Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the Make The Most Of Today (“MTMOT”, “we”, “us”) website, apps, digital products and subscriptions (together, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

1. Who we are

The Services are operated by Carla Taylor trading as Make The Most Of Today, based in Victoria, Australia. You can reach us at [email protected].

2. Not professional advice

MTMOT is a personal-growth, confidence and reflection companion. The Services, including any content generated by CJ or other AI companions, are provided for general informational and supportive purposes only. They are not a substitute for professional medical, psychological, clinical, legal or financial advice, diagnosis or treatment, and no practitioner-client or professional relationship is created by your use of the Services. Always seek the advice of a qualified professional with any questions you may have regarding your health or a medical or other condition. If you are experiencing a crisis or emergency, contact your local emergency services immediately.

3. Eligibility and accounts

You must be at least 18 years old to use the Services. You are responsible for keeping your login details secure and for all activity under your account. Please tell us promptly if you believe your account has been accessed without your authorisation.

4. Subscriptions, billing and renewals

• Access to certain Services is provided on an annual subscription that renews automatically at the end of each subscription period unless cancelled before the renewal date.
• Payments are processed by our third-party payment providers (including Payhip as merchant of record and Stripe). Prices are shown at the point of purchase and may be charged in USD for international convenience; applicable taxes are handled by the payment provider.
• You can cancel at any time to stop future renewals; cancellation takes effect at the end of the current paid period, and you retain access until then.

5. Refunds

Refunds are handled in accordance with our Refund Policy. Nothing in these Terms limits any rights you may have under the Australian Consumer Law or other applicable consumer protection laws.

6. Acceptable use

You agree not to:

• use the Services for any unlawful, harmful or abusive purpose;
• attempt to gain unauthorised access to the Services, other accounts, or our systems;
• interfere with, overload, scrape or disrupt the Services or attempt to circumvent any usage, rate or security limits;
• resell, redistribute or share your access, or use the Services to build a competing product.

7. Your content and our content

You retain ownership of the information and entries you provide. You grant us a limited licence to process that information to operate and improve the Services for you. All MTMOT materials, including course content, workbooks, software and the CJ persona, remain our intellectual property and may not be copied, reproduced or distributed without our written permission.

8. Disclaimers and limitation of liability

The Services are provided “as is” and “as available”. To the fullest extent permitted by law, we exclude all warranties not expressly stated in these Terms and are not liable for any indirect, incidental or consequential loss arising from your use of the Services. Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.

9. Termination

You may stop using the Services at any time. We may suspend or terminate access if these Terms are breached or where necessary to protect the Services or other users.

10. Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected by an updated effective date, and your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

11. Governing law

These Terms are governed by the laws of the State of Victoria, Australia, and you submit to the non-exclusive jurisdiction of the courts of that State.

12. Contact

Questions about these Terms? Email [email protected].