Terms of Service

Effective Date: 31 August 2025
Last Updated: 31 August 2025

Welcome to the Epic Retirement Institute, operated by Epically Projects Pty Ltd trading as the Epic Retirement Institute (the “Service”), delivered via Substack. By accessing or using our Service, you agree to these Terms of Service (“Terms”). Please read them carefully before using the Service.

1. About Us

• Operator: Epically Projects Pty Ltd (ABN 55 669 758 794)

• Trading Name: Epic Retirement Institute

• Registered Address: PO Box 3310, Norman Park QLD 4170

• Contact Email: hello@epicretirement.net

We are an Australian company serving individuals globally, including the United Kingdom, European Union, and New Zealand, by providing books, digital content, newsletters, educational resources, online courses and related services through Substack.

2. Use of the Service

• You must be at least 18 years old to use our Service.

• You agree not to use the Service for any unlawful purpose or in violation of these Terms.

• We reserve the right to suspend or terminate your access if you breach these Terms.

3. Subscriptions and Payments

• Some content may be free, while premium content is available by subscription or as paid products.

• Subscriptions and payments are managed through Substack’s platform and Kajabi and Paypal and Stripe. By subscribing, you agree to Substack’s and Stripe’s respective payment terms and policies.

• Epically Projects Pty Ltd does not store or process your payment card details.

4. Intellectual Property

• All content provided through the Service, including text, images, audio, and branding, is the property of Epically Projects Pty Ltd unless otherwise credited.

• You may not copy, redistribute, or exploit the content for commercial purposes without our prior written permission.

5. Privacy and Data Protection

We are committed to compliance with the UK GDPR, EU GDPR, New Zealand Privacy Act 2020, and Australian Privacy Act 1988 (Cth).

• Data We Collect: When you subscribe, we collect your name, email address, and any optional information you provide.

• How We Use It: We use your data to deliver newsletters, manage subscriptions, provide course materials, and communicate with you.

• Legal Basis: We process your personal data based on your consent (subscriptions and marketing) and legitimate interest (to operate and improve the Service).

• International Transfers:

  • As an Australian company, we may transfer your data outside of your home country.

  • For UK/EU users: we rely on standard contractual clauses and equivalent safeguards.

  • For NZ users: we take reasonable steps to ensure overseas recipients protect your personal data in a way comparable to the NZ Privacy Act 2020.

• Your Rights:

  • UK/EU: rights to access, correct, delete, restrict, and port data, and withdraw consent.

  • Australia/NZ: rights to access and correct your data, and to complain to your regulator if concerns are unresolved.

• For full details, please see our Privacy & Terms page on our website [visit].

6. Cookies and Tracking Technologies

Our Service uses cookies and similar technologies.

• Essential cookies: Required for site operation.

• Analytics cookies: Used to understand how users engage with our Service (e.g. Google Analytics).

• Preference cookies: Store your settings and improve your experience.

You will be presented with a cookie consent banner when you first visit. You can:

• Accept or reject non-essential cookies.

• Change your cookie preferences at any time via “Cookie Settings.”

We will not drop analytics or marketing cookies without your consent, in compliance with UK GDPR, EU GDPR, NZ Privacy Act, and PECR.

7. Third-Party Services

We rely on third-party providers to deliver our Service:

• Substack (publishing and subscription management)

• Stripe (payment processing)

• Analytics providers (to measure engagement and improve content)

These providers may process your personal data in accordance with their own privacy policies.

8. Limitation of Liability

The Service is provided “as is” without warranties of any kind. To the extent permitted by law, Epically Projects Pty Ltd disclaims liability for any damages arising from your use of the Service.

9. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with a revised “Last Updated” date. Continued use of the Service after changes constitutes acceptance of the updated Terms.

10. Governing Law

These Terms are governed by the laws of:

• England and Wales for users in the UK/EU.

• New Zealand for users in New Zealand.

• Australia for users elsewhere.

Any disputes shall be subject to the exclusive jurisdiction of the courts in those regions.

11. Contact Us

If you have questions about these Terms, please contact us:

Epically Projects Pty Ltd trading as the Epic Retirement Institute

• Email: hello@epicretirement.net

• Address: PO Box 3310, Norman Park, QLD 4170