Terms & Conditions

Privacy Policy

Effective date: 1 January 2026

This Privacy Policy explains how 11 Unpopular Reasons, LLC (“we”, “our”, “us”) collects, uses, stores, and discloses personal information when you visit our website, purchase our products, or participate in our groups, memberships, digital products, and physical books.

We are committed to protecting your privacy and handling personal information in accordance with applicable privacy laws, including the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), as well as, where applicable, the EU General Data Protection Regulation (GDPR), UK GDPR, and the California Consumer Privacy Act (CCPA/CPRA).

1. Information We Collect

Information you provide directly

We may collect personal information that you voluntarily provide, including:

  • Name
  • Email address
  • Billing and shipping address
  • Information submitted when contacting us, registering for events, or joining a membership, group, or community

Payment and transaction information

  • Records of purchases, subscriptions, and transactions

Payment processing is handled securely by third-party payment providers (such as Stripe). We do not store full credit card or payment card details.

Information collected automatically

When you interact with our website, we may automatically collect:

  • IP address
  • Browser and device information
  • Pages visited, referral sources, and interaction data
  • Cookies and similar tracking technologies

Account and support information

  • Membership access records
  • Downloads and content access
  • Customer support enquiries and communications

2. How We Use Your Information

We collect and use personal information for purposes including:

  • Providing and delivering digital and physical products and services
  • Managing memberships, subscriptions, and community access
  • Processing payments and fulfilling orders
  • Communicating with you regarding purchases, updates, or enquiries
  • Sending marketing or promotional communications where permitted by law or with your consent (you may opt out at any time)
  • Improving website functionality, performance, and user experience
  • Meeting legal, regulatory, accounting, and compliance obligations

3. Disclosure of Personal Information

We do not sell your personal information.

We may disclose personal information to third parties where reasonably necessary, including:

  • Payment processors (for example, Stripe)
  • Email, CRM, and communication platforms
  • Website hosting, analytics, and IT service providers
  • Shipping and fulfilment partners (for physical products)
  • Legal, regulatory, or government authorities where required or authorised by law

We take reasonable steps to ensure that third parties handle personal information in accordance with applicable privacy laws and this Privacy Policy.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Enable core website functionality
  • Remember user preferences
  • Analyse traffic and website usage
  • Support analytics and, where permitted, marketing and advertising activities

You may control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain features on our website.

5. Your Rights

Australian residents

Under the Australian Privacy Principles, you have the right to:

  • Request access to personal information we hold about you
  • Request correction of inaccurate, outdated, or incomplete information
  • Make a complaint about how we handle your personal information

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).

European Union and United Kingdom (GDPR)

Where applicable, you may have the right to:

  • Access, correct, or delete your personal data
  • Restrict or object to processing
  • Request data portability
  • Withdraw consent for certain processing activities
  • Lodge a complaint with a relevant supervisory authority

California residents (CCPA / CPRA)

Where applicable, you may have the right to:

  • Know what personal information we collect and how it is used
  • Request access, correction, or deletion of personal information
  • Opt out of the “sale” or “sharing” of personal information (we do not sell personal data)
  • Not be discriminated against for exercising your privacy rights

To exercise any privacy rights, please contact us using the details below.

6. International Data Transfers

We may store or process personal information using third-party service providers located outside Australia, including cloud hosting, payment processing, and email service providers.

Where personal information is transferred overseas, we take reasonable steps to ensure such transfers comply with applicable privacy laws, including the use of contractual protections, standard contractual clauses where required, or reliance on jurisdictions recognised as providing adequate protection.

7. Data Security

We take reasonable technical and organisational measures to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.

However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information only for as long as reasonably necessary to fulfil the purposes outlined in this Privacy Policy, to comply with legal and regulatory obligations, to resolve disputes, and to enforce our agreements.

9. Children’s Privacy

Our website and products are not intended for children under 13 years of age, or such higher age as required by applicable local law. We do not knowingly collect personal information from children. If such information is identified, it will be deleted as soon as reasonably practicable.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be published on this page with a revised effective date. Continued use of our website or services constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

Email: hello@bryceakjenkins.com.au

Refund & Returns Policy

Effective Date: 5th December, 2025

At Bryce Jenkins, we want you to be completely satisfied with your purchase. Please review our Refund & Returns Policy on e-books and physical books.

1. Digital Products (E-books)

  • All sales of e-books are final.
  • Due to the nature of digital downloads, we do not accept returns, exchanges, or provide refunds once an e-book has been delivered or accessed.
  • Please ensure your device supports the file format before purchasing.

2. Physical Books

  • We accept returns or exchanges for physical books purchased via our website only if the item arrives damaged, defective, or incorrect.
  • To request a return, you must notify us within 30 days of delivery by contacting us at hello@bryceakjenkins.com.au.
  • Approved returns will be refunded in full or replaced at no additional cost, including shipping.
  • To be eligible, books must be unused, in their original condition, and accompanied by proof of purchase.

3. Bulk Orders

  • All bulk sales are considered final once confirmed.
  • No refunds, returns, or cancellations will be accepted for bulk purchases unless the order arrives damaged or defective.
  • Damaged or defective bulk shipments must be reported within 30 days of delivery.

4. Process for Returns

  • To initiate a return, please email us at hello@bryceakjenkins.com.au with your order number, details of the issue, and photos (if applicable).
  • We will provide instructions for returning your item.
  • Once your return is received and approved, we will issue your refund to the original payment method or ship a replacement within 14 days.

5. Contact

For questions regarding this Refund & Returns Policy, please contact us at:

hello@bryceakjenkins.com.au

Member Portal for V200 Club

Bryce AK Jenkins Membership Community

Effective Date: 1 January 2026

1. Operator Details

This membership community (“Community”) is operated by 11 Unpopular Reasons, LLC (“we”, “us”, “our”).

References to:

  • “you” or “member” mean any person accessing or participating in the Community
  • “Community” includes all platforms, forums, live or recorded sessions, written materials, digital content, discussions, and communications made available in connection with Bryce AK Jenkins, Unpopular Wisdom, The Virtuous Collective, V200 Club, Knowledge Vault and all associated sources.

2. Acceptance of These Terms

By joining, accessing, or participating in the Community, you confirm that you:

  • Have read and understood these Terms, Conditions & Disclaimer
  • Agree to be bound by them
  • Are at least 18 years of age

If you do not agree, you must not access or participate in the Community.

3. Nature of the Community (General Information Only)

The Community provides general education, commentary, opinions, discussion, and insights relating to money, wealth, behaviour, decision-making, economics, markets, business, and financial outcomes.

Content provided within the Community may constitute general financial information or general financial advice, however:

  • It is not personal financial advice
  • It is not tailored to your objectives, financial situation, or needs
  • It is provided without consideration of your personal circumstances

Participation in the Community does not create an advisory, fiduciary, professional, or client relationship.

4. No Personal or Tailored Advice

Nothing provided within the Community constitutes:

  • Personal financial advice
  • Individual investment advice
  • Specific recommendations to buy, sell, hold, or avoid any financial product, asset, or strategy

Any examples, scenarios, case studies, or opinions shared are general in nature only and may not be appropriate for your circumstances.

You must obtain independent professional advice before making any financial, investment, tax, legal, or business decisions.

5. Disclaimer – No Advisory Relationship (Extended Coverage)

You expressly acknowledge and agree that no advice relationship is created between you and any of the following:

  • 11 Unpopular Reasons, LLC
  • Bryce Jenkins (in a personal capacity)
  • The Virtuous Collective Pty Ltd
  • The Virtuous Licensee Pty Ltd
  • Any related body corporate, trust, partnership, affiliate, contractor, or associated entity

None of the above act as your adviser, planner, broker, agent, or representative through your participation in the Community, unless the parties have entered into a separate, written agreement expressly stating otherwise.

6. No Guaranteed Results

We make no guarantees regarding:

  • Income or wealth creation
  • Financial or investment performance
  • Business success or outcomes
  • Risk reduction or loss avoidance

Any references to results, success, or wealth are illustrative only. Your outcomes depend on your own actions, decisions, discipline, risk tolerance, and circumstances.

7. No Reliance & Assumption of Risk

You acknowledge and agree that:

  • You do not rely on the Community as a substitute for personalised advice
  • Any reliance on information shared is entirely at your own risk
  • You accept full responsibility for your decisions and outcomes
  • Participation may involve exposure to direct, challenging, or unpopular viewpoints

To the maximum extent permitted by law, you release us from liability arising from your reliance on Community content.

8. Community Visibility & Member Disclosures

The Community is not a confidential forum.

You acknowledge that content you post, share, or communicate within the Community:

  • May be viewed by other members
  • May be copied, quoted, or shared by others
  • May not remain private or confidential

You are solely responsible for what you choose to disclose and must not share sensitive, confidential, proprietary, or personal financial information.

We are not responsible for how other members use or distribute content shared within the Community.

9. Community Conduct & Moderation

You agree to:

  • Engage respectfully and lawfully
  • Avoid harassment, abuse, defamatory statements, or misleading conduct
  • Comply with all applicable laws

We reserve the right, at our sole discretion, to moderate content, suspend, or permanently remove members without notice and without refund if behaviour is disruptive, unlawful, or misaligned with the Community.

10. Intellectual Property

All content provided by us, including but not limited to written material, frameworks, concepts, commentary, and live or recorded sessions, remains the intellectual property of 11 Unpopular Reasons, LLC and/or its licensors.

You are granted a limited, personal, non-transferable, non-commercial licence to access and use the content for your own personal purposes only.

11. No Reproduction, Redistribution or Commercial Use

You must not, without prior written consent:

  • Reproduce, distribute, or republish Community content
  • Use Community content for commercial purposes
  • Systematically copy or archive Community materials

Nothing in this section limits rights that cannot be excluded under applicable law.

12. Media, PR & Public Attribution

You must not, without express written permission from us:

  • Attribute statements or opinions to us publicly
  • Quote Community content in media, podcasts, social media, or marketing
  • Present Community discussions as official positions

13. Payments, Refunds & Chargebacks

  • All fees are payable upfront
  • Fees are non-refundable except where required by the relevant law(s)
  • Chargebacks or payment disputes without valid grounds may result in immediate termination of access

Nothing in this section limits consumer rights that cannot be excluded by law.

14. Platform Availability

We do not guarantee uninterrupted access to the Community. Access may be interrupted due to maintenance, technical issues, or third-party platform outages.

15. Force Majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including platform failures, internet outages, or government actions.

16. Limitation of Liability

To the maximum extent permitted by law:

  • We are not liable for any loss, damage, or harm arising from participation in the Community
  • This includes financial loss, investment loss, reputational damage, emotional distress, or opportunity cost

Our aggregate liability, if any, is limited to the amount paid by you for access to the Community in the preceding 12 months.

Nothing in these Terms excludes rights under Australian Consumer Law that cannot be excluded.

17. Governing Law & Jurisdiction

These Terms are governed by the laws of Queensland, Australia. You submit to the exclusive jurisdiction of the courts of Queensland.

18. Entire Agreement

These Terms constitute the entire agreement between you and us regarding participation in the Community and supersede all prior discussions or representations.

19. Changes to These Terms

We may update these Terms at any time. Continued participation constitutes acceptance of the updated Terms.

20. Contact

For questions regarding these Terms, Conditions & Disclaimer, contact:

Email: hello@bryceakjenkins.com.au