Terms and Conditions

Last updated: 29 July 2026

These Terms and Conditions govern your use of the Forty & Forward website, online community, free resources, programmes, digital products and related services.

By accessing our website, creating an account, joining our community, registering for a resource or purchasing a product or programme, you agree to these Terms and Conditions.

If you do not agree with these terms, please do not use our website or services.

1. About Forty & Forward

Forty & Forward is an online holistic wellness education business supporting women aged 40 and over. It was co-created by Jasna Kosovac, Michelle Lipscomb and Dr Slavica Praporski.

We provide educational resources, the free 6-Day Midlife Reset, the Forty & Forward Sisterhood online community, paid wellness programmes, digital resources and live online Q&A and Support Sessions.

2. General Wellness Education

Our website, programmes, community discussions, videos, downloadable materials and live sessions provide general wellness education and support.

They are not intended to:

• provide medical advice;

• diagnose, treat, cure or prevent any illness or medical condition;

• replace advice from a doctor or other qualified healthcare professional;

• provide individual psychological, medical or emergency care.

Always seek appropriate professional advice regarding your health, symptoms, medications or treatment. Do not delay or disregard medical advice because of information provided by Forty & Forward.

If you believe you are experiencing a medical or mental health emergency, contact your local emergency service or an appropriate healthcare professional immediately.

3. Eligibility

Our website, community and programmes are intended for adults.

By creating an account, joining the community or purchasing a programme, you confirm that:

• you are at least 18 years old;

• the information you provide is accurate;

• you have the legal capacity to agree to these terms;

• you will use our services lawfully and responsibly.

4. Accounts and Login Details

Some resources and services require an account.

You are responsible for:

• providing accurate registration information;

• keeping your login details confidential;

• activities conducted through your account;

• notifying us promptly if you suspect unauthorised access.

Your account is personal to you. You must not share access to paid programmes or members-only resources with another person unless we have given written permission.

5. Free Resources and Programmes

We may offer free resources, challenges, workshops, community access or introductory programmes, including the 6-Day Midlife Reset.

Free offerings may be changed, updated, suspended or withdrawn. We do not guarantee that a free resource or programme will remain available indefinitely.

Accessing a free resource does not create a practitioner-client, doctor-patient, therapist-client or other professional healthcare relationship.

6. Paid Programmes and Digital Products

The features, inclusions, delivery period, price and access conditions for a paid programme or digital product will be described on the relevant sales or checkout page.

Programme inclusions may include:

• educational videos;

• workbooks and downloadable resources;

• meal plans and recipes;

• community access;

• live online Q&A and Support Sessions;

• other resources described at the time of purchase.

Additional programme-specific terms displayed before purchase form part of your agreement with Forty & Forward.

7. Prices and Payments

Prices will be displayed before you complete a purchase. Prices may be shown in Australian dollars or another clearly identified currency.

Payments are processed through a third-party payment provider integrated with the Ivory platform. By making a purchase, you also agree to the payment provider’s applicable terms.

You agree to provide accurate payment and billing information and authorise the payment provider to process the amount shown at checkout.

If a payment fails, access to a paid programme or resource may be temporarily suspended while the payment issue is resolved.

8. Payment Plans

Where a payment plan is offered, the number, amount and timing of instalments will be displayed before purchase.

Any cancellation options, continuing payment obligations and consequences of a failed payment must be clearly disclosed at checkout or in the programme-specific terms.

We will not impose undisclosed charges or remove rights available to you under applicable consumer law.

9. Cancellations and Refunds

Any voluntary cancellation or refund policy applying to a particular programme will be displayed on the relevant sales or checkout page before purchase.

Unless the applicable offer states otherwise, we are not required to provide a refund solely because you:

• changed your mind;

• did not complete the programme;

• did not attend a live session;

• did not use the resources;

• expected a particular personal result that was not guaranteed.

However, nothing in these terms excludes, restricts or modifies rights or remedies that cannot lawfully be excluded, including rights under the Australian Consumer Law where it applies.

If a product or service has a major problem, is materially different from its description or fails to meet an applicable consumer guarantee, you may be entitled to an appropriate remedy.

To request a cancellation or raise a concern about a purchase, contact [email protected].

10. Programme Results

Health and wellbeing outcomes differ between individuals.

Your results may be influenced by your health, circumstances, participation, consistency and other factors outside our control.

Testimonials and participant stories represent individual experiences. They do not guarantee that you will achieve the same or similar results.

We do not promise weight loss, symptom resolution, improved medical results or any other specific outcome.

11. Live Sessions

Live Q&A and Support Sessions are educational and supportive group sessions. They are not private medical or psychological consultations.

Please avoid sharing highly sensitive personal or medical information in a group setting.

Session dates, times and presenters may occasionally need to change. Where practical, we will provide reasonable notice of material changes.

Sessions may be recorded only where participants have been informed. Any recording and access arrangements will be explained before or at the beginning of the session.

12. Community Participation

The Forty & Forward Sisterhood is intended to be a respectful and supportive space.

When participating, you agree not to:

• harass, threaten, shame or discriminate against another person;

• post abusive, defamatory, hateful or unlawful material;

• give another member medical diagnoses or unsafe treatment instructions;

• pressure members to purchase products or services;

• promote unrelated businesses without permission;

• post spam or misleading information;

• share another member’s private information;

• copy or distribute private community discussions;

• upload content that infringes another person’s rights;

• interfere with the security or operation of the platform.

We may moderate or remove content that breaches these standards. Serious or repeated breaches may result in temporary or permanent removal from the community.

Where appropriate, we will act reasonably and consider the circumstances before suspending or terminating access.

13. Information Shared by Members

You retain ownership of content you create and post.

By posting content in our community, you give Forty & Forward a limited permission to host, display and technically process that content for the purpose of operating the community and providing the service.

Information posted in shared community spaces may be visible to other members. Do not post anything you would not want other members to see.

You must not copy, photograph, record, publish or distribute another member’s content outside the community without their permission.

14. Intellectual Property

Unless otherwise stated, the website and all Forty & Forward materials are owned by or licensed to Forty & Forward.

This includes:

• programme videos;

• presentations;

• workbooks;

• worksheets;

• recipes and meal plans;

• written content;

• graphics and branding;

• downloadable resources;

• course structures and teaching materials;

• audio and recorded sessions.

When you receive access to our materials, we grant you a limited, personal, non-exclusive and non-transferable licence to use them for your own personal and non-commercial purposes.

You must not, without written permission:

• copy or reproduce our materials for distribution;

• sell, licence or commercially exploit them;

• upload them to another website or platform;

• share paid resources or login access;

• use them to create a competing programme;

• remove copyright or ownership notices;

• record or redistribute paid sessions.

15. Acceptable Website Use

You must not use our website or platform to:

• break any law;

• introduce malware or harmful code;

• attempt unauthorised access;

• interfere with website security;

• collect information about other users without permission;

• impersonate another person;

• send spam;

• engage in fraudulent or misleading activity.

16. Third-Party Services and Links

Our website and programmes may contain links to third-party websites, tools, payment services, video platforms or resources.

We do not control third-party websites or their privacy, security, content or availability. Accessing a third-party service is subject to that provider’s terms and policies.

A link does not necessarily mean that Forty & Forward endorses every statement, product or service offered by the third party.

17. Website and Platform Availability

We aim to keep our website, community and programme materials reasonably available. However, uninterrupted access cannot be guaranteed.

Access may occasionally be interrupted because of:

• maintenance;

• updates;

• technical problems;

• internet or hosting failures;

• cybersecurity concerns;

• circumstances beyond our reasonable control.

We will take reasonable steps to address disruptions and communicate significant issues where practical.

18. Suspension or Termination of Access

We may suspend or terminate access where a user:

• seriously or repeatedly breaches these terms;

• shares paid materials or account access without permission;

• threatens the safety or privacy of another member;

• engages in fraud or unlawful conduct;

• materially disrupts the community or platform.

We will act reasonably and, where appropriate, provide notice and an opportunity to respond.

Termination of access does not remove any rights or remedies available under applicable consumer law.

19. Privacy

Our collection and handling of personal information are explained in our Privacy Policy.

By using our website and services, you acknowledge that personal information will be handled as described in that policy.

20. Disclaimer of Warranties

We make reasonable efforts to ensure our educational content is accurate and up to date. However, wellness information develops over time, and individual needs and circumstances differ.

To the extent permitted by law, we do not guarantee that:

• all content will always be complete or current;

• the website will be uninterrupted or error-free;

• our resources will be suitable for every person;

• participation will produce a particular health, wellbeing or financial result.

Nothing in this section excludes any guarantee, warranty or right that cannot lawfully be excluded.

21. Limitation of Liability

To the extent permitted by law, Forty & Forward and its facilitators are not responsible for indirect or consequential loss arising from the use of our website, educational content or services.

You remain responsible for decisions you make based on general wellness information and for obtaining individual professional advice where appropriate.

Nothing in these terms excludes or limits liability that cannot legally be excluded, including applicable rights under the Australian Consumer Law.

22. Changes to Our Services

We may update our website, programme content, resources or delivery methods to improve our services or respond to operational or legal requirements.

If a significant change materially affects something you have purchased, we will take reasonable steps to inform you and provide an appropriate solution where required.

23. Changes to These Terms

We may update these Terms and Conditions from time to time.

The current version will be published on this page with the date it was last updated. Material changes affecting an existing paid programme will be communicated where reasonably necessary.

24. Governing Law

These Terms and Conditions are governed by the applicable laws of Australia.

Nothing in these terms prevents you from relying on any mandatory consumer protections that apply in your place of residence.

25. Severability

If any part of these terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

26. Contact Us

Questions about these Terms and Conditions can be sent to:

Forty & Forward
Email: [email protected]
Website: https://fortyandforward.com.au