Terms of Service

1. Acceptance of Terms

By creating an account or purchasing access to Fine Is a Lie, you agree to these Terms of Service. If you do not agree, please do not use our platform.

2. Age Verification

By creating an account or purchasing access to Fine Is a Lie, you represent that you are at least 18 years old. If we become aware that a user is under 18, we will terminate their account and delete their data.

3. Account Terms

• You are responsible for maintaining the security of your account credentials.
• You may not share your account or allow others to access the course content through your account.
• You must provide accurate information when creating your account.
• You are responsible for all activity that occurs under your account.
• When you purchase access without an existing account, we automatically create an account using the email address you provide during checkout. You are responsible for setting a password and maintaining the security of your account.

4. Payment & Pricing

• Fine Is a Lie is available as a one-time purchase of $197 (full payment) or a two-payment plan of 2 x $109 ($218 total). Everything is included regardless of payment option.
• The two-payment plan is processed as two scheduled charges via Stripe. Your bank or card statement may show this as a recurring or subscription charge. The second charge processes automatically approximately 30 days after your first payment. After the second charge, billing stops completely. No further charges will occur.
• If your second payment fails, we will email you a link to update your payment method through our payment provider. Your access continues while the payment is outstanding. We may suspend access for unresolved nonpayment under the Suspension and Termination section below, and where practicable we will contact you before doing so.
• All payments are processed securely through Stripe.
• All prices are listed in US Dollars (USD) and are the final amount charged. Your bank or card issuer may display an approximate amount in your local currency at checkout; the actual charge is in USD and your card issuer may apply a currency conversion fee. Prices may change for future purchases. Any price changes will not affect existing purchases.
• Tax treatment. 360 Maker (trading as Fine Is a Lie) is an Australian sole trader under the A$75,000 Goods and Services Tax (GST) registration threshold and is not registered for Australian GST. We are also not registered for VAT, sales tax, or equivalent consumption taxes in any other jurisdiction. No GST, VAT, or sales tax is included in the price or collected at checkout. Customers in jurisdictions that impose such taxes on digital purchases remain responsible for any personal tax obligations in their own country.
• Founder Pricing: Customers who purchase Fine Is a Lie at the founder price receive permanent access at that price for this product. If we release a major new version (v2 or later), Founders will receive preferential upgrade pricing at no less than 50% off the then-current price. Founder pricing is tied to your account and is non-transferable.
• You receive lifetime access to the full program. “Lifetime access” means access to the Course continues for as long as Fine Is a Lie is operated as a commercial service. If we discontinue the service, we will give you at least 12 months' notice and make all course content available for download in a standard format. If we discontinue the service on shorter notice, we will refund the purchase price you paid.

5. Refund Policy

60-Day Money Back Guarantee. Finish all 30 days. If you complete the program and don't think it was worth your money, email us within 60 days of purchase. We'll process a full refund to your original payment method within 7 business days. No forms. No hoops. No guilt trip. See our Refund Policy for full details.

Clinical-concern safety valve.If after purchase you realize the program isn't what you need right now, or a clinician tells you to pause or prioritize professional care, contact us for a refund regardless of how far into the 30 days you are. We don't ask questions in that situation. This is additive to the 60-Day Money Back Guarantee above. It does not replace it.

6. Acceptable Use

You agree not to:

• Copy, redistribute, or resell any course content.
• Use automated tools to scrape or download course materials.
• Attempt to circumvent access controls or security measures.
• Use the platform for any illegal or unauthorized purpose.
• Harass other users or submit harmful content through journal entries or other user-generated content features.
• Upload content that is illegal, harmful, threatening, abusive, defamatory, or otherwise objectionable through any file upload or content submission feature.
• Upload malware, viruses, or any other malicious code through file upload features.

You also agree not to upload, store, or transmit any content that:

• is unlawful, or that you do not have the right to upload;
• infringes any third party's copyright, trademark, or other intellectual property or privacy rights;
• depicts or relates to the sexual exploitation or abuse of a minor; or
• is malicious code.

We do not pre-screen or actively monitor User Content, but we may remove content and suspend or terminate accounts, at our discretion and where practicable with notice, when we become aware of a violation. Where we become aware of apparent child sexual abuse material, we will report it to the appropriate authorities as required by law.

7. Intellectual Property

All course content, including video lessons, exercises, text, graphics, and software, is the intellectual property of Fine Is a Lie. Your purchase grants you a personal, non-transferable license to access and use the content for your own self-development purposes.

Certain exercises and methodologies within the Course are inspired by or adapted from third-party frameworks. Attribution is provided within individual exercises. All third-party trademarks remain the property of their respective owners.

8. User Content

8.1 Your ownership.Content you create or upload within the platform, including journal entries, exercise responses, and images (your “User Content”), remains yours. We do not claim ownership of it.

8.2 License to operate the service. You grant 360 Maker a limited, non-exclusive, worldwide, royalty-free license to host, store, back up, reproduce, and process your User Content solely to operate, secure, and provide the service to you, and to let our service providers, such as our hosting and storage providers, do the same on our behalf. This license lasts only as long as needed to provide the service and to keep routine backups, and it ends when your User Content is deleted, subject to standard backup retention cycles. We do not use your User Content to train artificial intelligence models, and we do not sell it.

8.3 Your warranties. You represent and warrant that you own or have all rights necessary to your User Content, that it does not infringe or violate the intellectual property, privacy, or other rights of any third party, and that it does not violate any law or the Acceptable Use provisions above.

9. Copyright Complaints (DMCA)

We respect intellectual property rights. If you believe content on the platform infringes your copyright, send a notice to our designated agent at support@fineisalie.com with the subject line “DMCA Notice,” including: your physical or electronic signature; identification of the work claimed to be infringed; identification of the material and its location; your contact information; a statement that you have a good-faith belief the use is not authorized; and a statement, under penalty of perjury, that the information is accurate and that you are the owner or authorized to act on the owner's behalf. We will respond to valid notices, may remove the material, and will follow the counter-notification process in 17 U.S.C. Section 512. We terminate the accounts of users we determine to be repeat infringers.

10. Virtual Goods

XP points, badges, streaks, and other gamification elements within Fine Is a Lie have no monetary value and cannot be transferred, sold, or exchanged. These elements are provided solely to enhance your learning experience and may be modified or removed at our discretion.

11. Nature of the Service and Assumption of Risk

Fine Is a Lie is a self-guided personal development program. It was created from personal experience and independent research, not from clinical training, and its creator is not a licensed therapist, psychologist, or medical professional. The program is educational content. It is not therapy, counseling, crisis intervention, or medical, psychological, or financial advice, and it is not a substitute for care from a licensed professional. We do not guarantee specific results. You are responsible for how you choose to apply the program. If you are in crisis or need clinical care, contact a licensed professional or an emergency or crisis service. By using the service, you acknowledge these limits and accept responsibility for your own decisions and wellbeing while using it.

12. Warranty Disclaimer

The service is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or free of harmful components.

Australian Consumer Law: Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) or any other applicable consumer protection law that cannot be excluded, restricted, or modified by agreement.

To the extent permitted by section 64A of the Australian Consumer Law, our liability to you for a failure to comply with a consumer guarantee is limited, at our option, to resupplying the services or paying the cost of having the services resupplied.

13. Limitation of Liability

To the maximum extent permitted by applicable law, and subject to the Australian Consumer Law provisions above, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or relating to your use of the service, even if we have been advised of the possibility of those damages.

To the maximum extent permitted by applicable law, our total liability to you for all claims arising from or relating to your use of the service is limited to the amount you paid for the service.

14. Indemnification

You agree to indemnify and hold harmless 360 Maker (trading as Fine Is a Lie), and its owner, contractors, agents, and service providers, from and against any third-party claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or connected with your User Content, your use of the service, your violation of these Terms, or your violation of any rights of a third party. Nothing in this section requires you to indemnify us for liability that cannot be excluded under the Australian Consumer Law or other applicable consumer protection law.

15. AI-Assisted and Beta Features

Some features use AI-assisted technology, including synthesized voice narration and other AI-generated content. These features are provided on an as-is basis. Our public disclosure of what is and is not AI-assisted is available on our transparency page.

16. Changes to the Service

We may modify, add, or discontinue features of the service from time to time. Where a change would materially reduce the core functionality you purchased, the lifetime access commitment in the Payment & Pricing section applies.

17. Suspension and Termination

We reserve the right to suspend or terminate accounts that violate these terms. Where practicable, we will provide you with reasonable notice and an explanation of the reason for termination.

We may also suspend your access temporarily, where practicable with notice, to investigate a suspected violation of these Terms or a security or risk issue affecting the service or other users. We will restore access promptly if the concern is resolved.

We may suspend or restrict your access where a payment due under the Payment & Pricing section remains unresolved. Where practicable, we will contact you before doing so, and we will restore access once the payment is resolved.

• By you: You may delete your account at any time through your account settings or by contacting support.
• By us:We may terminate your account for breach of these Terms. We will endeavor to provide at least 14 days' notice except in cases of serious misconduct.
• Refund on unjust termination: If we terminate your account without cause, you will be entitled to a pro-rata refund based on your usage.
• Appeal: If you believe your account was terminated in error, you may appeal by contacting us at support@fineisalie.com within 30 days of termination.

18. Governing Law

These Terms are governed by the laws of Queensland, Australia. Any references to legislation include any amendments, re-enactments, or successor legislation.

The Arbitration Agreement in section 19 is governed by the Federal Arbitration Act. Non-excludable consumer-protection rights of your country and state of residence continue to apply.

19. Dispute Resolution and Arbitration Agreement

Please read this section carefully. It affects your legal rights, including your right to bring a lawsuit in court and to participate in a class action.

19.1 Informal resolution first. Before starting any arbitration or court proceeding, you agree to first contact us at support@fineisalie.com and give us 60 days to resolve your concern. Send a short written description of the dispute, your account email, and the outcome you want. Most concerns are resolved at this step, and this step is a precondition to arbitration.

19.2 Binding arbitration. If we cannot resolve the dispute informally, you and 360 Maker agree that any dispute arising out of or relating to these Terms or your use of the service will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules and, where applicable, its Consumer Mass Arbitration Supplementary Rules, as modified by this section. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. The arbitration may be conducted by telephone, by video, or in writing, or in person in the US county where you live if you request it.

19.3 Class action and jury waiver. You and 360 Maker agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. You and 360 Maker each waive the right to a trial by jury.

19.4 Small-claims exception. Either party may bring an individual claim in a small-claims court with jurisdiction, instead of arbitration, as long as the matter stays in that court and on an individual basis.

19.5 30-day right to opt out. You may opt out of this Arbitration Agreement (sections 19.2 and 19.3) by emailing support@fineisalie.com within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and your account email. Opting out does not affect any other part of these Terms. If you opt out, disputes are resolved under section 19.9.

19.6 Arbitration costs.For claims seeking less than $10,000, we will pay all AAA filing, administration, and arbitrator fees beyond the consumer filing fee set by the AAA Consumer Arbitration Rules, unless the arbitrator finds the claim frivolous or brought for an improper purpose. Each side pays its own attorneys' fees unless applicable law provides otherwise.

19.7 Mass filings. If 25 or more similar arbitration demands are filed by or with the coordination of the same or coordinated counsel, the parties agree the demands will be administered under the AAA Consumer Mass Arbitration Supplementary Rules, including any batching and bellwether procedures, to promote an efficient and fair resolution.

19.8 Severability of this section. If the class action and jury waiver in section 19.3 is found unenforceable, then the entirety of this Arbitration Agreement (sections 19.2 through 19.7) is null and void, and disputes will instead be resolved under section 19.9. The remaining provisions of these Terms stay in effect.

19.9 Court proceedings and residents of Australia, New Zealand, and Canada. Where this Arbitration Agreement does not apply, including where you have opted out, where section 19.8 voids it, or where the law of your country or state of residence does not permit mandatory arbitration or class waivers of consumer claims, disputes will be resolved by the courts of competent jurisdiction, and nothing in these Terms limits any non-excludable right you have to bring proceedings or claim remedies under the consumer-protection law of your place of residence. If you are a resident of Australia, New Zealand, or Canada, the arbitration and class-waiver provisions in sections 19.2 and 19.3 do not limit your rights under the Australian Consumer Law, the New Zealand Fair Trading Act 1986 and Consumer Guarantees Act 1993, or applicable Canadian provincial consumer-protection law, and you retain the right to pursue those non-excludable remedies in your local courts or tribunals.

20. Export and Sanctions Compliance

You represent that you are not located in, and are not a national of or ordinarily resident in, any country or region subject to comprehensive US sanctions, and that you are not on any US government restricted-party list. You agree not to use the service in violation of applicable export control or sanctions laws.

21. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from events beyond our reasonable control, including but not limited to natural disasters, pandemics, acts of government, internet outages, power failures, or third-party service disruptions.

22. Changes to Terms

We may update these terms from time to time. For material changes, we will provide at least 30 days' notice via email to your registered email address. If you do not agree to the updated terms, you may terminate your account before the changes take effect. Continued use of the platform after the effective date of any changes constitutes acceptance of the updated terms.

Changes to these Terms apply going forward only and do not affect any dispute that arose before the change took effect. If we make a material change to the Dispute Resolution section, and that section gives you a right to opt out, you will have a fresh 30-day period to exercise that opt-out, and the change will not apply to you if you opt out.

23. Accessibility

We are committed to making Fine Is a Lie accessible to all users. If you encounter any accessibility barriers while using our platform, please contact us at support@fineisalie.com and we will work to address the issue.

24. General Provisions

• Survival: The following sections survive termination of these Terms or your account: Intellectual Property, User Content, Copyright Complaints (DMCA), Nature of the Service and Assumption of Risk, Warranty Disclaimer, Limitation of Liability, Indemnification, Dispute Resolution and Arbitration Agreement, and General Provisions.
• Severability: If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
• Entire agreement: These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and Fine Is a Lie regarding the use of our platform.
• Assignment: We may assign or transfer our rights and obligations under these Terms without your consent. You may not assign or transfer your rights or obligations without our prior written consent.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• Notices: We may provide notices to you via email to your registered email address or by posting on the platform. Such notices shall be deemed received when sent by email or when posted on the platform.

25. Contact

For questions about these Terms of Service, contact us at support@fineisalie.com.

Business Name: 360 Maker | ABN: 44 137 669 949

26. Regional Availability

Fine Is a Lie is not currently available to visitors from the European Union, European Economic Area, Switzerland, or the United Kingdom. We use an edge-layer check to prevent access from these regions and do not collect, process, or retain personal data from visitors in these regions. If you are a resident of one of these regions and believe you have been served content in error, please contact support@fineisalie.com.