Our privacy policy

THE FINE PRINT

Terms & Conditions + Refund & Privacy Policy

Effective Date: 14 August 2025

Welcome to Happy Money Journey and Pea Be Co

This website and all related digital products are owned and operated by Phoebe Blamey, trading as Happy Money Journey (“we,” “us,” or “our”). By accessing or purchasing from this site, you agree to the terms below. We believe in being upfront, fair, and clear so let’s break it down.

General Advice

The information provided by Happy Money Journey and Phoebe Blamey is intended for general education and information purposes only. It does not take into account your individual financial situation, objectives, or needs.

While I share tools, strategies, and insights based on years of professional experience, this content is not financial advice, legal advice, or accounting advice. Before making any financial decisions or taking action, you should consider whether it’s appropriate for your personal circumstances and seek advice from a qualified professional.

Coaching, courses, and content provided through this platform are designed to empower and educate but they are not a substitute for personalised financial planning.

TERMS OF USE

1. Digital Products & Coaching Services

All courses, workshops, digital downloads, and coaching programs are for educational purposes only. We do not provide personalised financial advice—what we offer is guidance, tools, and frameworks to help you take control of your money.

2. Your Responsibility

We give you the map, but you drive the car. Your success depends on your commitment, decisions, and follow-through. We can’t make guarantees about results—but we’ll support you every step of the way.

3. Intellectual Property

All content, including text, graphics, video, audio, and course materials, are owned by Happy Money Journey. You may not copy, reproduce, or distribute any of our content without permission. Sharing is caring—pirating is not.

REFUND POLICY

We offer a 7-day money-back guarantee on all digital courses, starting from the day you first access the course content. If you’ve logged in, looked around, and realised it’s not for you, just email us at hello@happymoneyjourney.com.au within 7 days, and we’ll refund you—no guilt trips, no drama.

Refunds are not available for:

1:1 coaching sessions once they’ve been delivered
Group coaching programs after the first live call
Change-of-mind requests after the 7-day window

PRIVACY POLICY

We respect your privacy and promise to protect your personal information like it’s our own.

1. What We Collect

When you purchase a course or join our mailing list, we collect your name, email address, and (when needed) payment details. We use this information to deliver your services, send you updates, and occasionally, emails with tips, offers, and exciting things we think you’ll love.

2. Data Protection

We store your information securely and never sell or share it with third parties (unless it’s required to deliver your services like payment processors or Kajabi’s hosting platform).

You can unsubscribe from our emails any time by clicking the “unsubscribe” link at the bottom of any message, or by emailing us at hello@happymoneyjourney.com.au

QUESTIONS OR CONCERNS?

We’re here for you. If you have any questions about these terms, our courses, or your purchase, reach out to hello@happymoneyjourney.com.au and we’ll get back to you as soon as possible.