Terms & Conditions
Welcome to Oh Shit! We Need a New Plan!?
By accessing or using this website, you agree to these Terms & Conditions. If you don't agree with them, please don't use the website.
1. About this website
Oh Shit! We Need a New Plan!? is a personal website created and written by Jay.
The website shares personal stories, experiences, opinions, reflections and observations about life, family, work, ageing, planning for the future and navigating the unexpected.
The content is provided for general information, entertainment and personal reflection only.
2. Personal experiences and opinions
2. Personal experiences and opinions
The views expressed on this website are my own unless otherwise stated.
Nothing on this website is intended to constitute professional financial, legal, medical, psychological or other professional advice.
If something you read raises an issue relevant to your own circumstances, you should obtain appropriate professional advice.
3. Accuracy of Information
The views expressed on this website are my own unless otherwise stated.
Nothing on this website is intended to constitute professional financial, legal, medical, psychological or other professional advice.
If something you read raises an issue relevant to your own circumstances, you should obtain appropriate professional advice.
4. Copyright and use of content
Unless otherwise stated, the written content, original images, photographs, graphics, logos and other material published on this website belong to Jay or are used with permission.
You may read, share and link to content from this website for personal, non-commercial purposes, provided you credit Oh Shit! We Need a New Plan!? and do not alter or misrepresent the original content.
You must not reproduce, republish, sell, modify or distribute substantial portions of the website's content without my prior written permission.
If you would like to reproduce an article, photograph or other material, please contact me.
5. Comments and contributions
If comments or other forms of reader contribution are enabled, you are responsible for anything you submit.
Please be respectful. I reserve the right to remove comments or contributions that are offensive, abusive, defamatory, discriminatory, misleading, spam or otherwise inappropriate.
By submitting material to the website, you confirm that you have the right to submit it and that doing so does not infringe another person's rights.
I don't accept responsibility for opinions expressed by readers in comments or other user-generated content.
6. Other websites
The views expressed on this website are my own unless otherwise stated.
Nothing on this website is intended to constitute professional financial, legal, medical, psychological or other professional advice.
If something you read raises an issue relevant to your own circumstances, you should obtain appropriate professional advice.
7. Privacy
Your privacy matters.
Information collected through this website, including information provided when subscribing to the newsletter or contacting me, will be handled in accordance with the website's Privacy Policy.
Please read the Privacy Policy for more information about how personal information is collected, used and stored.
8. Newsletter
If you choose to subscribe to the Oh Shit! We Need a New Plan!? newsletter, you agree to receive emails from me relating to the website, new articles and other relevant updates.
You can unsubscribe at any time by using the unsubscribe link included in the emails.
9. Website availability
The views expressed on this website are my own unless otherwise stated.
Nothing on this website is intended to constitute professional financial, legal, medical, psychological or other professional advice.
If something you read raises an issue relevant to your own circumstances, you should obtain appropriate professional advice.
10. Limitation of liability
To the maximum extent permitted by law, I am not responsible for loss or damage arising from your use of, or reliance on, information published on this website.
However, nothing in these Terms & Conditions excludes, restricts or modifies any rights or remedies that cannot legally be excluded, restricted or modified under Australian law, including rights under the Australian Consumer Law where applicable.
11. Changes to these Terms
The views expressed on this website are my own unless otherwise stated.
Nothing on this website is intended to constitute professional financial, legal, medical, psychological or other professional advice.
If something you read raises an issue relevant to your own circumstances, you should obtain appropriate professional advice.
12. Australian law
These Terms & Conditions are governed by the laws of Australia and the applicable laws of New South Wales.
Any disputes arising in relation to this website will be dealt with in accordance with applicable Australian law.
13. Contact
If you have a question about these Terms & Conditions, the website or its content, please contact me through the Contact page.