Terms and Conditions

These Terms and Conditions govern your purchase of and access to courses offered by BA Unfiltered, the trading name of Esphere Consulting Pty Ltd (ACN 663 464 757, ABN 87 663 464 757), located in Point Cook, Victoria, Australia (‘we’, ‘us’, ‘our’). By completing a purchase or creating an account on our course site, you agree to these terms. If you do not agree, do not proceed with enrolment.

1.  Who We Are

BA Unfiltered is the trading name of Esphere Consulting Pty Ltd. Esphere Consulting Pty Ltd trading as BA Unfiltered is an IIBA Essential Training Partner. Our courses are delivered through Thinkific, an online learning platform. Our contact details are:

• Email (general enquiries): [email protected]
• Email (support and refund requests): [email protected]
• Email (formal complaints): [email protected]
• Business address: Point Cook, Victoria, Australia
• ABN: 87 663 464 757

2.  What You Are Buying

When you purchase a course from BA Unfiltered, you are buying a personal, non-transferable licence to access self-paced online learning content hosted on our Thinkific site. Your licence gives you:

• Access to all course videos, slides, and written content for the access period stated at checkout (or lifetime access where stated)
• The right to download resources marked as downloadable within the course
• Access to knowledge check quizzes and any locked resources that become available on completion of those quizzes

Your licence does not include the right to copy, reproduce, share, resell, or sub-licence any course content to any other person. All course content — including videos, slides, worksheets, scripts, and written materials — is the intellectual property of Esphere Consulting Pty Ltd and is protected under the Copyright Act 1968 (Cth). Unauthorised reproduction or distribution constitutes copyright infringement and we reserve the right to pursue legal remedies, including damages and injunctive relief.

3.  Enrolment and Access

Access to your course begins immediately upon successful payment confirmation unless otherwise stated on the course page. You will receive a confirmation email with login details. If you do not receive access within 24 hours, contact us at [email protected].

Sequential course structure

Course content is delivered in a structured sequential format. Lessons must be completed in order — each lesson requires the previous lesson to be completed before it becomes accessible, based on a minimum video completion threshold. Module progression requires completion of the knowledge check quiz at the end of each module. You cannot access Module 2 content until the Module 1 knowledge check has been submitted, and so on for each subsequent module.

This structure is intentional and forms part of the course design. It is not a technical fault and does not constitute a failure to provide access to the course.

Single-user licence

Each purchase is for one individual learner. You must not share your login credentials with any other person. Our platform records access by IP address and device. If we detect that an account is being accessed by multiple users simultaneously or from patterns inconsistent with single-user use, we may suspend access without prior notice. The original purchaser remains liable for the full course fee regardless of suspension for breach of this condition.

Manually enrolled learners

Where access is granted by any means other than direct purchase — including gifted access, corporate enrolment, or manual addition by us — the learner's use of the platform constitutes acceptance of these Terms and Conditions and our Privacy and Cookie Policy.

Corporate and third-party purchases

Where a course is purchased by an organisation on behalf of an individual, the purchasing organisation is the contracting party and is responsible for all payment obligations. Access is granted to the nominated individual only. If that individual leaves the organisation, access is not transferable. Refund or remedy requests from corporate purchasers must come from the purchasing organisation.

4.  Pricing and Payment

Prices and GST

All prices are displayed in United States dollars (USD). Thinkific Payments automatically calculates, collects, and remits sales tax on purchases made by students located in the United States and Canada. Students in those jurisdictions will see the applicable tax added at checkout. For Australian consumers, GST of 10% is included in the displayed USD price and will be reflected in the AUD equivalent shown at checkout. Purchases made by consumers located in the United Kingdom or the European Union are not subject to VAT, as BA Unfiltered is not registered for VAT in those jurisdictions. The applicable price will be clearly shown before you confirm your purchase.

Payment processing

Payments are processed securely through Thinkific Payments, which is PCI-DSS compliant. We do not store your card details — all payment information is handled by Thinkific Payments. By making a purchase, you also agree to Thinkific’s terms of service.

Payment plans

Where a payment plan option is available for a course, the total price is split into equal automatic monthly instalments as displayed at checkout. By selecting a payment plan, you authorise us to collect each instalment on the scheduled date using your nominated payment method.

All instalments must be completed to retain full course access. If an instalment payment fails:

• We will attempt to collect the payment again automatically within a few days
• If collection continues to fail, your course access may be suspended until the outstanding amount is cleared
• Once the outstanding payment is received, access will be reinstated automatically. If reinstatement does not occur within 24 hours, contact us at [email protected]

Selecting a payment plan is a commitment to the full course price. Instalment obligations are not affected by a change of mind. Where you have a complaint or believe you are entitled to a remedy under the Australian Consumer Law, contact us at [email protected] — your ACL rights are not affected by this clause.

Buy Now Pay Later (BNPL)

We offer BNPL options including Afterpay, Klarna, and Affirm at checkout where available. These services are provided by third-party providers and are subject to their own terms, credit assessments, and fees. We are not responsible for any arrangement between you and the BNPL provider. Where you raise a payment dispute or chargeback with a BNPL provider for a course you have accessed, your obligation to pay for that access remains, subject to your rights under the Australian Consumer Law. We will respond to any chargeback process with evidence of access. Contact your BNPL provider directly for questions about your BNPL agreement.

5.  Refunds and Your Consumer Rights

7-day satisfaction period

In addition to your rights under the Australian Consumer Law, we offer a 7-day satisfaction period. If you are not satisfied with the course, you may request a full refund within 7 days of your purchase date, provided you have not:

• Completed any module knowledge check assessment, or
• Accessed any module's Answer Key

These conditions reflect meaningful engagement with the course. Completing a knowledge check or accessing an Answer Key represents substantive use of the course content. Given that Answer Keys are gated behind quiz completion, accessing either resource indicates that the learner has engaged with and derived value from the course material.

To request a refund under this policy, email [email protected] within 7 days of your purchase date with your name and order number. We will process approved refunds within 5 to 10 business days, depending on your payment method and financial institution. This voluntary refund policy does not limit or replace your rights under the Australian Consumer Law.

Australian Consumer Law

Our courses are subject to consumer guarantees under the Australian Consumer Law (ACL). These guarantees cannot be excluded, restricted, or modified by any contract term. Under the ACL, you are entitled to a remedy if our course:

• Is not fit for the purpose described — for example, where the course content is materially and substantially different from its stated description and learning outcomes
• Cannot be accessed due to a fault on our side that we cannot fix within a reasonable time — for example, a persistent platform error preventing login that is not resolved within 7 days
• Is not delivered with due care and skill

Where there is a major failure, you may choose a refund for the unused portion of the course or another available remedy. Where there is a minor failure, we will fix the problem or re-supply the affected content within a reasonable time. Approved refunds under the ACL are processed within 5 to 10 business days.

Evidence of use

In assessing any refund request, we take into account evidence of course access recorded by the Thinkific platform, including lesson completion, quiz submissions, and resource downloads. Completing one or more module assessments or downloading locked resources is taken into account as evidence of substantial use when assessing whether a failure is major or minor under the ACL. This does not remove your ACL rights — it is part of the assessment process.

What does not qualify for a remedy

The following do not constitute a failure under the ACL and do not qualify for a refund:

• Change of mind after purchase, where the 7-day satisfaction period has expired or its conditions have been exceeded
• Deciding the course was not the right fit after substantive engagement with the content
• Inability to progress through the course due to the sequential structure — this is an intended design feature described in Section 3
• Technical issues on your own device, browser, or internet connection not caused by our platform

How to request a remedy

Email [email protected] with your name, order number, and a description of the issue. We will respond within 5 business days. If you are not satisfied with our response, you may contact the ACCC at accc.gov.au or your relevant state consumer affairs office.

6.  IIBA Alignment and Certification

Our courses are developed in alignment with the BABOK v3 framework published by the International Institute of Business Analysis (IIBA). Esphere Consulting Pty Ltd trading as BA Unfiltered is an IIBA Essential Training Partner. Courses are endorsed by IIBA prior to launch. CDU and PD hour claims are subject to IIBA’s own requirements and policies. It is the learner’s sole responsibility to verify eligibility for any claim and to submit claims to IIBA accurately. We make no guarantee that any specific certification outcome will result from completing our courses. Certification decisions are made solely by IIBA.

CDU and PD hour claims are subject to IIBA's own requirements and policies. It is the learner's sole responsibility to verify eligibility for any claim and to submit claims to IIBA accurately. We make no guarantee that any specific certification outcome will result from completing our courses. Certification decisions are made solely by IIBA.

7.  Course Content and Updates

We may update, improve, or modify course content from time to time to reflect developments in the field, correct errors, or improve quality. Where content is materially improved, the updated version will be available to learners who were enrolled at the time of the update at no additional charge. New courses or substantially new versions may be offered as separate products.

We are not liable for any temporary unavailability of course content due to circumstances beyond our reasonable control, including third-party platform outages, maintenance windows, or force majeure events. Where a platform outage prevents access to a course for more than 7 consecutive days, affected learners will receive a proportionate extension to their access period.

8.  Intellectual Property

All course content is the intellectual property of Esphere Consulting Pty Ltd and is protected under the Copyright Act 1968 (Cth). You may not copy, reproduce, distribute, share, screen record, resell, or create derivative works from any course content without our prior written permission. This includes sharing login credentials, recording videos, or redistributing downloadable resources.

BABOK v3 is the intellectual property of IIBA. References to BABOK v3 within our course materials are for educational purposes in accordance with permitted use.

9.  Completion Certificates

A certificate of completion is issued automatically by the platform when you meet the completion threshold for a course, based on platform-recorded engagement data. This certificate records that you accessed and completed the course content as tracked by the platform. It does not certify competency or professional standing.

Any use of the completion certificate for professional certification purposes — including claims for IIBA CDU or PD hours — is the learner's sole responsibility. We do not verify, submit, or guarantee the acceptance of any CDU claim made to IIBA or any other body on the basis of this certificate.

10.  Disclaimers and Limitation of Liability

Our courses are designed to build professional knowledge and skills in business analysis. They are not a substitute for legal, financial, regulatory, or other professional advice specific to your situation.

To the extent permitted by law, our total liability to you for any loss or damage arising from your use of our courses is limited to the amount you paid for the relevant course. We are not liable for any indirect, consequential, or incidental loss.

Nothing in this section limits liability for death or personal injury caused by our negligence, for fraudulent misrepresentation, or for any other liability that cannot be lawfully excluded or limited under Australian law, including under the Australian Consumer Law.

11.  Changes to These Terms

We may update these Terms and Conditions from time to time. The current version with its date will always be available on our course site. If we make a material change, we will notify enrolled learners by email. Continuing to use our site after a change is posted constitutes acceptance of the updated terms.

12.  Governing Law and Disputes

These terms are governed by the laws of the State of Victoria, Australia. Any disputes arising from or relating to these terms or your use of our courses will be subject to the non-exclusive jurisdiction of the courts of Victoria, except where you have rights under the Australian Consumer Law to bring a dispute in another forum.

We encourage you to contact us first at [email protected] before escalating any dispute. We will endeavour to resolve complaints within 10 business days.