, because access ends when the refund is processed. If you miss that window, email us. We can send you a copy of your saved answers as a data file, in the same format the app exports, which you can import if you buy the product again.

Free updates and improvements: While you have access, you receive all updates and improvements we make to a product you own, at no extra cost. This includes bug fixes, content improvements, refreshed worksheets, and new features added to that same product.

Voice mode: When we add voice mode to the Ingredients, their price will go up. If you already own an Ingredient when voice mode arrives, you get voice mode for it at no extra cost.

New versions and complete rebuilds: From time to time, we may rebuild a product from the ground up and release it as a new product, for example, when technology changes, or we significantly redesign how it works. A rebuilt product released as a separate product (with its own listing and its own price) is a new purchase, not a free update. To be fair about this:

  • If a new version of a product you own is released within 30 days of your purchase, you get the new version free.

  • After 30 days, the new version is a separate purchase. We may, at our discretion and as a goodwill gesture, offer existing owners a free upgrade or a loyalty discount on a case-by-case basis. This is not an automatic entitlement.

If we stop selling a product: Everyone who already owns it keeps access. Withdrawal from sale only stops new purchases.

If we retire a product or end access: If we decide to retire a product or end access to the platform, we will give you at least 30 days’ notice by email so you can export and back up your work. After that notice period, live access to that product may end. Your previously exported files remain yours.

Your consumer rights: Nothing in this section limits your rights under the New Zealand Consumer Guarantees Act 1993 or, for Australian customers, the Australian Consumer Law.

Important Note About Downloaded Files:

Downloading files does NOT change your licence.

Some Ingredient and Condiment apps let you download an Excel workbook, and you can export your own data at any time. When you do:

  • The information you have entered (your answers and your completed work) is yours. You can keep it, use it for your own business, and move it between your own devices.

  • The workbook layout, templates, frameworks and methodology behind it remain ours (see Section 6).

  • You may not share, distribute, resell or publish our templates, frameworks or methodology, or use them to create competing products. All licence restrictions above still apply to our materials.

  • If your licence is terminated, you must stop using our templates and frameworks. Your own data remains yours.

Think of it like this: the workbook is yours to fill in and keep, but the Recipe behind it stays ours. You can cook with it for your own business; you cannot sell or share the Recipe.

What You Need to Use Our Products:

Our apps and the Hub run in your web browser. They work on:

  • iPhone and iPad with iOS or iPadOS 16.4 or newer (any browser)

  • Mac with Safari 16.4 or newer, or an up-to-date Chrome, Edge, or Firefox

  • Windows with an up-to-date Chrome, Edge, or Firefox

  • Android with an up-to-date Chrome or Samsung Internet

They don’t work on older iPhones and iPads that can’t update to iOS 16.4 (such as the iPhone 7, iPhone 6s, and older), or on older Macs unless you use Chrome or Firefox. Please check your device before you buy. An easy check is to open one of our free tools on it: if a free tool opens, our paid products will too.

Refunds: Change of Mind and Your Consumer Rights:

Your consumer rights come first. If you buy as a consumer, you have rights under the New Zealand Consumer Guarantees Act 1993 or, for Australian customers, the Australian Consumer Law, and nothing in these terms limits them. If a product is faulty, not as described, or not fit for purpose, you are entitled to a remedy, which can include a refund. That applies whether or not you have accessed the content.

Change of mind: Our digital products are delivered as soon as you buy, so we do not give refunds if you simply change your mind, for example because your plans change or you decide you no longer need the product. Please read the product description and the device requirements above before you buy.

Goodwill exchange: If you contact us within 7 days of purchase and the product is genuinely not relevant to your situation, we’ll work with you to:

  • Recommend a more suitable product, or

  • Provide a one-time exchange for a different product of equal value

This is a goodwill gesture, not a legal obligation, and is evaluated on a case-by-case basis.

Device exception: If you bought a product without seeing these requirements, and it won’t open on any device you have, contact us and we’ll refund you in full. Access to that product ends when the refund is processed.

If a refund is given: Where we do refund a purchase, whether under the Consumer Guarantees Act or as a goodwill gesture, access to that product ends when the refund is processed. Any answers you have saved to your account are not deleted. They stop appearing in documents you generate, and they return if you buy the product again. If you would rather we deleted them, email us and we will.

If we refund a bundle in full, access to every product in that bundle ends. If we refund only part of an order, we will confirm with you in writing which product the refund covers, and only that product’s access ends.

3A. Plated (Document Generations)

What Plated is: Plated takes the documents the Hub already builds from your answers and rewrites them so they read cleanly end to end. It is the same content, the same figures and the same decisions, written better. It is optional and it is paid.

What Plated will never do: Plated only ever uses facts and figures you entered yourself. It does not invent information, fill gaps with guesses, or add anything you did not provide. Where a section of your document is incomplete, it stays incomplete. Plated will not start a Business Plan unless at least half of its sections have something in them, and before it starts it tells you which sections are empty, so you do not use a generation on an almost empty document. For a Pitch Deck, Plated needs the cover, the customer and problem, and the solution to have something in them. Other slides can be empty and are marked To complete. Plated can also reword a goal you have set in the Hub, up to 3 times per goal and 30 times in total, and that does not use a generation.

What you are buying: Each purchase of Plated adds 30 generations to one pool on your account, as stated on the product page before you buy. The number you have left is shown in the Hub at all times. One generation is one time Plated writes a document for you, and you choose which document to spend it on.

Your generations do not expire. They stay on your account until you use them. When you run out, you can buy Plated again, which adds another 30 at the price listed at that time.

Downloading is free. When Plated finishes, your document downloads straight away. While you keep the page open you can change the colour or page size and download it again as often as you like, without using a generation. We do not keep a copy of your Plated document, so please save the file somewhere safe. If you close or refresh the page, or want the document on another device, you will need to generate it again, and that uses another generation.

Generating again uses a generation. If you change your answers, the English variant or the writing style, or you need the document again after leaving the page, that is a new generation. If Plated cannot finish your document, no generation is used. If you leave the page while Plated is still writing, the generation is used and the document is not delivered.

AI is involved, so check it. Plated uses artificial intelligence to do the rewriting. Like all AI it can make mistakes, including in how it phrases something you meant differently. Read your document before you rely on it, and especially before you give it to a bank, an investor or an adviser. The document is yours and so is the responsibility for what is in it.

If you are refunded: A refund of Plated ends access to any unused generations. Documents you have already generated and downloaded remain yours.

If we retire Plated: The 30 days’ notice in section 3 applies. If you hold unused generations when that notice is given, you may use them during the notice period, or ask us for a refund of the unused portion.

Generations are not transferable and cannot be moved to another account, in line with the single-user licence in section 3.

4. Free Tools and Our Use of AI

Reality Chat (Free Assessment)

The Reality Chat is a free service where you answer questions about your business idea. Your results will be delivered via email. Please check your spam or junk folder if you don’t receive it within 10 minutes, or reach out to [email protected] for support.

By using Reality Chat, you agree:

  • Your responses may inform improvements to our Ingredients (anonymised)

  • We’ll email you your assessment and the recommended Recipe

  • We may follow up via email to see if you have questions

  • You may opt out of further communication anytime

What we won’t do:

  • Share your information with third parties for their own use

  • Spam you with sales emails

  • Pressure you to buy anything

How Our Free Tools Use AI

We believe you should always know when you are working with AI. Here is the plain-English position for each free tool.

Reality Chat is AI-powered. Reality Chat uses artificial intelligence to respond to your answers, reflect back what stands out, and build your personalised Recipe. You are interacting with an AI assistant, not a person, and the words it produces are generated by AI. It is guidance to help you think. It is not professional, legal or financial advice, and like all AI it can get things wrong. Your own judgement stays in charge.

The Business Idea Generator is AI-powered. It uses artificial intelligence to turn the skills and background you enter into business ideas. Those ideas are generated by AI. They are prompts to spark your thinking, not recommendations or professional advice, and some will not fit you. Keep the ones that do. None of them has been tested against a real market, and an idea is not a business until you have found out whether people will pay for it. You do not need to give an email address to use it or to download your ideas. Where an idea mentions a trend, the trend line and its source come from a list we review each quarter. A trend is background, not proof that people will buy.

The Decision Tree is not AI. It is a simple rule-based tool that follows a fixed set of questions and pre-written answers we wrote ourselves. It does not use artificial intelligence and does not generate anything about you.

Where you will see this. Each AI-powered tool tells you it is AI-powered inside the tool itself, before you start, and labels the results it produces as AI-generated. This section records that practice. It does not replace the notice you see in the tool.

AI in Our Paid Products

Our Name & Identity tool uses AI to help generate business name ideas.

The documents the Hub builds for you are not AI-written. Your Business Plan and Operations Manual are assembled from your own answers, in your own words, exactly as you entered them. Nothing is rewritten and nothing is added.

Plated is the exception, and it is optional and paid. See section 3A.

Where AI is used, the same principles apply: the output is a starting point created by AI from your own inputs, not professional advice, and you stay in control of what you do with it. Our Privacy Policy explains how your information is handled when AI is used.

5. Email Support (Included with Ingredients)

Each Ingredient purchase includes email support:

What’s Included:

  • Questions about implementing the Ingredient in your specific business

  • Clarification on concepts or frameworks

  • Guidance when you’re stuck

  • Response within three business days (NZ time)

What’s NOT Included:

  • Requests to “just tell me what to do” without working through the Ingredient

  • Questions unrelated to the Ingredient you purchased

  • Ongoing business advice beyond the Ingredient scope

Duration: General implementation questions are supported for 12 months from the purchase date. After 12 months we will still help where we can, but support beyond that point is at our discretion rather than an ongoing entitlement.

6. Intellectual Property Rights

6.1 What Belongs to You:

  • Your answers, notes and completed work in every app, and the documents built from them.

  • Documents produced by Plated from your own answers. The writing is generated from your content, and the finished document is yours to use, share and rely on for your business, including with funders, banks and advisers. The templates, structure and methodology behind it remain ours under section 6.2.

6.2 What Belongs to Us:

  • All content on this website (text, images, design, code)

  • Our registered trademark: ThriveableBiz® (NZ Registered Trademark, owned by Engage4Insights Limited)

  • Our proprietary methodologies: the 7 Stages of Customers + Heart framework (from our book) and the Recipe System (our training approach and structure)

  • All Ingredients, Condiments and Tools frameworks and content, including our processes, templates, and tools (the blank versions in Ingredients), spreadsheets provided with some Ingredients, and our brand identity (ThriveableBiz® name, logo, tagline, visual identity)

All ThriveableBiz® assets are owned by Engage4Insights Limited. Judy Celmins operates ThriveableBiz® under Engage4Insights Limited.

6.3 Using Our Name and Brand:

You may reference that you’ve worked with ThriveableBiz® or taken our Ingredients in:

  • Your resume or LinkedIn profile (“Completed ThriveableBiz® Ingredients”)

  • Casual conversation or referrals

  • Professional networking contexts

You may NOT:

  • Use the ThriveableBiz® trademark in your business name, product names, or domain names

  • Claim to be affiliated with, endorsed by, or certified by ThriveableBiz® without written permission

  • Use our trademark to sell your own services or products

  • Modify, alter, or create variations of our trademark

  • Use our logo, brand colours, or visual identity in your materials

  • Imply a relationship, partnership, or sponsorship that doesn’t exist

  • Use ThriveableBiz® in any way that could cause confusion about the source of goods or services

Proper trademark usage:

  • Acceptable: “I completed the ThriveableBiz® Customer Discovery Ingredient”

  • Acceptable: “I worked with Judy Celmins from ThriveableBiz®”

  • Not acceptable: “Certified by ThriveableBiz®” (unless we’ve given written certification)

  • Not acceptable: “ThriveableBiz® Consulting” as your business name

  • Not acceptable: using our logo on your website

If you want to use our trademark in marketing materials or in a more prominent way, contact us for written permission: [email protected]

6.4 Testimonials and Case Studies:

We may request permission to use your success story as a testimonial or case study. We’ll always:

  • Ask permission first

  • Let you review before publishing

  • Anonymise details if requested

  • Remove it if you change your mind

6.5 Trademark Notice and Protection

ThriveableBiz® is a registered trademark in New Zealand.

Registration details:

  • Trademark: ThriveableBiz®

  • Status: Registered in New Zealand

  • Owner: Engage4Insights Limited

  • Class: 9, 16, 35 and 41

Unauthorised use of our trademark is prohibited and may result in:

  • Immediate cease and desist notice

  • Legal action for trademark infringement

  • Claim for damages and legal costs

  • Referral to IP enforcement authorities

Other proprietary names:

  • Recipe System: our training approach and structure

  • 7 Stages of Customers + Heart: framework from our published book

If you become aware of unauthorised use of our trademarks: Please notify us immediately at [email protected] so we can take appropriate action.

Domain protection: We own and protect thriveablebiz.com, thriveablebiz.co.nz, thriveablebiz.nz and thriveablebiz.com.au, as well as related variations. Registration of confusingly similar domains is trademark infringement.

7. Confidentiality of Your Business Information

Your Business Ideas Remain Yours

When you share business information with us, whether through Reality Chat, email support, or any other service, we treat that information as confidential.

This section protects YOUR proprietary business information.

7.1 What Information Is Confidential

“Confidential Information” includes any business information you share with us that:

  • Relates to your business idea, concept, or innovation

  • Would give you a competitive advantage if kept private

  • You reasonably expect to be kept confidential

  • Is marked or identified as confidential

Examples of Confidential Information:

  • Your specific business concept or business model

  • Proprietary processes, methods, systems, or approaches

  • Market research or insights you’ve gathered

  • Customer lists, supplier relationships, or partnerships

  • Pricing strategies, financial projections, or revenue models

  • Product formulas, recipes, or technical specifications

  • Marketing strategies or campaign plans

  • Business plans, pitch decks, or funding applications

  • Any other non-public business information

What is NOT Confidential Information:

  • Information already publicly available (published online, in media, etc.)

  • Information we already knew before you told us (can be demonstrated)

  • Information you’ve told us we can share (with explicit written permission)

  • General business principles or strategies (not your specific application)

  • Information we’re legally required to disclose

7.2 Our Confidentiality Obligations

We agree to:

  • Not disclose your Confidential Information to third parties without your written permission

  • Not use your Confidential Information for our own commercial benefit

  • Protect your information with the same care we protect our own confidential business information

  • Limit access to Judy only (and essential staff under confidentiality agreements)

  • Store securely using industry-standard security measures

  • Return or destroy your Confidential Information upon request (after service completion)

We will NOT:

  • Share your business ideas with other clients

  • Use your concepts in our own business ventures

  • Incorporate your proprietary methods into our Ingredients (without permission and compensation)

  • Discuss your business details publicly or in group settings

  • Use your information to compete with you

7.3 Permitted Uses of Your Information

We MAY use your information in these limited ways:

1. To Provide Services You Purchased:

  • Assess your business idea (Reality Chat)

  • Respond to support questions

  • Create your custom Recipe recommendations

  • Provide the services described on our website

2. Anonymised Learning (All Identifying Details Removed): We may use anonymised insights from Reality Chat responses and client work to:

  • Identify common challenges entrepreneurs face

  • Improve our Ingredients and frameworks

  • Develop new training materials

  • Inform blog posts or educational content

Anonymisation means:

  • Your name, business name, and location are removed

  • Specific details that could identify you are changed or omitted

  • Only general patterns or trends are discussed

Example of proper anonymisation:

  • Acceptable: “Many service business founders struggle to price their services confidently”

  • Not acceptable: “Sarah from Auckland is starting a bakery specialising in [unique concept]”

3. Success Stories (With Your Explicit Written Permission Only): We may share your business story or results if:

  • You give us explicit written permission first

  • You review and approve what we’ll publish

  • You can request anonymisation of specific details

  • You can withdraw permission at any time

We’ll always ask. We’ll never assume.

4. As Required by Law: We may disclose Confidential Information if:

  • Required by court order or legal process

  • Necessary to comply with applicable law

  • Needed to protect our legal rights or safety

We’ll notify you first if legally permitted.

7.4 Your Responsibilities

You agree to:

  • Only share information you have the right to share (not someone else’s confidential info)

  • Mark clearly if something is particularly sensitive (though we treat all business info as confidential by default)

  • Understand we cannot “unsee” information once shared (choose carefully what you disclose)

If you’re concerned about sharing details:

  • You can describe your concept generally without specifics

  • You can request we sign a separate NDA before a detailed email exchange

  • You can wait until you’ve protected your IP (trademarks, patents) before sharing

7.5 Duration of Confidentiality

Our confidentiality obligations last:

  • While you are using our services, and

  • For 3 years after you stop using our services, and

  • Indefinitely for information that would cause you competitive harm if disclosed, constitutes trade secrets under NZ law, or you explicitly request extended confidentiality for

This means that even if you only use Reality Chat and never make a purchase, we still protect the business information you shared.

7.6 Separate NDAs Available

For high-value or particularly sensitive business information:

We offer a separate, more comprehensive Non-Disclosure Agreement (NDA) for any circumstance where standard confidentiality isn’t enough, including discussions involving patent-pending innovations.

To request an NDA:

  • Email [email protected] before sharing detailed information

  • We’ll provide our standard NDA template

  • Or we can review and sign your NDA template

  • No additional charge for an NDA

7.7 What Happens If Confidentiality Is Breached

If we breach confidentiality (disclose your information without permission):

You have the right to:

  • Request immediate cessation of disclosure

  • Seek damages for any harm caused

  • Terminate our services immediately

  • Pursue legal remedies under NZ law

Our liability for confidentiality breaches:

  • NOT limited by Section 9 (Limitation of Liability)

  • We are fully liable for damages caused by unauthorised disclosure

  • This includes actual damages, lost profits, and legal costs

We take confidentiality seriously. A breach would damage our reputation and violate our professional standards. It won’t happen.

7.8 No Obligation to Use Your Ideas

Important clarification:

Our confidentiality obligation means we won’t disclose or use your ideas without permission.

It does NOT mean:

  • We must avoid all businesses in your industry (unrealistic restriction)

  • We cannot work with others in similar markets (we serve many entrepreneurs)

  • We’re liable if someone else independently develops a similar concept

  • You can prevent us from using general business principles we already know

Example: If you tell us about your food truck concept, we:

  • CAN work with other food truck entrepreneurs (different concepts)

  • CAN teach general food truck business principles

  • CAN share anonymised insights about food truck challenges

  • CANNOT share YOUR specific concept, menu, location strategy, or proprietary approach

  • CANNOT start our own food truck using your exact concept

Your specific proprietary information is protected. General industry knowledge is not.

7.9 Confidentiality for Different Service Types

Reality Chat (Free):

  • Full confidentiality applies

  • We assess your idea privately

  • Results sent directly to you only

  • Information used only for your assessment and anonymised learning

Ingredients, Condiments and Tools (Self-Paced):

  • Confidentiality applies to support questions you email

  • We don’t share your specific implementation approaches

  • Your completed worksheets remain private to you

7.10 Questions About Confidentiality

If you’re unsure whether to share something:

  • Ask us first: [email protected]

  • We can clarify our confidentiality protections

  • We can sign additional NDAs if needed

  • Better to ask than to worry

If you believe we’ve breached confidentiality:

  • Contact us immediately: [email protected]

  • We’ll investigate and respond within 48 hours

  • We’ll take corrective action if a breach occurred

  • We’ll work to remedy any harm caused

Confidentiality is foundational to our relationship. We protect your ideas as carefully as we protect our own.

8. Privacy and Data Protection

We take your privacy seriously.

Information We Collect:

  • Contact details when you use Reality Chat or make a purchase

  • Payment information (processed securely, not stored by us)

  • Website usage data (analytics to improve our site)

How We Use It:

  • Deliver the services and products you purchased

  • Respond to your enquiries

  • Send relevant updates (you can opt out anytime)

  • Improve our Ingredients based on feedback (anonymised)

What We Don’t Do:

  • Sell your information to anyone

  • Share your information with third parties for their own use

  • Share your business details publicly without permission

  • Send spam (we hate that too)

For full details, see our Privacy Policy at thriveablebiz.com/privacy-policy.

9. Limitation of Liability

Plain English: We provide digital products to the best of our ability; however, business involves risk, and we can’t control all outcomes.

What This Means:

We are NOT liable for:

  • Business decisions you make based on our content

  • Results from implementing (or not implementing) our recommendations

  • Lost revenue, profits, or opportunities

  • Indirect or consequential damages

  • Outcomes influenced by factors outside our control (market conditions, competition, etc.)

Our Maximum Liability: Limited to the amount you paid us in the 12 months before any claim.

What We ARE Responsible For:

  • Delivering the products you purchased

  • Providing the quality of work described on our website

  • Responding to your questions and concerns professionally

  • Acting in good faith and with reasonable care

Exception: Nothing in these terms limits liability for fraud, intentional misconduct, or matters that cannot be excluded by New Zealand law.

10. Termination and Suspension

We May Suspend or Terminate Your Access If:

  • You violate these terms (especially sharing paid Ingredients)

  • You use our content for commercial purposes without permission

  • You engage in harmful behaviour toward us

  • You attempt to hack, damage, or misuse our website

If We Terminate Your Access:

  • You lose access to any purchased Ingredients, Condiments and Tools

  • You must stop using all our materials immediately

  • No change-of-mind refunds for products already accessed. Your consumer rights in section 3 still apply.

Payment Disputes:

If you raise a payment dispute with your bank or card provider, your access continues while the dispute is being decided. If the dispute is decided in your favour, or the payment is reversed, access to the products on that order ends.

Cancelled and Failed Payments:

If an order is cancelled, or payment fails or is reversed, access to the products on that order ends. If you later complete the purchase, your access and your saved work return.

You May Cancel Anytime:

  • Stop using our website or services

  • Close your account (if applicable)

11. Warranties and Disclaimers

What We Warrant:

  • We have the right to provide these products

  • Our advice is based on 40 years of hands-on business experience and over 30 years mentoring startups

  • Our Ingredients are created with care and expertise

  • We’ll deliver what we promise

What We Don’t Warrant:

  • That our advice is perfect or error-free (we’re human)

  • That our methods will work for every business in every situation

  • That you’ll achieve specific financial results

  • That third parties (investors, grant agencies) will approve your plans

  • That our website will be available 100% of the time (we do our best)

Beyond what we promise above, we give no further warranties of our own, and how you use our products is your decision. This does not limit the guarantees you have under the New Zealand Consumer Guarantees Act 1993 or, for Australian customers, the Australian Consumer Law. Those guarantees apply whatever these terms say.

12. Disputes and Governing Law

Let’s Talk First:

If something goes wrong, please contact: [email protected]

We’re reasonable people and prefer to sort things out over a conversation (or coffee) rather than through lawyers. Most issues can be resolved quickly through honest communication.

Formal Disputes:

If we can’t resolve an issue informally:

  • New Zealand law applies to these terms

  • New Zealand courts have exclusive jurisdiction

  • You agree to first attempt mediation before litigation

  • Each party bears their own legal costs unless a court orders otherwise

Your Rights:

Nothing in these terms removes your rights under the New Zealand Consumer Guarantees Act 1993 or other consumer protection laws. If there’s a conflict, your statutory rights take precedence.

13. Changes to These Terms

We may update these terms occasionally to:

  • Reflect new products or services

  • Comply with legal requirements

  • Improve clarity

  • Address issues that arise

We’ll notify you of significant changes:

  • Via email, if you’re a customer

  • Via a prominent website notice for at least 30 days

  • Updated “Last updated” date at the top of this page

Continued use of our website or services after changes means you accept the updated terms.

If you disagree with the changes, please stop using our services and contact us to close your account (if applicable).

Entire Agreement:

These terms, together with our Privacy Policy, constitute the entire agreement between us.

Severability:

If any part of these terms is found to be invalid or unenforceable, the rest remains in effect.

Waiver:

If we don’t enforce a right immediately, that doesn’t mean we’ve waived it permanently.

Assignment:

You can’t transfer your rights under these terms without our written permission. We may assign our rights as needed for business purposes.

Independent Contractors:

We’re independent contractors, not partners, joint venturers, or employer/employee.

Force Majeure:

We’re not liable for delays or failures caused by circumstances beyond our reasonable control (such as natural disasters, pandemics, or internet outages).

15. Contact Us

Questions about these terms? We’re happy to clarify.

Email: [email protected]

Phone: +64 (0) 21 277 1232

Address: PO Box 443, Rangiora 7440, New Zealand

Business Name: ThriveableBiz (a registered trademark of Engage4Insights Limited)

Owner: Judy Celmins

Location: Rangiora, New Zealand

Your Acknowledgment

By using our website, taking Reality Chat, or purchasing our products, you acknowledge that:

  • You’ve read and understood these terms

  • You agree to be bound by them

  • You’re 18 years of age or older (our services are for adults only)

  • If purchasing on behalf of a business, you have the authority to do so

Thank you for choosing ThriveableBiz®. We look forward to working with you honestly and productively.

These terms are designed to be fair to both of us. If anything is unclear or concerns you, please ask before using our services. We’d rather clarify upfront than deal with confusion later.