Governance·For Everyone

Payment, Refund and Cancellation Policy

Version 1.0· Updated 21 September 2026· ~8 min read

Fresh Collective — Payment, Refund & Cancellation Policy

Version 1.0

This Policy explains how payments, payment plans, subscriptions, refunds and cancellations work within Fresh Collective.

It should be read alongside the Terms of Use, Membership Terms, Creator Agreement and any specific terms shown when you make a purchase.

Fresh Collective is for people aged 18 years and over.

Why this Policy exists

Fresh Collective is home to independent Collectives created and managed by Creators.

Creators decide what they offer, how much it costs and, within the requirements of Australian law, the refund and cancellation terms that apply to their offerings.

Fresh Collective provides the platform and payment infrastructure that allows these purchases to take place.

This Policy explains:

the different ways payments may be structured
what you are agreeing to when you make a purchase
how subscriptions and payment plans work
what happens if a payment fails
how refunds and cancellations are handled
the responsibilities of Members, Creators and Fresh Collective

Nothing in this Policy excludes or limits rights that cannot lawfully be excluded, including rights under the Australian Consumer Law.

What this Policy covers

This Policy may apply to payments for:

Collective memberships
access to Pathways
Gathering bookings
Gathering Series
courses, programs and experiences
one-off purchases
fixed payment plans
ongoing subscriptions
Creator subscriptions or plans
other paid offerings made available through Fresh Collective

The exact inclusions, access period, price and payment structure will be shown before you complete a purchase.

How payments work

Payments made through Fresh Collective are processed using our payment provider.

Fresh Collective does not store your complete payment card or banking details.

Depending on the offering, a payment may be made as:

a one-off payment
an ongoing subscription
a fixed payment plan

These are different payment arrangements.

The payment structure that applies to your purchase will be shown before you confirm it.

One-off payments

A one-off payment is a single payment for the offering described at the time of purchase.

Examples may include:

a single Gathering
a workshop
a course
a defined period of access
another one-time offering

Once the payment has been successfully processed, the access or booking included with that purchase will be granted in accordance with the offer.

Ongoing subscriptions

A subscription is a recurring payment that continues until it is cancelled, unless the subscription has a stated end date.

Before starting a subscription, you should be shown:

the amount charged
how often you will be charged
what the subscription includes
when recurring payments begin
how the subscription can be cancelled

By starting a subscription, you authorise the relevant recurring payments to be charged to your nominated payment method until the subscription is cancelled or otherwise ends.

Cancelling a subscription prevents future renewals.

Unless otherwise stated, access already paid for will generally continue until the end of the current paid billing period.

A cancellation does not ordinarily create a refund for time that has already been used or made available, except where a refund is required by law or provided under the applicable refund policy.

Fixed payment plans

A fixed payment plan allows the total price of an offering to be paid through a defined number of instalments.

For example:

$37.80 per week for 10 weeks Total commitment: $378.00

A fixed payment plan is not the same as an ongoing subscription.

When you choose a fixed payment plan, you are agreeing to the total purchase price and authorising the scheduled instalments described before purchase.

Before confirming a payment plan, you should be shown:

the total purchase price
the amount of each instalment
how often instalments will be charged
the total number of instalments
what the purchase includes

Unless the purchase terms state otherwise, cancelling your participation, leaving a Collective or choosing not to use the remaining services does not automatically cancel instalments that form part of an agreed fixed payment plan.

This does not affect any rights you may have under Australian Consumer Law or any cancellation or refund rights offered by the Creator.

If an offering itself is cancelled or cannot be provided, the remaining payment obligations and any appropriate refund, credit or other remedy will be considered in accordance with this Policy and applicable law.

Pricing

Creators are responsible for setting the prices of their offerings.

Before you confirm a purchase, Fresh Collective aims to clearly show the information relevant to that purchase, including:

the price
whether payment is one-off, recurring or by instalments
the payment frequency
the number of instalments, where applicable
the total financial commitment for a fixed payment plan
what the purchase includes
any mandatory charges collected through the platform

Where taxes or other charges are required to be included by law, they will form part of the displayed price.

Optional purchases or extras are separate unless clearly stated as included.

What your purchase gives you

A purchase may provide one or more forms of access.

For example, a purchase may include:

membership of a Collective
access to a Gathering or Gathering Series
access to a Pathway
access to resources
a booking allowance
access for a specified period
another benefit described in the offer

The specific inclusions will be shown as part of the purchase.

Membership and paid access are not always the same thing

Some purchases may automatically make you a Member of a Collective.

Your Collective membership may continue even after a particular period of paid access ends.

For example, you might remain a Member of a Collective while no longer having active access to a particular Pathway, Gathering Series or paid area.

The Creator's Collective settings and the terms of the particular purchase determine what remains available to you.

Authorising payments

When you provide a payment method and confirm a purchase, you authorise the payment provider to charge that payment method in accordance with the payment arrangement you selected.

For:

a one-off purchase, this means the stated one-off amount
a subscription, this means recurring payments until cancellation or the subscription otherwise ends
a fixed payment plan, this means the stated instalments forming part of the agreed total purchase price

You are responsible for ensuring your payment details remain current and that you are authorised to use the payment method provided.

Payment failures

Sometimes a payment cannot be successfully processed.

This may happen because:

a card has expired
insufficient funds are available
a bank declines the transaction
payment details have changed
another payment-processing issue occurs

If a payment fails:

you may be notified
you may be asked to update your payment details
the purchase may not become active
access to paid content or experiences may be suspended or restricted
a payment schedule may be cancelled where the purchase cannot successfully commence

The effect of a failed payment depends on the type of purchase and when the failure occurs.

A failed payment does not create access to an offering that has not been successfully paid for.

Where a payment relates to an existing fixed payment plan, any ongoing rights or obligations will depend on the purchase terms, the circumstances of the failure and applicable law.

Cancelling a subscription

You may cancel an ongoing subscription through the account or platform controls made available for that subscription.

Once cancelled:

future renewals will stop
no new subscription period will begin
access will generally continue until the end of the period already paid for, unless otherwise stated

Deleting your account or leaving a Collective is not a substitute for cancelling an active subscription.

You should cancel the subscription itself where a separate cancellation control is provided.

Cancelling a fixed payment plan

A fixed payment plan represents an agreement to pay a defined total purchase price in instalments.

It is therefore different from cancelling an ongoing subscription.

Unless otherwise stated in the offer, cancelling your participation does not automatically remove the remaining payment commitment.

However, a Creator may offer additional cancellation rights, and your rights under Australian Consumer Law continue to apply.

If circumstances mean that an offering can no longer be provided, remaining instalments may be cancelled and a refund, credit or other remedy may be provided where appropriate.

Refunds

Each Creator is responsible for clearly communicating any additional refund or change-of-mind policy that applies to their offerings.

A Creator may choose to offer refunds or credits in circumstances such as:

change of mind
inability to attend
cancellation within a specified period
transfer to another Gathering
another circumstance determined by the Creator

These additional policies must not remove rights provided by law.

Australian Consumer Law

Nothing in a Creator's refund policy, this Policy or any other Fresh Collective document excludes rights or remedies that cannot lawfully be excluded.

Australian Consumer Law provides consumer guarantees that may apply when goods or services are purchased.

Depending on the circumstances, these may include rights to:

have a problem remedied
cancel a service
receive a partial or full refund
receive another remedy required by law

A statement such as "no refunds" does not remove rights that exist under Australian Consumer Law.

Change of mind alone does not necessarily create a legal entitlement to a refund unless the Creator has offered a change-of-mind policy or another legal right applies.

How refunds are processed

Where a refund is approved through Fresh Collective, it will generally be processed through the payment method used for the original transaction where possible.

The time taken for funds to appear in your account may depend on:

the payment provider
your bank or financial institution
the payment method used

A refund may be:

full
partial
associated with cancellation of future payments
accompanied by changes to the access granted by the original purchase

Where a refund removes the basis for paid access, the related paid access may also end.

This does not necessarily mean that the person's underlying Collective membership will end.

Gathering cancellations and changes

Creators are responsible for managing Gatherings they offer through their Collectives.

Sometimes a Creator may need to:

cancel a Gathering
change the date or time
change the location
reschedule an experience
make another material change

Creators should communicate significant changes to affected Members as soon as reasonably possible.

Depending on the circumstances, an affected Member may be offered:

a replacement Gathering
rescheduling
a credit
transfer to another session
a partial refund
a full refund
another appropriate