Terms and Conditions

Stuart Andrews Consulting & Coaching LLC provides the following services:

• Online content platform including courses, community, and coaching resources
• Executive leadership coaching (in-person and virtual)
• AI agent and digital twin services, made available only under a signed order form or statement of work ("Digital Twin Services")
• CapabilityAI enterprise products and assessments
• Community, chat, and collaboration tools

The Services are not tailored to comply with industry-specific regulations (HIPAA, FISMA, etc.). You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA) or any applicable law.

Our Intellectual Property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, graphics, AI models, and AI-generated content (collectively, the "Content"), as well as the trademarks, service marks, and logos (the "Marks").

AI Digital Twin Intellectual Property

All AI agent digital twin models, configurations, training methodologies, prompt architectures, and outputs created by Stuart Andrews Consulting & Coaching LLC remain our intellectual property unless a separate written agreement explicitly assigns ownership to the Client. Client-provided source materials used to train or configure a Digital Twin remain the Client's intellectual property, subject to the licence granted below.

Your Contributions, Feedback and Testimonials

"Contributions" means content you post or submit through community areas, chat, forums, reviews, testimonial or feedback forms, or similar features. You keep ownership of your Contributions. You grant us a worldwide, perpetual, irrevocable, non-exclusive, royalty-free, transferable, sublicensable licence to use, reproduce, adapt, publish, distribute and display your Contributions in connection with the Services and our business, including in marketing and promotion, in any media. If you submit a testimonial, review or feedback, we may publish it with the name, role and organisation you provided. To the extent the law permits, you consent to acts that would otherwise infringe your moral rights. Feedback and suggestions about the Services are assigned to us. This section does not apply to private messages between members, coaching conversations, assessment responses or your account data, which we handle under our Privacy Policy. If you ask us to stop using your name in future marketing, we will do so where the law requires.

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you have the legal capacity to agree to these Legal Terms; (3) you are not a minor in the jurisdiction in which you reside; (4) you will not access the Services through automated or non-human means except as expressly permitted; (5) you will not use the Services for any illegal or unauthorised purpose; and (6) your use of the Services will not violate any applicable law or regulation.

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password.

All products and services are subject to availability. We reserve the right to discontinue any products or services at any time for any reason. Prices for all products are subject to change. Digital Twin Services are subject to additional project-specific scoping agreements.

We accept the payment methods shown at checkout, processed by Stripe. You agree to provide current, complete, and accurate purchase and account information for all purchases. All payments shall be in US dollars unless otherwise specified in a separate agreement.

Subscriptions and renewals

Some Services are sold as subscriptions, billed monthly or annually. A subscription renews automatically at the end of each billing period at the price shown when you bought it, or any locked price that applies to you, until you cancel. You can cancel at any time in your account billing settings or by emailing . Cancellation takes effect at the end of the period you have paid for, and you keep access until then. If we change the price of a subscription, we will give you at least 30 days' notice before the new price applies to your next renewal, and you may cancel before then. A price described as founding or locked applies for the period stated when you bought.

The Capability Forum™ is a 12-month membership. If you pay in three instalments, you cannot cancel early: the instalments continue until all three are paid.

Payments are not refundable once a transaction is complete, except as these Legal Terms say otherwise or where the law gives you a right to a remedy (see section 7). This covers:

• Online courses and digital programmes
• Digital downloads and content products
• Coaching program fees once a program has commenced
• AI Digital Twin service fees once a project has been scoped and commenced
• Community and platform subscription fees

Subscriptions: you can cancel at any time (section 5). Your access continues to the end of the period you have paid for, and we do not refund part of a period, except where the law requires it.

Nothing in this policy is intended to exclude, restrict, or modify any rights or remedies you may have under the Australian Consumer Law (ACL), Schedule 2 of the Competition and Consumer Act 2010 (Cth), or any other applicable consumer protection legislation. Under the ACL, you are entitled to a remedy if a service:

• Is not rendered with due care and skill
• Is not fit for the particular purpose you made known to us before purchasing
• Is not delivered within a reasonable time (where no time has been agreed)

Where the ACL or other applicable law grants you a non-excludable right to a remedy, we will provide that remedy in accordance with the law. These statutory rights apply in addition to, and are not limited by, the refund terms in section 6.

• Cancellation requests received more than 14 days before the program commencement date will receive a full credit (valid for 12 months) applicable to any future Stuart Andrews Consulting & Coaching LLC product or service
• Cancellation requests received within 14 days of program commencement, or after the program has begun, will not attract a refund or credit, except where required by the ACL
• Rescheduling of individual coaching sessions is permitted with a minimum of 48 hours' notice

AI Digital Twin projects are governed by the specific project agreement between you and Stuart Andrews Consulting & Coaching LLC. Cancellation and refunds for Digital Twin Services are set by the signed agreement. If it is silent:

• Cancellation after project work has commenced: payment is due for all work completed to the date of cancellation notice, calculated on a pro-rata basis against the agreed project fee
• Completed deliverables are non-refundable

If you experience a genuine technical issue that prevents you from accessing a product or service you have purchased, please contact us at within 7 days of the issue arising. We will investigate and, where the issue is attributable to our platform, provide a remedy including (at our discretion) access restoration, an alternative delivery method, or a credit.

The chatbot available on the Stuart Andrews website (stuartandrews.me) is called CapabilityAI. It is an AI-powered digital assistant, not a human. It is designed to reflect Stuart Andrews' leadership frameworks, expertise, and communication style.

What CapabilityAI Can Help You With

• Answering questions about leadership capability, development frameworks, and Stuart's methodology
• Providing information about Stuart's services and programs
• Directing you to relevant resources, articles, and course content
• Helping you decide whether Stuart's services may be right for your organisation

Important Limitations

• CapabilityAI is powered by large language model (LLM) technology and responses are generated probabilistically, outputs may occasionally be inaccurate, incomplete, or outdated
• On the plans that include AI memory, CapabilityAI can remember details from your earlier conversations to personalise its replies, and you can review and delete what it has remembered. On a plan without memory it does not carry information from one conversation to the next
• CapabilityAI cannot provide legally binding advice, access your personal account data, or make changes to your enrolment or billing
• CapabilityAI is not a licensed professional in any regulated field, do not rely on its outputs as professional legal, financial, medical, or psychological advice

Voice Sessions

• A voice session is a spoken conversation with an AI, not with Stuart Andrews or any other person. Voice sessions are transcribed and, depending on how a call is connected, your voice may also be recorded by our voice provider, as described in our Privacy Policy
• Voice is included on the plans that offer it, up to the monthly allowance of minutes shown for your plan on our pricing page. The allowance resets on the 1st of each month and unused minutes do not roll over
• Extra minutes can be bought as a pack on our website, not in the mobile app. A pack is valid for a limited period from the date of purchase and is used after your monthly minutes. Section 6 (Refunds) and section 7 (Australian Consumer Law) apply to packs as they do to any other purchase
• When your minutes are used up, voice sessions are unavailable until the allowance resets or you buy a pack. The rest of your CapabilityAI access is not affected

12.1 Description

Our AI Agent Digital Twin Services involve the creation of AI-powered agents trained or configured to reflect the knowledge, communication style, and expertise of an individual or organisation. These Digital Twins may be deployed as chatbots, virtual assistants, interactive knowledge bases, or other AI-powered interfaces.

12.2 Accuracy and Limitations

You acknowledge and agree that:

• AI Digital Twins are probabilistic models and may produce outputs that are inaccurate, incomplete, or inconsistent with the source individual's or organisation's actual views or knowledge
• Outputs from AI Digital Twins should not be relied upon as professional legal, medical, financial, or other regulated advice without independent verification
• We do not guarantee that Digital Twin outputs will be free from errors, hallucinations, or biases inherent in large language model technology
• The performance of Digital Twins may vary based on the quality and quantity of training materials provided

12.3 Acceptable Use

You agree not to use Digital Twin Services to:

• Impersonate any individual in a manner intended to deceive or defraud third parties
• Create or deploy Digital Twins that disseminate false, defamatory, or misleading information
• Generate content that violates applicable laws, including privacy, defamation, or intellectual property laws
• Attempt to reverse-engineer, extract, or replicate the underlying model architecture or training data
• Manipulate, jailbreak, or circumvent the safety guardrails of any AI Digital Twin system

12.4 Disclosure of AI Nature

Where Digital Twin agents interact with third parties, appropriate disclosure of the AI nature of the interaction must be made. Every AI Digital Twin agent created through our services must clearly identify itself as an AI agent when directly asked by a user and must not claim to be human when sincerely queried. You agree to deploy Digital Twin solutions in compliance with applicable AI disclosure and transparency laws.

12.5 Data Used in Digital Twin Training

You represent and warrant that all materials submitted for use in Digital Twin creation: (a) are owned by you or you have the necessary rights and permissions to provide them; (b) do not infringe the intellectual property rights, privacy rights, or other rights of any third party; (c) comply with all applicable laws; and (d) are used with the consent of every individual whose voice, image or likeness is used.

12.6 Third-Party AI Platforms

Digital Twin Services may use third-party AI platforms and APIs (including large language model providers). Use of these services is subject to the applicable third-party terms and privacy policies. We are not liable for any changes, outages, or policy updates made by such third-party providers that affect the operation of Digital Twin Services.

12.7 Human Oversight

Stuart Andrews Consulting & Coaching LLC maintains human oversight of our AI systems. If you receive a response from CapabilityAI that you believe is harmful, inaccurate, or inappropriate, please report it to so we can investigate and improve the system.

When interacting with AI-powered services, you have the right to:

• Know that you are interacting with an AI system
• Request to speak with a human representative at any time by emailing
• Opt out of AI-powered interactions and engage through traditional channels
• Request that AI-generated outputs not be used as the sole basis for decisions that significantly affect you

As a user of the Services, you agree not to:

• Trick, defraud, or mislead us and other users
• Circumvent, disable, or otherwise interfere with security-related features of the Services
• Use the Services in a manner inconsistent with any applicable laws or regulations
• Upload or transmit viruses, Trojan horses, or other malicious material
• Engage in any automated use of the system, including data mining, robots, or similar data gathering tools, except as expressly permitted
• Attempt to impersonate another user or person
• Use AI Digital Twin outputs to deceive, defame, or harm any individual or organisation
• Use the Services as part of any effort to compete with us without our express written permission

The Services may contain links to other websites and content belonging to third parties. Such third-party websites and content are not investigated, monitored, or checked for accuracy by us, and we are not responsible for any third-party content. Digital Twin Services may incorporate third-party AI APIs; use of such APIs is subject to those providers' terms.

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who violates the law or these Legal Terms; (3) remove or disable any Contributions or content at any time without notice; and (4) otherwise manage the Services in a manner designed to protect our rights and property.

We care about data privacy and security. Our Privacy Policy (which also contains our Cookies Policy) explains how we collect and use personal data. It applies alongside these Legal Terms but is not part of this agreement. The Services are hosted in the United States and Europe, and we transfer and process data in those regions as described in the Privacy Policy.

These Legal Terms remain in full force and effect while you use the Services. We may refuse registration or access to anyone, and may suspend, restrict or end any account or access, at our discretion. If we do so because of a breach of these Legal Terms, non-payment, a chargeback, or risk to us or to other users, no refund applies and you may not register a new account without our written consent. If we end a paid subscription for any other reason, we will refund the unused part of the prepaid period. You may stop using the Services at any time; cancellation of a subscription is dealt with in section 5.

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. We cannot guarantee the Services will be available at all times. We reserve the right to modify or discontinue all or part of the Services without notice at any time.

These Legal Terms are governed by the laws of New South Wales, Australia. If a dispute is not resolved under section 21, the courts of New South Wales have jurisdiction, except that: (a) nothing limits any right you have under the Australian Consumer Law or other consumer law that cannot lawfully be excluded, including any right to bring a claim in the courts where you live; and (b) either party may ask any court of competent jurisdiction for urgent relief to protect confidential information or intellectual property.

Informal negotiation: Before starting any proceeding, each party will try in good faith to resolve the dispute by negotiation for at least 30 days after written notice to the other.

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. THIS DISCLAIMER EXTENDS TO AI DIGITAL TWIN AND CAPABILITY AI OUTPUTS, WHICH ARE PROVIDED WITHOUT WARRANTY AS TO ACCURACY, COMPLETENESS, OR FITNESS FOR ANY PARTICULAR PURPOSE. YOU ASSUME ALL RISK ASSOCIATED WITH YOUR USE OF AI-POWERED SERVICES AND OUTPUTS.

Nothing in these Legal Terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded.

Subject to section 7 and any right that cannot lawfully be excluded: (a) neither party is liable to the other for indirect or consequential loss, or for loss of profit, revenue, data or goodwill; (b) each party's total liability to the other for all claims arising from the Services is limited to the greater of the fees paid or payable by you in the 12 months before the event giving rise to the claim and US$500, except that your obligations to pay fees and your liability for misuse of our intellectual property are not limited by this paragraph; and (c) where the law allows us to limit liability for a failure to comply with a consumer guarantee, our liability is limited, at our option, to supplying the services again or paying the cost of having them supplied again.

Nothing in this section limits liability for fraud, wilful misconduct, death or personal injury caused by negligence, or any liability the law does not allow to be limited. A separate order form with an organisation may set a different cap.

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Services; (3) breach of these Legal Terms; (4) misuse of AI Digital Twin or CapabilityAI outputs; (5) your violation of the rights of a third party.

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services. This includes data used to train or configure AI Digital Twin models. Although we perform regular routine backups, you are solely responsible for all data you transmit or that relates to any activity you have undertaken using the Services. We may use de-identified and aggregated data about how the Services are used, as described in our Privacy Policy, to operate, secure and improve the Services.

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing.

These Legal Terms, together with any order form or other written agreement we sign with you and any policies or operating rules posted by us on the Services, constitute the entire agreement and understanding between you and us. If any provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision is deemed severable and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms.

Order forms and separate agreements

If you and we sign an order form or other written agreement for any Service, it forms part of your contract for that Service and prevails over these Legal Terms where they conflict. Where it is silent, these Legal Terms apply.

Our affiliates and individuals

SMA Consulting Pty Ltd, our parent, is not a party to these Legal Terms. Any claim relating to the Services may be brought only against Stuart Andrews Consulting & Coaching LLC, and not against our parent, our affiliates, or any of our or their directors, officers, employees, contractors or licensors (including Stuart Andrews personally), each of whom may rely on sections 22, 23 and 24. We accept this protection on their behalf.

Assignment, events beyond our control and general

We may assign or transfer these Legal Terms to an affiliate or in connection with a sale or reorganisation of our business. You may not assign or transfer your rights without our written consent. We are not liable for any failure or delay caused by events beyond our reasonable control, including outages or changes of internet, cloud, payment or AI service providers. Sections that by their nature should continue after these Legal Terms end continue to apply. A failure to enforce a right is not a waiver of it. We may give you notices by email to the address on your account. You must not use the Services if you are located in, or controlled by a person on, a sanctions list, and you must comply with applicable export and sanctions laws. Except for the people named in the paragraph on our affiliates and individuals, no one other than you and us has rights under these Legal Terms.

Coaching, content and AI tools support your own judgement. They are not legal, financial, medical, psychological or other regulated professional advice, and we do not guarantee any particular result, such as a promotion, revenue, performance or retention outcome. You remain responsible for your decisions. We treat coaching conversations as confidential, except where disclosure is required by law, is needed to prevent serious harm, or you have agreed to it, for example with the organisation paying for your coaching.

This policy applies to the website stuartandrews.me and to every other domain, e-mail address and brand we send from or use (together, "our sites"). They are operated by Stuart Andrews Consulting & Coaching LLC, a wholly owned subsidiary of SMA Consulting Pty Ltd (ACN 127 953 299).

29.1 Our policy

We prohibit advertising or promoting our sites, our domains, our content or our services by unsolicited bulk messages, or by any message that breaches anti-spam law, including e-mail, SMS, social media messages and comments, forum posts and messaging apps. This applies to our staff, contractors, affiliates, agencies, partners, resellers and anyone else acting for us or on our behalf. Nobody is authorised to send unsolicited bulk messages that mention or link to our sites.

29.2 What we require of any message sent for us

• It must comply with the Spam Act 2003 (Cth) and with any other anti-spam, privacy and direct-marketing law that applies to the recipient, such as CAN-SPAM, PECR and the GDPR
• It must be sent one-to-one, be relevant to the recipient's own work or publication, and identify the sender accurately, without forged or misleading sender details or subject lines
• It must include a working unsubscribe that is honoured immediately and permanently, with no login or confirmation step
• It must not be sent to anyone who has asked us to stop, and we keep a permanent suppression record for everyone who objects
• It must not be sent in bulk, in volume blasts, or from anonymous, rotating or compromised accounts, servers or networks

29.3 Reporting and enforcement

If you receive a message that advertises our sites and you believe it is unsolicited, please report it to with the full message and headers. We investigate every report, stop any sending that breaches this policy, and end our relationship with any person or organisation that does not comply.

Our Privacy Policy explains how we handle personal data. It does not replace this policy.

Assessments, 360 feedback and reports are developmental tools. They give an indication, not a diagnosis or a guarantee, and reflect the answers given by participants and raters. They are not designed or validated for, and must not be used as the sole basis for, decisions about hiring, dismissal, promotion, pay or discipline. In the 360 assessment, the rater is told before answering whether their responses will be shown with their name or combined anonymously, and by taking part a rater accepts that arrangement. An organisation that commissions an assessment is responsible for telling participants and raters how results will be used and for having the right to use their data.

If you take part in a community, forum, chat or cohort programme: treat other members with respect; keep what other members share confidential and do not repeat it outside the community without their permission; do not use the community to solicit, market to or message other members for your own business without our permission; do not record sessions without the host's permission; and follow any additional rules posted for that programme. We may moderate and remove content, and suspend or remove members under section 18. To report content or a copyright concern, email .

Where your plan includes API or MCP access, we give you a non-exclusive, non-transferable right to use it to read your own data for your own internal purposes. Keys are confidential. You are responsible for everything done with your keys, and for any AI assistant, agent or other software you connect and for what it does with the data it receives. You must not share keys, resell or sublicense access, exceed rate limits, circumvent scopes or security, or use the API to build a competing service. We may limit, suspend or revoke any key at any time to protect the Services or other users. The API and MCP are provided as is, may change, and carry no service-level commitment unless your order form says so.

We may offer features that are in development or marked beta, preview or early access. They are provided as is, may contain errors, may change or be withdrawn at any time, and are not part of any plan unless your order form says so.

Promotional programmes, including referral credits, prizes and founding offers, follow their own published rules, which prevail for that programme. We may change or end a programme for future participants at any time.

We may update these Legal Terms. For a material change we will give you at least 30 days' notice by email to your account address or in the Services before it takes effect. If you do not agree, you may cancel so that your subscription ends at the end of the period you have paid for, and the change will not apply to you before then. Continued use after the effective date means you accept the updated Terms. A change to the dispute provisions applies only to disputes that arise after it takes effect.

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: