Privacy Policy and Terms & Conditions

Privacy Policy

Last updated: 23 September 2025

This Privacy Policy explains how JoshComrie.com (“we”, “us”, “our”) collects, uses, and shares your information when you visit our website, buy digital or physical products, join courses, attend coaching, webinars or events, or otherwise interact with us. It also explains your rights and how to exercise them.

By using our website or services, you agree to this Policy.

1) Privacy Officer

Privacy Officer: Josh Comrie
Email: [email protected]
Address: Auckland, New Zealand

2) What we collect

Contact details: name, email, phone, postal address (for shipping).
Transaction details: billing details, payment confirmations, purchase history, orders.
Service use: course enrolments and progress, webinar/coaching registration and attendance, event participation.
Payment data: processed by Stripe via Kajabi—we don’t store full card numbers.
Usage data: IP address, device/browser, pages viewed, time on page, referring links.
Communications: enquiries, support requests, form submissions.
Marketing preferences: your newsletter opt-in/opt-out status.
Cookies/trackers: to run the site, understand usage, and (where permitted) for analytics/marketing (see Cookie Policy below).

3) How we use your information

Provide services: deliver digital products, courses, webinars, coaching; manage accounts; ship physical goods.
Process transactions: take payment via Stripe/Kajabi; issue invoices/receipts.
Operate and improve: site functionality, analytics, troubleshoot, prevent fraud.
Communicate: purchase confirmations, access links, reminders, updates.
Marketing: send newsletters and offers where you’ve consented or as permitted for existing customers (you can unsubscribe any time).
Legal/compliance: tax, accounting, reporting, and to respond to lawful requests.

4) Legal bases (EU/UK visitors)

Where EU/UK data protection law applies, we process personal data under:

Contract: to deliver what you purchased.
Legitimate interests: to run/improve services, secure the site, prevent fraud, and to market similar products to existing customers.
Consent: newsletters and non-essential cookies. You can withdraw consent at any time.

5) Sharing your information

We don’t sell or rent your data. We share it with:

Service providers: Kajabi (site/checkout/email/course delivery), Stripe (payments), Zoom (webinars), email/SMS and analytics providers, logistics/shipping partners.
Business partners: when co-hosting events or joint promotions (only what’s needed).
Authorities: if required by law or to protect rights/safety.
Successors: in a merger, acquisition, or asset sale (on equivalent protections).

We take reasonable steps to ensure providers protect your data.

6) International transfers

Some providers process data outside New Zealand (including the US/EU). Where required, we rely on appropriate safeguards (e.g., Standard Contractual Clauses) or equivalent mechanisms so protection is consistent with New Zealand law and, where applicable, EU/UK GDPR.

7) Your rights

New Zealand (Privacy Act 2020):

Request access to personal information we hold about you.
Request correction of inaccurate or incomplete information.

EU/UK (where applicable):

Rights above plus erasure, restriction, objection, portability, and withdraw consent (for example, marketing).
You can also complain to your local Data Protection Authority in addition to the NZ Office of the Privacy Commissioner.

How to exercise rights: email [email protected]. We may need to verify your identity. We aim to respond within 20 working days.

8) Retention

Transactions: at least 7 years (tax/accounting).
Courses/webinars/coaching: for the access period and reasonable administration thereafter.
Support tickets/communications: as needed to manage issues and maintain records.
Shipping records: for fulfilment and after-sales support.
Analytics: as set by tool/provider or until you opt out.

9) Security

We use appropriate technical and organisational measures (encryption in transit, access controls, least-privilege, monitoring). No system is 100% secure.

10) Children

Our services are for adults (18+). We don’t knowingly collect data from minors. If you believe a child has provided data to us, contact us to delete it.

11) Third-party links

We’re not responsible for third-party sites’ content or policies.

12) Privacy breaches

If a privacy breach is likely to cause serious harm, we will notify affected individuals and the Office of the Privacy Commissioner, and take steps to mitigate risk.

13) Updates

We may update this Policy; changes appear here with a new “Last updated” date.

Contact: [email protected]

Cookie Policy (summary)

We use cookies, pixels, and similar technologies to operate our site (necessary cookies), understand performance (analytics), and—where permitted—support marketing/retargeting.

Consent: We’ll ask for consent for non-essential cookies where required.
Manage preferences: Use our cookie banner or your browser settings to control cookies.
Tools we may use: Google Analytics/GA4, Meta Pixel, Kajabi cookies (for site/session), Stripe cookies (for checkout security).

Questions? Email [email protected].

Terms & Conditions

Last updated: 23 September 2025

These Terms govern your use of https://www.joshcomrie.com (the “Website”) and your purchase/use of our products and services, including digital products, online courses, webinars, coaching, events, and book pre-orders (the “Services”). By using the Website or Services, you agree to these Terms.

1) Who we are

“JoshComrie.com”, “we”, “us”, “our”.

2) Using the Website & Services

Use the Website and Services lawfully. Don’t attempt unauthorised access, disrupt operation, or introduce malware.

3) Accounts

You’re responsible for your login details. Notify us of any unauthorised use. We may suspend or terminate accounts for misuse or breach.

4) Purchases, pricing & taxes

Payments are processed securely via Stripe through Kajabi. We don’t store full card details.
Prices are in NZD and may include/exclude GST depending on the type of product/course which will be finalised during the offer..
International buyers are responsible for any local taxes/duties.
You agree to provide current and accurate purchase information.

5) Licence to digital products & access rules

Upon purchase of a digital product (e.g., ebook, template, course, webinar replay), we grant you a personal, non-exclusive, non-transferable licence for your own use during the stated access period (shown at checkout/product page).
You must not:

share accounts or logins;
copy, resell, redistribute, or publicly post our materials;
scrape or bulk-download content;
use our materials to train AI models or to build a competing product or course without our prior written consent.

We may update or modify features and schedule maintenance, using reasonable efforts to minimise disruption.

6) Coaching sessions & webinars

Delivered online (e.g., Kajabi/Zoom). You’re responsible for connectivity/device/software.
Rescheduling/no-show: you may reschedule coaching with ≥24 hours’ notice; no-shows are charged. Purchased sessions expire after 6 months unless otherwise stated.
Coaching is educational and developmental. It’s not therapy, legal, financial, investment, tax, or medical advice.

7) Recordings & publicity consent

Group sessions, webinars, events, and communities may be recorded. By joining, you consent to recording and grant us a worldwide, royalty-free licence to use, edit, and publish the recordings (including your image, voice, and contributions) for educational and promotional purposes. If you prefer not to be recorded, keep your camera/mic off and use chat, or contact us for alternatives.
1:1 coaching is not recorded without your explicit consent.

8) Pre-orders & shipping (physical products)

For physical copies, provide accurate shipping details. We share delivery information with logistics providers to fulfil your order.
Delivery times are estimates and can vary by location.

9) Refunds & cancellations

We aim to be fair and clear. Nothing here limits your rights under the Consumer Guarantees Act 1993 (CGA) where it applies.

Digital downloads (e.g., ebooks, templates): non-refundable once delivered, except as required by the CGA.
Courses / programs: unless stated otherwise at checkout, you may request a refund within 7 days of purchase provided you have not completed more than 20% of the course.
Live webinars / cohorts: tickets are transferable up to 48 hours before the event. If we cancel or materially reschedule and you can’t attend, you can request a refund.
Coaching: reschedule ≥24 hours in advance; no-shows are charged.
Pre-orders (physical book): refundable until shipped. After shipping, we’ll replace or refund defective or damaged copies.

Business purpose purchases: If you purchase the Services for business purposes, you agree the CGA does not apply.

10) No professional advice / no earnings guarantees

Our content is educational. It’s not legal, financial, tax, investment, medical, or other professional advice. Results vary. We don’t promise any particular outcomes or earnings.

11) Intellectual property

All Website/Services content (text, images, logos, videos, audio, course materials) is owned by us or licensed to us. Except as permitted by your licence in §5 or applicable law, you may not copy, adapt, distribute, or create derivative works without written permission.

12) Community conduct & user content

If you post or submit content (e.g., comments, community posts, Q&A):

You remain responsible for it and must not post unlawful, infringing, defamatory, hateful, confidential, or spam content.
You grant us a worldwide, royalty-free, sublicensable licence to host, use, reproduce, adapt, publish, and display that content to operate and promote the Services.
We may moderate, remove content, or suspend access for breaches.

13) Acceptable use / anti-scraping

You must not scrape, crawl, bulk-download, or otherwise extract content; attempt to bypass access controls; or use the Services to build or train competing products or AI models without written consent.

14) Chargebacks & abuse

If a payment is disputed or charged back, we may suspend access while we investigate. We may refuse service for fraud, abuse, or repeated breaches.

15) Limitation of liability

To the fullest extent permitted by law:

We’re not liable for indirect, incidental, special, or consequential losses.
Our total liability to you is limited to the amount you paid for the relevant Service.
Nothing excludes liability that cannot be excluded under New Zealand law.

16) Changes to these Terms

We may update these Terms; we’ll post the updated version with a new “Last updated” date. Your continued use after changes take effect means you accept them. If a change is materially adverse, you may stop using the Services and contact us if you need help winding down access.

17) Governing law

These Terms are governed by New Zealand law. The New Zealand courts have exclusive jurisdiction, subject to any non-waivable consumer protections that apply where you live.