Terms of Use and Sale

Effective date: 13 November 2026

Part A — General

1. Who you are dealing with

ryanbabbage.net (the "site") is run by Ryan Babbage, an individual trading as a sole trader in Australia (ABN 40 844 930 305, registered for GST). I am currently based in Thailand. When you buy anything through the site, your contract is with Ryan Babbage personally, and payment is made to me through my own Stripe account. It is not made with, or to, any company I am involved with. In these terms, "I", "me" and "my" mean Ryan Babbage, and "you" means the person using the site or buying from it (and, if you buy for an organisation, that organisation as well).

Email: [email protected]. Postal address: Suite 1208, 530 Little Collins Street, Melbourne VIC 3000, Australia.

2. How these terms work

These terms apply when you use the site (Part B), buy a product, report or service (Part C), or book and attend a session, clinic or program (Part D). The Privacy Policy, the Refund & Cancellation Policy and the Disclaimer also apply and form part of these terms. Before you pay, you will be asked to confirm that you accept these terms. The version in force when you buy applies to that purchase.

If you buy for a business or organisation, you confirm that you are authorised to accept these terms for it. You must be at least 18 to buy from the site.

3. Your rights under consumer law

Nothing in these terms excludes, restricts or changes any right or remedy you have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded. Where a term would do that, it does not apply to the extent of the inconsistency.

My goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract. Where a digital product is treated as goods, you are entitled to a replacement or refund for a major failure, and to have the goods repaired or replaced if they fail to be of acceptable quality and the failure does not amount to a major failure.

If you are a consumer in the United Kingdom, the European Union or another country, you also keep any rights under your local law that cannot be excluded, including any right to cancel described in the Refund & Cancellation Policy.

Part B — Using the site

4. Content on the site

The site contains essays and articles, free self-assessment tools, information about the book Money Has a Family Name, a shop and information about working with me. All content is general information and opinion. Please read the Disclaimer. I may change, suspend or remove any part of the site at any time. I try to keep the site accurate, but I do not promise that it will always be available, complete, current or error-free.

5. Acceptable use

When you use the site, you must not:

• break any law, or use the site to infringe anyone's rights;
• attempt to gain unauthorised access to the site, its hosting or any connected system, or interfere with its security or operation;
• introduce malicious code, or overload the site through automated requests;
• scrape, copy or harvest content or data in bulk, including to train artificial-intelligence models, without my written permission;
• submit false information, impersonate anyone, or sign other people up to the newsletter without their consent; or
• use the site, my content or my name in a way that suggests I endorse you or your products.

6. Intellectual property

All content on the site, including text, essays, the self-assessment tools and their questions, reports, toolkits, workbooks, perspective notes, diagrams, images and design, is © Ryan Babbage unless stated otherwise. The Gulf Decision™, Argued Properly™ and Five Capitals™ are used by me as trade marks. These terms protect my actual materials, not the general idea of different kinds of capital or of structured decision-making.

You may view the site, print or save pages, and print or save your own self-assessment summary, for your personal or internal business use. You may share short quotations with clear attribution and a link to the site. Any other copying, adaptation, republication, sale or commercial use needs my written permission.

7. Links to other sites

The site links to other websites, including Stripe's checkout pages, Cal.com booking pages and my separate site ryanbabbage.ai. Those sites have their own terms. I am not responsible for their content or practices.

Part C — Buying from the site

8. Prices and payment

Prices are shown in Australian dollars (A$) for buyers in Australia and in US dollars (US$) for buyers outside Australia. A$ prices include GST. US$ prices do not include Australian GST. If you buy for a business outside Australia, you are responsible for any VAT, GST or similar tax your country charges on imported services under a reverse-charge rule.

Where Stripe shows an approximate amount in your local currency, it is converted by Stripe, and the amount shown at checkout is the amount you pay. Your bank may charge its own foreign transaction fees. Some prices are marked "from"; the price that applies is the one confirmed at checkout or in a written proposal. Payment is taken at the time of purchase through Stripe, which emails your receipt. I do not see or store your full card details.

For paid reports, the currency follows the country you tell me you are buying from. If that country does not match your billing details, I may contact you to correct the price or tax treatment, and I will refund any amount overcharged.

9. Order acceptance

Your order is accepted when payment is completed and you receive a confirmation. I may decline or cancel an order, with a full refund, if a product is listed at an obvious pricing error, if a service is unavailable, or if I reasonably suspect fraud or misuse.

10. Digital products

Digital products (such as reports, toolkits, workbooks and, when available, the online edition of the book) are made available for download or online access immediately or shortly after payment. Unless the product page says otherwise, on purchase you receive a non-exclusive, non-transferable licence to use the product for the internal purposes of your organisation, or for your personal use if you buy for yourself. You may share it with people inside your organisation for that purpose. You may not resell, republish or upload it, or make it available to people outside your organisation, except your own professional advisers who are helping you with the matters it covers.

The Leadership Team Diagnostic Licence is governed by its written proposal.

11. Paid reports

The paid reports are the Strategy Durability, Capital Readiness, Offshore & Commercialisation and Reinvention & New IP deep-dive reports, sold individually or as any two of those four together, and the Five Capitals Diagnostic Plus.

• How they are produced. Each report is generated automatically from the answers you give in the matching self-assessment review, using a fixed method described on the site. It shows priority issues first, every statement and your answer, and practical next steps, and it points out where you should consult an accountant, financial adviser, lawyer or other specialist. There is no overall score. Reports are not reviewed by me before they are sent, although I may check a sample afterwards for quality.
• Your answers. You are responsible for the accuracy of the answers and the organisation name you give. The report reflects only those answers.
• Delivery. Your report is emailed to you as a PDF shortly after payment is confirmed.
• Two-report orders. If you have completed only one review, the second report is produced and emailed when you submit that review using your account link. Please submit it within 90 days of payment. I will remind you after 60 days. If it has not been submitted by day 90, I will refund the difference between the two-report price and the single-report price (A$220 or US$130).
• Downloads. While your report is kept, you can download it again through a sign-in link sent to your email address. Each link expires after 7 days, and you can request a new one.
• Deletion. Your answers and PDFs are deleted 90 days after payment. Please save your PDF.
• Five Capitals Diagnostic Plus includes a short pre-recorded film on each of the five capitals. The films are the same for every buyer.

12. Session discount code

When you buy a paid report, you receive a free promotional discount code by email. It is not sold separately and has no cash value.

• Value. The discount equals the price of your report order, in the same currency: A$319 incl. GST or US$190 for one deep-dive report; A$539 incl. GST or US$320 for any two (one code per order); or A$209 incl. GST or US$125 for the Five Capitals Diagnostic Plus.
• What it applies to. One Executive Decision Session (currently A$1,650 incl. GST or US$990) or one Decision Session Three-Pack (currently A$4,250 incl. GST or US$2,525). Enter the code when you pay. One code per purchase.
• Who can use it. You, or another person in your organisation.
• Expiry. The code must be used to pay within 30 days of your report payment. The exact expiry date and time are stated in your email in Australian Eastern time and Bangkok time. I will send one reminder 7 days before it expires.
• Single use. The code can be used once and cannot be exchanged for cash or used on any other product.
• Refunds. If your report order is refunded in full before the code is used, the code is cancelled and your downloads are disabled. If the code has already been used, a later report refund does not change the Session price you paid.

13. Pre-orders, waitlists and the book

Joining a waitlist, early-access list or "notify me" list (including for the online edition of Money Has a Family Name) is not a purchase and creates no obligation on either side. If a pre-order is offered with payment, the expected availability date and the cancellation

terms will be stated at checkout, and if I cannot deliver, you will receive a full refund. If physical editions are sold, delivery times, shipping charges and duties will be shown at checkout.

14. Refunds

Refunds and cancellations are dealt with in the Refund & Cancellation Policy, which forms part of these terms.

Part D — Sessions, clinics, workshops and programs

15. What is offered

Services provided under a separate written proposal or agreement are governed by that document. If it is inconsistent with these terms, that document takes priority, except that it cannot remove your rights under the Australian Consumer Law.

16. Booking

After paying for a Session or Three-Pack, you choose a time through Cal.com or by email. Clinic seats are for the date shown at purchase, and your seat confirmation is emailed. Times are confirmed in your time zone. Sessions are held online unless agreed otherwise. You are responsible for a reliable internet connection and a suitable, private place to talk.

17. Rescheduling and cancellation

Rescheduling, cancellation, late changes, non-attendance and Three-Pack expiry are dealt with in the Refund & Cancellation Policy.

18. Nature of the service

Sessions, clinics, workshops, Strategy Days, The Gulf Decision, perspective notes and paid reports are strategy facilitation, structured thinking and education. I help you clarify and test a business decision, and I will deliver what you have bought with due care and skill.

I do not provide financial product advice, investment, legal, tax, accounting, migration or other regulated professional advice. I do not hold an Australian financial services licence, and I do not recommend particular financial products, securities or investments. I do not act as your broker, agent or representative in any transaction. You remain responsible for your decisions. Where a matter needs specialist advice, you should obtain it from an appropriately qualified and, where required, licensed professional.

19. Your conduct in sessions

I may end a session, or decline a booking with a refund for any undelivered portion, if a participant behaves abusively, unlawfully or in a way that makes the session unsafe or unworkable for others.

20. Confidentiality

I will treat what you share in a session, clinic or program, and the answers in your paid reports, as confidential. I will use them only to deliver the service, except where disclosure is required by law, is needed to the service providers named in the Privacy Policy, or you agree otherwise. This obligation continues after our engagement ends.

In group formats such as the Decision Clinic, you agree when booking to keep other participants' information confidential and not to record, screenshot or transcribe the session, including with AI tools. I cannot guarantee how other participants behave, so please share accordingly. Please do not share information you are not permitted to disclose, such as information covered by a non-disclosure agreement or inside information about a listed entity.

21. In-person programs and travel

For in-person workshops and The Gulf Decision, participants are responsible for their own travel, visas, entry requirements, travel insurance, health requirements and personal belongings, unless the written agreement says otherwise. Participants must follow local laws and customs and venue rules. Venues, transport and hospitality are supplied by third parties under their own terms, and I do not book travel or accommodation on your behalf.

Part E — Liability and legal matters

22. Limitation of liability

This clause is subject to clause 3, which protects your rights that cannot be excluded.

• The site, the free tools and the free content are provided for general information, without payment and without any promise beyond what the law requires.
• I am not liable for any decision you make, or for loss arising from your reliance on the site, a report or a session, except to the extent the loss is caused by my failure to take reasonable care or by my breach of these terms.
• I am not liable for indirect or consequential loss, or for loss of profit, revenue, opportunity, data or goodwill, unless the law does not allow this to be excluded.
• My total liability to you in connection with a purchase is limited to the amount you paid for that product or service. This limit does not apply to liability that cannot be limited by law, or to loss caused by my fraud or wilful misconduct.

Where you acquire goods or services that are not of a kind ordinarily acquired for personal, domestic or household use, and the Australian Consumer Law allows me to limit my liability for failing to meet a consumer guarantee, my liability is limited, at my option, to supplying the services again or paying the cost of having them supplied again (for services), or replacing or repairing the goods or paying the cost of doing so (for goods).

23. Indemnity

If you use the site or my content for a business in breach of Part B, you are responsible for loss you cause me as a result of that breach. This clause does not apply to you if you are acting as a consumer for personal purposes.

24. Events beyond my control

I am not responsible for delay or failure caused by events outside my reasonable control (such as illness, internet, email or platform outages, travel disruption or government action). In that case I will offer a new time or redelivery or, if that is not possible, a refund for anything not delivered.

25. Complaints and disputes

If something has gone wrong, please contact me first at [email protected]. I will acknowledge your complaint within two business days and try to resolve it promptly and in good faith.

26. Governing law and jurisdiction

These terms are governed by the law of Victoria, Australia. Each party submits to the non-exclusive jurisdiction of the courts of Victoria and the courts that can hear appeals from them. If you are a consumer living outside Australia, you also keep the protection of the mandatory laws of your country of residence, and you may bring proceedings in your local courts where that law allows.

27. General

If any part of these terms is invalid or unenforceable, the rest continues to apply. If I do not enforce a right straight away, I have not waived it. You may not transfer your rights under these terms without my consent, except as allowed for discount codes in clause 12. I may update these terms; the version in force when you buy applies to that purchase.

28. Contact

Ryan Babbage, sole trader, ABN 40 844 930 305

Email: [email protected]

Post: Suite 1208, 530 Little Collins Street, Melbourne VIC 3000, Australia