Terms & Conditions of Sale

Panorama Media Pty Ltd
Last updated: 13th November 2025

These Terms & Conditions govern the purchase of digital products, online courses, and services (“Products”) from Panorama Media Pty Ltd (“we”, “us”, “our”). By completing a purchase, you (“you”, “the customer”) agree to be bound by these Terms & Conditions.

1. Digital Products & Course Access

1.1 Upon successful payment, you will receive access to the digital product or online course you have purchased.
1.2 Access is granted for personal use only and must not be shared, resold, uploaded, or distributed.
1.3 It is your responsibility to ensure your device, internet connection, and software are compatible with the course platform.

2. No Refunds (Except Where Required by Law)

2.1 Due to the nature of digital content and instant access, ALL SALES ARE FINAL.
2.2 Panorama Media Pty Ltd does not offer refunds, including but not limited to the following circumstances:

Change of mind
Change of personal circumstances
Not using or completing the course
Perceived lack of results
Accidental purchase
Inability to allocate time to the program

2.3 This No-Refunds Policy is compliant with the Australian Consumer Law (ACL).
Under the ACL, customers are only entitled to a refund if the product is:

Faulty,
Not delivered as described, or
Does not meet the consumer guarantees.

2.4 If a technical issue prevents you from accessing your purchased content, we will provide support to restore access. This remedy satisfies our obligations under the ACL.

3. Australian Consumer Law Notice

3.1 Nothing in these Terms excludes your rights under the Australian Consumer Law.
3.2 You are entitled to a remedy only if the Product:

Is defective,
Is not provided as outlined, or
Fails to meet consumer guarantees under the ACL.

3.3 Our Products are delivered digitally and as described. Therefore, they are not eligible for refunds except where required by law.

4. Payment & Billing

4.1 All prices are listed in USD, unless specified otherwise.
4.2 You authorise Panorama Media Pty Ltd to charge your chosen payment method at the time of purchase.
4.3 If a payment is reversed or fails, we may revoke or pause your access until full payment is received.

5. Intellectual Property

5.1 All course videos, text, templates, images, digital downloads, and related materials remain the intellectual property of Panorama Media Pty Ltd.
5.2 You must not copy, reproduce, share, sell, distribute, or modify any materials without written permission.

6. Course Updates & Changes

6.1 We may update or modify course content, modules, or resources at any time to enhance the customer experience.
6.2 Updates do not entitle customers to refunds, credits, or discounts.

7. Limitation of Liability

7.1 You acknowledge that results vary depending on individual effort, background, and circumstances.
7.2 Panorama Media Pty Ltd does not guarantee specific outcomes, income levels, or business performance.
7.3 To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages resulting from the use of our Products.

8. Contact Information

For questions regarding these Terms & Conditions, please contact:

Panorama Media Pty Ltd
Email: contact@siyuaneducation.com
WeChat: siyuan_61888

9. Acceptance

By completing your purchase, you confirm that:

✔ You have read and understood these Terms & Conditions
✔ You agree to the No Refunds policy
✔ Your rights under the Australian Consumer Law remain protected