Terms of Service

1. Who we are

These Products and this website are operated by Phantom System ("we", "us", or "our"). You can reach us using the details in the "Contact us" section below.

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to purchase our Products. By placing an order you confirm that you meet this requirement and that the information you provide is accurate and complete.

3. The Products

Our Products are digital educational ebooks and supporting materials designed to teach general decision-making and reasoning skills. They are delivered electronically and are intended for your personal, non-commercial use.

4. Educational disclaimer — no professional advice

Our Products are for general educational and informational purposes only. They do not constitute financial, investment, legal, medical, or other professional advice, and they are not a substitute for advice from a qualified professional who understands your specific circumstances.

References to improving decision-making "statistically" describe evidence-based methods that research associates with clearer reasoning. Individual results vary, and we do not promise or guarantee any specific outcome, return, or result. You are solely responsible for the decisions you make and the actions you take.

5. Orders and pricing

• All prices are shown at checkout and may be subject to applicable taxes (including GST where relevant).
• We may change prices, Products, or promotions at any time, but changes will not affect orders already placed.
• An order is accepted once we confirm it and deliver access to the Product.
• We reserve the right to refuse or cancel any order, for example where we suspect fraud or an error in pricing.

6. Payment

Payments are processed securely by third-party payment providers. By submitting payment information you authorize the charge for your order. We do not store full payment card details on our servers.

7. Delivery and access

Products are delivered digitally, typically immediately or shortly after your payment is confirmed, via download link or account access. It is your responsibility to provide a valid email address and to ensure you can receive and open the files.

8. Refunds

We offer a 30-day money-back guarantee on our Products unless stated otherwise at the point of sale. To request a refund, contact us within 30 days of purchase using the details below. Refunds are returned to your original payment method. This guarantee is in addition to any rights you may have under applicable consumer law, including the Australian Consumer Law, which are not excluded by these Terms.

9. Licence and acceptable use

When you purchase a Product, we grant you a limited, non-exclusive, non-transferable licence to access and use it for your personal, non-commercial use. You agree not to:

• Copy, resell, sublicense, distribute, or publicly share the Products.
• Reproduce or republish the content, in whole or in part, without our written permission.
• Remove any copyright, trademark, or proprietary notices.
• Use the Products for any unlawful purpose or in any way that infringes the rights of others.

10. Intellectual property

All content on this website and in our Products — including text, graphics, logos, and the Phantom System name and branding — is owned by or licensed to us and is protected by copyright, trademark, and other laws. Except for the limited licence granted above, no rights are transferred to you.

11. Third-party links and platforms

Our website may link to third-party websites, services, or platforms that we do not control. We are not responsible for their content, products, or practices, and your use of them is at your own risk and subject to their own terms.

12. Disclaimer of warranties

To the maximum extent permitted by law, our website and Products are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that the website will be uninterrupted, error-free, or secure. Nothing in these Terms excludes or limits any guarantee, right, or remedy that cannot be excluded under applicable law, including the Australian Consumer Law.

13. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential loss, or for any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of our website or Products. Where our liability cannot be excluded but can be limited, our total liability is limited, at our option, to resupplying the Product or refunding the amount you paid for it.

14. Indemnity

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from your breach of these Terms or your misuse of our website or Products.

15. Termination

We may suspend or terminate your access to our website or Products if you breach these Terms. Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and indemnity — will continue to apply.

16. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Your continued use of our website or Products after changes are posted constitutes acceptance of the updated Terms.

17. Governing law

These Terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of that state, without affecting any mandatory consumer protection rights available to you in your place of residence.

18. Contact us

If you have any questions about these Terms, please contact us: