These are terms and conditions of your enrolment with Business Wise First Aid Training. These terms and conditions, together with the student handbook, constitute the entire agreement between you and Business Wise First Aid Training

SUBMITTING YOUR OWN WORK
By agreeing to these terms and conditions, you declare that all assessment work you submit as part of this course is your own work and not contributed to in any way by any other person. If it is considered at any point that the work submitted using your provided login is not your own work, you will be immediately excluded from the course.

PURPOSE AND INTRODUCTION
These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least 14 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 14 years of age.

LICENSE TO USE THIS WEBSITE
Unless otherwise stated, Business Wise First Aid Training and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
republish material from this website (including republication on another website);
sell, rent or sub-license material from the website;
show any material from the website in public;
reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
edit or otherwise modify any material on the website; or
redistribute material from this website except for content specifically and expressly made available for redistribution.
Where content is specifically made available for redistribution, it may only be redistributed within your organisation.

ACCEPTABLE USE
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, root kit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Business Wise First Aid Training express written consent.
You must not use this website to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without Business Wise First Aid Training express written consent.

RESTRICTED ACCESS
Access to certain areas of this website is restricted. Business Wise First Aid Training reserves the right to restrict access to areas of this website, or indeed this entire website, at Business Wise First Aid Training discretion.
If Business Wise First Aid Training provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
Business Wise First Aid Training may disable your user ID and password in Business Wise First Aid Training sole discretion without notice or explanation.

USER CONTENT
In these terms and conditions, 'your user content' means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Business Wise First Aid Training or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
Business Wise First Aid Training  reserves the right to edit or remove any material submitted to this website, or stored on Business Wise First Aid Training servers, or hosted or published upon this website.
Notwithstanding Business Wise First Aid Training rights under these terms and conditions in relation to user content, Business Wise First Aid Training does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

NO WARRANTIES
This website is provided 'as is' without any representations or warranties, express or implied. Business Wise First Aid Training makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, Business Wise First Aid Training does not warrant that:
this website will be constantly available, or available at all; or
the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

LIMITATIONS OF LIABILITY
Business Wise First Aid Training will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
to the extent that the website is provided free-of-charge, for any direct loss;
for any indirect, special or consequential loss; or
for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if Business Wise First Aid Training has been expressly advised of the potential loss.

EXCEPTIONS
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Business Wise First Aid Training liability in respect of any:
death or personal injury caused by Business Wise First Aid Training negligence;
fraud or fraudulent misrepresentation on the part of Business Wise First Aid Training; or
matter which it would be illegal or unlawful for Business Wise First Aid Training to exclude or limit, or to attempt or purport to exclude or limit, its liability.

REASONABLENESS
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.

OTHER PARTIES
You accept that, as a limited liability entity, Business Wise First Aid Training has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Business Wise First Aid Training officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Business Wise First Aid Training officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Business Wise First Aid Training.

UNENFORCEABLE PROVISIONS
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

INDEMNITY
You hereby indemnify Business Wise First Aid Training and undertake to keep Business Wise First Aid Training indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Business Wise First Aid Training to a third party in settlement of a claim or dispute on the advice of Business Wise First Aid Training legal advisers) incurred or suffered by Business Wise First Aid Training arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

BREACHES OF THESE TERMS AND CONDITIONS
Without prejudice to Business Wise First Aid Training other rights under these terms and conditions, if you breach these terms and conditions in any way, Business Wise First Aid Training may take such action as Business Wise First Aid Training deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your Internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

VARIATION
Business Wise First Aid Training may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

ASSIGNMENT
Business Wise First Aid Training may transfer, sub-contract or otherwise deal with Business Wise First Aid Training rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

SEVERABILITY
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

ENTIRE AGREEMENT
These terms and conditions together with student handbook, constitute the entire agreement between you and Business Wise First Aid Training in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

LAW AND JURISDICTION
These terms and conditions will be governed by and construed in accordance with New South Wales law, and any disputes relating to these terms and conditions will be subject to the non-exclusive jurisdiction of the courts of NSW.

Business Wise First Aid Training
12 Daintree Close, Cardiff Heights NSW 2285 Ph: 1300 151181 Email: admin@bwfat.com.au

PAYMENT PROCESSING AND CREDIT CARD INFORMATION
The site you are visiting has been enabled for secure credit card payments processing using Secure Pay. All payment pages served by this website are secured by our own SSL certificate.

PCI DSS COMPLIANT
Your credit card details are passed directly to the merchant's bank without ever being stored on either their system or this website. At no time does this site handle your money because the transaction is between you and the merchant's bank. This website securely facilitates the transaction, protecting both you and the merchant and providing detailed reporting and invoice tracking numbers. If you wish to know more about the payment processing, please click on Contact Us.

CURRENCY
All payments and currency values on this website are in Australian Dollars.

In the course of its business, Business Wise First Aid Training may collect information from students or persons seeking to enroll with Business Wise First Aid Training, either electronically or in hard copy format, including information that personally identifies individual users.

Business Wise First Aid Training may also record various communications between individuals and Business Wise First Aid Training.

In collecting personal information Business Wise First Aid Training will comply with the requirements of the Australian Privacy Principles (APPs) set out in the Privacy Act 1988 (Cth) as amended by the Privacy Amendment (Enhancing Privacy Protection) Act 2012.

Collection and use of personal information
Business Wise First Aid Training will only collect personal information from individuals by fair and lawful means which is necessary for the functions of Business Wise First Aid Training.

Business Wise First Aid Training will only collect sensitive information with the consent of the individual and if that information is reasonably necessary for the functions of Business Wise First Aid Training.

The information requested from individuals by Business Wise First Aid Training will only be used to provide details of study opportunities, to enable efficient course administration, to maintain proper academic records and to report to government agencies as required by law.

If an individual chooses not to give Business Wise First Aid Training certain information then Business Wise First Aid Training may be unable to enroll that person in a course or supply them with appropriate information.

Disclosure of personal information
Personal information about students studying with Business Wise First Aid Training may be shared with the Australian Government and designated authorities, including the Australian Skills Quality Authority (ASQA), the Commonwealth Department with responsibility for administering the Higher Education Support Act 2003, and organisations that run courses in conjunction with Business Wise First Aid Training. This may includes personal and contact details, course and unit enrolment details and changes.

Business Wise First Aid Training will not disclose an individual’s personal information to another person or organisation unless

• The individual concerned is reasonably likely to have been aware, or made aware that information of that kind is usually passed to that person or organisation
• The individual concerned has given written consent to the disclosure
• Business Wise First Aid Training believes on reasonable grounds that the disclosure is necessary to prevent or lessen a serious and imminent threat to the life or health of the individual concerned or of another person
• The disclosure is required or authorised by or under law
• The disclosure is reasonably necessary for the enforcement of the criminal law or of a law imposing a pecuniary penalty, or for the protection of the public revenue.

Where personal information is disclosed for the purposes of enforcement of the criminal law or of a law imposing a pecuniary penalty, or for the purpose of the protection of the public revenue, Business Wise First Aid Training shall include in the record containing that information a note of the disclosure.

Any person or organisation that collects information on behalf of Business Wise First Aid Training or to whom personal information is disclosed as described in this procedure will be required to not use or disclose the information for a purpose other than the purpose for which the information was collected by them or supplied to them.

Security and integrity of personal information
Business Wise First Aid Training is committed to ensuring the confidentiality, security and integrity of the personal information it collects, uses and discloses.

Business Wise First Aid Training will take all reasonable steps to ensure that any personal information collected is relevant to the purpose for which is was collected, is accurate, up to date and complete.

Business Wise First Aid Training will store securely all records containing personal information and take all reasonable security measures to protect personal information it holds from misuse, interference, loss, unauthorised access, modification or disclosure.

Where Business Wise First Aid Training has no further use for personal information for any purpose disclosed by Business Wise First Aid Training, or is no longer required to maintain that personal information, all reasonable steps will be taken to destroy or de-identify the information.

Right to access and correct records
Individuals have the right to access or obtain a copy of the personal information that Business Wise First Aid Training holds about them. Requests to access or obtain a copy of personal information must be made in writing. There is no charge for an individual to access personal information that Business Wise First Aid Training holds about them, however Business Wise First Aid Training may charge a fee to make a copy.

Individuals will be advised of how they may access or obtain a copy of their personal information and any applicable fees within 10 days of receiving their written request. Where it is reasonable to do so, access to the information will be provided in the manner requested by the individual.

If an individual considers their personal information to be incorrect, incomplete, out of date or misleading, they can request that the information be amended. Where a record is found to be inaccurate, a correction will be made as soon as practical. Where an individual requests that a record be amended because it is inaccurate but the record is found to be accurate, the details of the request for amendment will be noted on the record.

There is no charge for making a request to correct personal information.

Written requests for access to, to obtain a copy of, or correct personal information held by Business Wise First Aid Training should be sent to

Business Wise First Aid Training
12 Daintree Close, Cardiff Heights NSW 2285

Complaints about an alleged breach of the Australian Privacy Principles
Where an individual believes that Business Wise First Aid Training has breached a Privacy Principle in relation to that individual they may lodge a complaint using Business Wise First Aid Trainings grievance handling procedures which enables students and prospective students to lodge grievances of a non-academic nature, including grievances about handling of personal information and access to personal records.

Publication
These Privacy and Personal Information Procedures will be made available to students and persons seeking to enrol with Business Wise First Aid Training by publication on Business Wise First Aid Training website: www.bwfat.com.au  Alternatively, a copy of this policy may be requested by contacting Business Wise First Aid Training using the contact details provided above.

In order to ensure that students have given their informed consent for their personal information to be disclosed to certain third parties as outlined in this procedure, Business Wise First Aid Training will advise students on enrolment about these procedures and where they are located.

Student fees are processed accurately and ethically to ensure all transactions are appropriately handled

If for any reason Business Wise First Aid Training is unable to fulfil its service agreement with a student, Business Wise First Aid Training must refund the student’s proportion of fees paid for services not delivered.

Fees and Invoicing
Student fees are payable when completing online enrolment or can be invoiced on completion of the course. 

Additional Fees
Students may be required to pay additional fees. A description of what fees may be applicable can be found in the Course Fees Schedule for that calendar year.

Invoices and Receipts
Invoices which have not been paid by the end of the month will receive a reminder of payment letter. Invoices which remain unpaid will result in legal action being undertaken.

Course Fees Schedule
The CEO is responsible for approving the Business Wise First Aid Training annual Course Fees.

This schedule includes

• Any discounts, fee reductions or exemptions available for multiple enrolments, concession card holders, continuing students, group bookings etc.
• The fees and charges for additional services, including such items as issuance of a statement of attainment, replacement qualification certificate or statement of results and the options available to students who are deemed not yet competent on completion of training and assessment;

The CEO is responsible for setting fees for that calendar year.

Request for Statement of Attainment hard copy
Students have an option of requesting a laminated hard copy of their Statement of Attainment (SOA) to be delivered by post. This request will incur an additional cost of $10 per SOA.

Replacement of text and training workbooks
Students who require replacement of issued text or training workbooks will be liable for additional charges to cover the cost of replacement.

Refunds
The following refund policy will apply

• Students needing to cancel their training must notify via email at bookings@bwfat.com.au giving a minimum of 24 hours notice or forfeit the total cost of fees.
• Discretion may be exercised by the CEO in all situations, if the student can demonstrate that extenuating or significant personal circumstance led to their withdrawal. The CEO may authorise transfer of training to another day or a refund of tuition fees if the circumstances require it.

Where refunds are approved, the refund payment must be paid to the student within 14 days from the time the student gave written notice to cancel their enrolment.

Refunds are to be paid via electronic funds transfer using the authorised bank account nominated by the student on the Application for Refund request form.

Keeping students informed
To ensure that students are well informed of the financial considerations of their enrolment, where possible, Business Wise First Aid Training undertakes to provide the following fee information to each student prior to, or at the time of enrolment

• Payment terms, including the timing and amount of fees to be paid and any non- refundable deposit / administration fee
• The total amount of all fees including course fees, administration fees, materials fees and any other charges
• Clear and outline how the fee is to be paid, when the fee is to be paid and associated fee for issue and reissue of qualification
• The nature of the guarantee given by Business Wise First Aid Training to complete the training and / or assessment once the student has commenced study in their chosen qualification or course
• Advised to students upon course booking
• Payable in full before issue of certificate of attainment unless prior arrangement made
• The fees and charges for additional services, including such items as issuance of a replacement qualification and the options available to students who are deemed not yet competent on completion of training and assessment
• Advised to students when making phone or email enquiries
• Details of fees are on Business Wise First Aid Trainings web page www.bwfat.com.au
• This refund policy

Student complaints about fees or refunds
Students who are unhappy with Business Wise First Aid Training arrangements for the collection and refunding of tuition fees are entitled to lodge a complaint. This should occur in accordance with Business Wise First Aid Training complaints policy and procedure.

NCVER Privacy Statement