Use of Website
Welcome to my website. If you continue to browse and use this website you are agreeing to comply with these “Terms of Service” and other legal policies.
Products for Sale
I sell digital products only — Business Templates, WHS Documents, PDF cross stitch patterns and Ebooks.
I do not sell any physical products.
Content Licensing
All digital products and free samples are subject to specific licensing conditions depending on the product type. Please review my Copyright and Content Licensing Terms for full details.
Business Templates
Business templates and compliance documents are licensed to a single business or legal entity. You may customise them for your own operations, but the blank templates and instructions cannot be shared, resold or used to prepare documents for your clients.
Digital Cross Stitch Patterns
Cross-stitch patterns and Ebooks (including free samples) obtained from this website are licensed to a single user for personal use only. Commercial use is prohibited, and copies may not be resold or distributed in any form — including photocopies, scans, online marketplaces, emails or social media.
Orders
All orders for digital products are subject to review and acceptance. I reserve the right at any time to accept or decline your order for any reason. If the order is declined, your payment will be refunded immediately.
Checkout
To purchase digital products from my online store, you can checkout as a guest or create an account. It’s totally up to you.
Payment Methods
My online shop has a secure checkout and you may use credit card, debit card, eWallet, or PayPal to make a purchase. Available payment methods may vary according to your selected currency, but in most countries you will be able to pay with Mastercard, Visa, Discover, Union Pay, JCB, American Express, ApplePay and GooglePay.
Customers in Australia and New Zealand may pay by depositing money into my bank account. Bank account details are displayed once you place an order. PDF Cross Stitch Patterns and other digital products will not be released until your payment clears my bank account.
Multi-Currency
I have an Australian business and the default currency is AUD Australian dollars — but I accept payments in many other currencies. If your device has location services enabled, you may be offered the option to view and pay in your local currency at checkout.
Please note:
- The converted price shown is an estimate only and may differ from the amount actually charged.
- Your bank or payment provider may charge additional fees.
- Exchange rates and fees for currencies other than AUD are outside my control.
Receipts and Invoices
After payment you will be emailed an order confirmation that contains my business name and ABN for your records.
The description on your bank statement or transaction list will be marked as either:
- MELINDA J. IRVINE $Amount
- MELINDA J. IRVINE #Order Number $Amount
Accessing Digital Purchases
When you buy a business template, digital cross-stitch pattern or Ebook, your files are ready to download immediately after payment. A download link will appear on your screen, and a copy of the link is sent in your confirmation email.
For paid products, your download link remains active for 30 days. You can use this link to download your files as many times as you need within that 30 days.
For free samples, download links expire after 30 days or three download attempts, whichever comes first.
It is your responsibility to download and save your files to a secure location on your computer or cloud drive before the link expires.
If you run into any issues, you can find quick answers to most questions on the Support Desk page. I’m always happy to help and make sure you receive what you’ve paid for.
Customer Accounts
Customers may choose to create an account while making a purchase.
You will receive an email with your username and password.
Login at anytime to access your digital purchases, set your payment methods, or review a product.
Having an account ensures you have a full one month access to your digital files and unlimited downloads at a time convenient to you.
For more information about your customer account, read my Privacy Policy.
Refunds and Returns
I support my digital products (including business templates, PDF cross stitch patterns and Ebooks) and make every attempt to resolve problems with orders, but I do not refund because you simply change your mind.
Returns are not available for digital products.
Please read my Refund Policy for more information.
Product Listing Errors
If a product is listed at an incorrect price, or with incorrect information due to typographical error, I reserve the right to refuse or cancel any orders placed for those products.
If your credit card or bank account has already been charged for the purchase, I will immediately issue a refund.
Customer Reviews
I rely on transparent, genuine customer feedback. All reviews are published in their entirety and I do not manipulate or edit the content. However, I reserve the absolute right to vet all submissions and will reject any review deemed dishonest, deliberately misleading, irrelevant, or otherwise inappropriate for publication. By submitting a review, you agree that your content adheres to these standards.
Writing Services
I am a professional writer and communication designer. I am best suited for writing assignments for small business clients (0-25 staff) who are operating in Australia.
Business Structure
I have an established business structure including Australian Business Number (ABN), invoicing system, and registered trading address in NSW, Australia.
I am not currently registered for GST.
Operations
I complete all writing assignments remotely, mostly working from my dedicated home office.
I am very responsive with clients and communicate through the following channels:
- Text message and WhatsApp calls
- Video conferencing (Zoom and Teams)
Content Quality
All content is fully researched using primary documents and other reliable sources. Since mid-2025, AI tools have become part of my workflow for research and refinement, but never as a substitute for original writing. Every project is personally written, edited, and fact-checked by me, Melinda J. Irvine.
Pricing
I have an established pricing structure and all writing projects are costed out and approved by the client before the job commences.
All writing service fees are payable in Australian Dollars (AUD) and are GST n/a.
Payment Terms
Jobs under $1,000 must be paid in advance. Larger jobs may be paid in (agreed) installments — usually 50% upfront, 25% payable on delivery of 1st draft, and 25% on sign-off.
Payment Methods
Clients may pay using bank transfer, PayPal, credit card, debit card, or eWallet.
Intellectual Property
Unless agreed otherwise, full ownership (and copyright) of the completed writing materials transfers to the client upon full payment of fees.
Confidentiality
I respect the confidentiality of my clients and am happy to sign a Non-Disclosure Agreement (NDA) before commencing your assignment.
Editing and Reviews
All writing and design projects include up to two rounds of revisions following delivery of the first draft.
Information on This Site
The information on this website and in my blog posts is general in nature and should not be considered legal or financial advice. Use the information as a guide and the basis for further research.
Errors and Typos
While I do my best to keep the content on my website accurate and up-to-date, the information may contain typographical errors or technical inaccuracies (especially on older content).
I, Melinda J. Irvine disclaim all responsibility and all liability (including, without limitation, liability in negligence) for all expenses, losses, damages and costs you might incur as a result of the information being inaccurate or incomplete in any way.
Outgoing Links
From time to time, I provide links to other websites and information, for your convenience. This does not imply sponsorship, endorsement, approval, or arrangement between myself and the owners of those websites. I take no responsibility for any of the content on the linked websites.
I, Melinda J. Irvine am not responsible or liable for the availability or content of any other website linked to, or from, this website. Access to any other websites is at your own risk.
Copyright
Except as permitted by the Commonwealth Copyright Act 1968 (as amended) no part of this website may be reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including further copying, recording, taping or by a storage and information retrieval system) without my express written permission.
Please refer to my Copyright Information page for further details.
Cookies
This website uses cookies to support essential functions and improve the user experience. I follow best practices and don’t serve ads, sell your data, or do dodgy stuff.
For full details on how this site uses cookies, please read my Privacy Policy.
Website Security
Where appropriate, I use available technology to protect the security of communications made through this website. However, I do not accept liability for the security, authenticity, integrity or confidentiality of any transactions and other communications made through this website.
Internet communications may be susceptible to interference or interception by third parties. Despite my best efforts, I make no warranties that this website is free of infection by computer viruses or other unauthorised software. I, Melinda J. Irvine will not be liable for any loss, damage, cost or expense resulting from any breach of a security measure (including viruses or other unauthorised software).
Backlinks
Backlinks are links on other websites that point to pages here on melirvine.com.au. I am not responsible for any of the content on third-party websites that link to my site.
If you create a link to this website, you do so at your own risk. I reserve the right to object to any back link that infringes my rights. I have not agreed to any conduct connected with a linked site which may be unlawful or an infringement of rights.
Governing Laws
Use of this website and these “Terms and Conditions” are governed by the laws of the State of New South Wales, Australia. Any claim relating to use of this website shall be heard by NSW Courts. If you choose to access this site from a location outside Australia, you do so on your own initiative and are responsible for compliance with applicable local laws.
Variation
I may revise these “Terms of Service” at any time by updating this page. You should visit this page from time to time and review the current “Terms of Service” because they are legally binding on you.
LAST UPDATE: 3 September 2026