Service Terms

Last updated: 15 November 2026

1. About these terms

These terms apply to household budgeting services provided by Two Homes Budgeting, a business name operated by Danielle Hayes as a sole trader, ABN 39 919 367 842, based in the Southern Tablelands, NSW ("I", "me").

You'll be asked to read and accept these terms before you confirm a paid booking. The version you accept is the one that applies to that booking. If anything is unclear, please ask before you book.

2. Who the service is for

The service is for adults who want support with their own household budget. It isn't a joint separation negotiation, mediation or dispute-resolution service.

To avoid a conflict of interest, I don't work with both former partners from the same separation.

3. What the service is

I provide practical household budgeting support and general financial education. In a session, we organise your income, everyday costs and upcoming bills into a clear budget, and work out practical next steps.

You'll receive:

• A household budget spreadsheet.
• A bill and payment calendar.
• A short, prioritised action list.
• Questions to take to your lawyer, adviser or broker, if relevant.
• A written summary within two business days after your session, once you've supplied the information we agreed on.

About your budget

Your budget is a working document based on the information available at the time. Estimated child support, Centrelink payments, settlement proceeds and other uncertain amounts are not confirmed entitlements or guaranteed income.

Unless we agree otherwise, the service doesn't include ongoing monitoring or updates after I've delivered the documents listed above.

4. What the service isn't

I'm not a financial adviser, financial counsellor, lawyer or tax agent. I don't provide:

• financial product advice, including about investments, super, insurance or bank accounts;
• credit advice, including about loans, mortgages or refinancing;
• legal advice, including about property settlement, parenting arrangements or child support assessments;
• tax advice; or
• Centrelink advice, including about eligibility, how to answer a claim, or completing claims on your behalf. I don't access your myGov account.

Your money and your accounts

I don't hold or manage your money, receive funds to pay your bills, operate your accounts, or make transactions on your behalf. You remain responsible for making your payments.

I don't negotiate debts, settlements or hardship arrangements with creditors on your behalf, provide credit-repair services, or represent you in disputes.

I can help you organise your information and prepare questions for a qualified professional or a free support service. Decisions about your money and your situation are always yours.

Not a crisis service

If you're in danger, call 000. For family, domestic or sexual violence support, call 1800RESPECT on 1800 737 732. If you're struggling with debt, the National Debt Helpline (1800 007 007) offers free financial counselling.

5. Your part

• Share information that's accurate as far as you know. Estimates and gaps are fine, and we'll label them as estimates.
• Tell me the safest way and time to contact you, and let me know if that changes.
• Please don't send passwords, myGov login details, tax file numbers, full account numbers, identity documents or court documents.

6. Prices and payment

• The 20-minute introductory chat is free and there's no obligation to book.
• A 60-minute budgeting session is $99 for the first 10 paid clients (introductory price), then $149.
• An optional 30-minute follow-up for existing clients is $59. It's a review of the budget we've already prepared, including minor updates and agreed next steps. If your circumstances need a substantially new budget, I'll explain the scope and price before you book.
• All prices are in Australian dollars and are the total you pay. GST is not charged.
• Payment is due at least 24 hours before your session, unless we've agreed on something else. You can pay by bank transfer or by card through a secure online payment link. I never ask for card details by email, text or through my enquiry form.
• Payments are expected to appear on your statement as "TWO HOMES BUDGETING", although your bank may show extra or shortened details. If you're worried about someone else seeing a payment or receipt, let me know before you pay and we can discuss a safer arrangement.
• I keep a small number of reduced-fee places for people referred by community services. Ask during your free chat.

7. Cancelling or rescheduling

If you need to change your appointment

• At least 24 hours' notice: your payment will be refunded or moved to a new appointment, whichever you prefer.
• Illness, an emergency or a safety concern: contact me when it's safe to do so. I'll offer you a reasonable alternative and won't apply any cancellation charge.
• Your first late cancellation or missed appointment: I'll move your payment to a new appointment once, at no extra cost.
• Any later late cancellation or missed appointment: a cancellation charge may apply, limited to the lower of $30 or my reasonable unrecovered loss from the booking. Any remaining payment will be refunded or moved to another appointment, whichever you prefer.

After repeated missed appointments, I may pause new bookings and talk with you about whether another arrangement or service would suit you better. These arrangements don't limit your rights under the Australian Consumer Law.

If I need to cancel

If I cancel or can't attend, you can choose a full refund or another appointment.

Refunds

Where a refund is due, I'll start it within five business days. Your bank or payment provider may take extra time to return the funds.

This cancellation policy covers changes of plan. It's separate from your rights if something goes wrong with the service, which are explained in section 9.

8. Ending a session early

Either of us may pause or end a session if it's unsafe, outside the agreed service, or otherwise inappropriate to continue.

If I decide your needs are outside what I can help with, I'll explain why and, where appropriate, suggest another service. I'll refund the part of the fee for work I haven't provided. If I haven't provided any useful part of the agreed service, I'll refund the full fee.

This doesn't limit any remedy you have under the Australian Consumer Law.

9. If something isn't right

If you're unhappy with any part of the service, please tell me. I'll acknowledge your concern within 5 business days and work with you to resolve it.

My services come with guarantees that can't be excluded under the Australian Consumer Law. This includes that they'll be provided with due care and skill, be fit for the purpose we've discussed, and be delivered within a reasonable time.

Any remedy will reflect your rights under the Australian Consumer Law. Depending on the problem, these may include having the problem fixed, cancelling the service, a full or partial refund, or compensation where it applies. My complaints process doesn't restrict those rights.

If we can't resolve a concern together, you can contact NSW Fair Trading on 13 32 20.

10. Your documents and privacy

The budget, calendar and summary I prepare for you are yours to keep, use and share as you like. I handle your personal information as set out in my Privacy Policy.

11. Changes to these terms

I may update these terms from time to time. The version you accepted when you booked is the one that applies to your booking.

12. Governing law

These terms are governed by the laws of New South Wales, Australia. Nothing in these terms limits your rights under the Australian Consumer Law.

13. Contact

Dani Hayes, Two Homes Budgeting
Email: hello@twohomesbudgeting.com.au
Phone: 0491 269 982