Terms of Service

1. What these terms cover

These terms explain the basis on which Warren Granger, a sole trader trading as Claim Savvy (ABN 28 713 855 921), provides the Claim Savvy website, digital resources and educational activities. Read them with the description of the product you select, our Privacy Policy and our Disclaimer.

A product marked “Launching Soon” is not yet available to purchase. A preview or announcement does not give access to a product. When sales open, the terms and complete offer must be available for you to review before payment.

2. Educational scope

Claim Savvy helps people understand Australian home insurance concepts and organise their own information. We do not act as your insurer, insurance broker, claims advocate or claims handler. Buying a resource does not appoint us to represent you or communicate with an insurer for you.

Our materials and Q&A do not assess whether your particular loss is covered, calculate your entitlement or recommend how you should settle a claim. For individual advice, obtain help from an appropriately qualified or authorised professional. No claim outcome, settlement amount or processing time is guaranteed.

3. Products and inclusions

The range includes peril-specific PDF guides at $79 each and printable journals at $39 each. A matching $99 bundle includes one guide, one journal, three checklists and the advertised educational Q&A entitlement.

Check the specific product page before buying. It should identify exactly which guide, journal and checklists are included and any technical requirements. A PDF purchase supplies the described printable files; it does not include a posted printed copy.

4. Prices and payment

All prices are in Australian dollars and include GST. The price displayed is the total payable, including any unavoidable charges. GST is included in that price rather than added at checkout. Check your chosen product and email address before completing payment.

The listed guide, journal and bundle prices are one-off purchase prices. Any different payment arrangement would need to be clearly offered and separately agreed. Keep your order confirmation as a record of the product, price and inclusions you purchased.

When purchases become available, payments will be processed through Stripe. Your receipt, order confirmation and relevant access codes or delivery instructions are emailed after successful payment.

If you believe you were charged incorrectly or received a duplicate charge, contact hello@claimsavvy.com.au with the transaction reference. Do not send full card details.

5. Digital delivery and download access

Your order confirmation will explain how to access the purchased files. For purchases that include downloadable files, your download link will be available for 72 hours from successful payment. Save your files within that period and keep a backup you can access.

If the delivery message does not arrive, a file is missing or a download does not work, email hello@claimsavvy.com.au with your order reference and a brief description. If a link has expired, email us so we can check your purchase and the available way to restore access.

A download-link expiry is separate from your right to continue using copies you have downloaded under the licence below. It is also separate from any Q&A access entitlement. Link expiry does not remove any remedy available under Australian Consumer Law.

6. Your personal-use licence

When you purchase a resource, you receive permission to download, retain and print it for your own educational and claim-record use. You can print additional journal or checklist pages for your own records. You may share your own completed records, including relevant completed pages, with people helping you with your matter.

Please do not resell the resources, publish the source files, distribute blank copies to others or use them as a commercial product without permission. Sharing your own records does not authorise distributing the whole resource. This clause does not restrict uses permitted by law.

Ownership of the original educational content is not transferred by a purchase. The information you enter in a journal remains your information.

7. Educational Q&A

Where included in your bundle, the purchaser or homeowner receives lifetime access to fortnightly educational Q&A. Session details, booking arrangements and any rescheduling information will be provided with the service. Keep your entitlement information with your order confirmation.

Questions should be framed in general terms without policy numbers, addresses, medical details or other people’s private information. We may redirect a question that would require individual advice, claim assessment or representation. Please allow other participants to contribute and treat them respectfully.

Q&A access does not promise a personal consultation, private claim review, representation or a particular outcome.

8. Problems, refunds and consumer rights

If there is a problem with your purchase, contact hello@claimsavvy.com.au with your order number or other proof of purchase and a short explanation. Tell us which file or service is affected and the outcome you are seeking.

Australian Consumer Law may give you rights to a repair, replacement, refund, cancellation or compensation, depending on the circumstances. Nothing in these terms, our Disclaimer or a download condition excludes or limits rights or remedies that cannot lawfully be excluded.

Downloading a digital product does not by itself remove those rights. We do not offer refunds or exchanges simply because you change your mind. This does not affect any refund, cancellation or other remedy you are entitled to under Australian Consumer Law.

9. Responsible use and session conduct

Do not misuse the website, interfere with its operation, attempt unauthorised access or share another person’s private information without permission. Protect any access details supplied for your purchase.

If participation creates an immediate safety, privacy or disruption issue, we may pause the affected participation while the issue is addressed. Any restriction should be proportionate, explained where practicable, and reviewed fairly. A conduct issue does not automatically cancel all purchased benefits or remove statutory rights.

10. Updates and service changes

Your PDF purchase includes the edition supplied at the time of purchase. Future PDF editions and updates are not included. Updates to any mobile app are handled through the relevant app store under its applicable terms and requirements; this does not promise a particular update schedule or future feature.

Changes to these website terms will not retrospectively remove paid inclusions. If we cannot provide a purchased benefit, we will contact affected customers to explain the issue and address any replacement, cancellation or remedy required by law. We will not treat an undefined right to change our services as permission to erase an existing entitlement.

11. Questions and disputes

Claim Savvy is responsible for handling purchase concerns and complaints. Please email hello@claimsavvy.com.au if a term is unclear or you want to raise a concern. Include enough information to identify the issue, without sending unnecessary claim documents.

We will consider the concern and explain the proposed next step. Contacting us does not prevent you from seeking independent advice or using any complaint, tribunal or court process available to you.