Terms of service

next[you]labs is operated by Jignesh Parbhu, a sole trader in New South Wales, Australia. These terms are governed by the laws of New South Wales, and its courts have jurisdiction.

You need to be 18 or over. One account per person, your login is yours to keep to yourself, and you're responsible for what happens under it. Tell us if you think someone else has got into it.

Give us accurate details. You can close your account whenever you like, from Settings. It's immediate, and there's no retention period.

The lab is a tool for structuring your own thinking and your own goals. The content, prompts and articles in it are general information and education. They are not professional advice. Not financial, not legal, not medical, not tax.

That matters most around money. The budget module is a calculator for figures you enter; it doesn't know your circumstances and it isn't assessing them. Nothing in the lab is a recommendation to buy, hold or sell any financial product, open any account, or make any investment. Where we cover investing, we're explaining how the tools and the vocabulary work so you can ask better questions, not telling you what to do with your money. For advice about your actual situation, speak to someone licensed to give it.

The lab is also not a health service, a counselling service, or crisis support, and we don't monitor what you write. If you're struggling and you're in Australia, Lifeline is available 24 hours on 13 11 14, and emergency services are on 000.

What you decide to do off the back of the lab's direction is your call and your responsibility.

The lab is a paid membership. Eligible new memberships start with a free trial of 7 days. You add a card when you sign up, but nothing is charged until the trial ends, and if you cancel before then you won't be charged. After that it runs as a monthly subscription at AUD $40 per month, including unlimited chat mentoring. There is no monthly message limit. Replies are asynchronous, within 48 hours on business days. Bespoke one-to-one workshops are purchased separately at AUD $130 for one 60-minute workshop or AUD $330 for three. These are early-release prices. Existing complimentary access and legacy included-session allowances remain unchanged. Where a feature is still being built we label it as such on the pricing page, so check there for what's live today versus what's coming.

Payments are handled by Stripe. We never see or store your full card details. You can change your plan or cancel at any time from Profile, then Membership.

Chat mentoring is your ongoing conversation with a real mentor. Paid sessions are bespoke one-to-one workshops to practise a skill, solve a problem or build something together. Agree on useful work and a realistic result in chat before requesting a workshop. The free 30-minute direction call helps you choose where to start. Request workshops or direction calls inside the lab, sharing preferred times for your mentor to confirm. Requests reserve an included session first, then a purchased session. Included allowances reset with your billing period, or each calendar month (UTC) for complimentary memberships without a billing cycle. Request during that period and meet within the reservation window shown in your account; unrequested allowances do not roll over. Single sessions and three-session packs are added to your account once payment is settled. New purchases are valid for three years from the date the credits are issued after payment. Your account shows the expiry date. Request your booking before that date; a timely request remains valid while we arrange a mutually agreed session time. Existing credits sold without an expiry keep their original terms. Complimentary access and existing included allowances are unchanged.

We encourage booking a single session within three months and a three-session pack within six months. These are suggested booking targets, not expiry dates. Cancelling a membership does not cancel purchased credits; contact us to arrange a booking if you no longer have member access. Returned credits retain their original expiry. If our availability or a cancellation by us prevents you using credits before expiry, we will extend their validity or provide an appropriate remedy. Your Australian Consumer Law rights remain unchanged.

Mentoring covers habits, decision-making, planning and accountability. It is not financial, legal or medical advice, and a mentor will not recommend specific financial products, shares or investments, including when a session is working from your own budget data.

You can cancel unconfirmed requests yourself; an expired monthly allowance does not return. For confirmed sessions, request cancellation at least 48 hours before the meeting to return the session. Later cancellations and no-shows use the session, unless staff grants a waiver. Mentor cancellations always return the session. Eligible returns from an expired included allowance become a non-expiring replacement session. Changes to confirmed times require agreement in your conversation.

Nothing in these terms excludes, restricts or modifies any guarantee you have under the Australian Consumer Law. Where those guarantees apply, they apply regardless of anything written here, including a right to a refund or a remedy where a service isn't delivered with due care and skill.

What you write stays yours. We don't claim ownership of it and we don't use it for anything other than running the service for you. How we handle it is set out in the privacy policy.

The platform itself stays ours: the software, the design, the written content and the brand.

Don't break the law with it, don't try to get at other people's data, don't attack or overload the platform, don't scrape it, and don't resell access. Don't upload anything you don't have the right to.

We can suspend or close an account that's doing those things. Where it's reasonable we'll tell you why first.

We'll add, change and remove features as it develops, and things will move quickly. We aim to keep the platform available and working, but we don't promise it will be uninterrupted or error-free.

To the extent the law allows, we're not liable for indirect or consequential loss, or for decisions you make based on what you read or record here. Nothing in this section limits your rights under the Australian Consumer Law.

When these change we'll update the date at the top. If a change materially affects you, we'll tell you rather than leave you to spot it. Carrying on using the lab after that means you accept the new version.

Email archie@nextyoulabs.io.