Last updated: September 2026
Please review the following terms and conditions carefully. For any enquiries regarding these terms, or to request permission for a specific use of the content on this website, please contact the Owner.
1. Definitions and Acceptance
This website is owned and operated by Karn Bulsuk (the "Owner"). In these terms, "Website" refers to bulsuk.com and all associated subdomains and pages. "Content" refers to all material published on the Website, including but not limited to text, images, diagrams, and downloadable files. "User" refers to any person accessing or using the Website.
By accessing or using the Website, the User agrees to be bound by these terms and conditions. If the User does not agree to any part of these terms, the User must not use the Website.
2. Copyright and Ownership
The Website and all Content are the copyright of Karn Bulsuk. All rights reserved. Where Content owned by other parties is reproduced, ownership remains with the original rights holder, and the Owner endeavours to provide attribution where practicable.
Reproduction of Content, in whole or in part, without attribution, or any presentation of the Content as the work of another party, constitutes a breach of these terms and of applicable copyright law. The Owner reserves all rights of enforcement, including but not limited to the issuance of takedown notices under applicable copyright legislation (including the Copyright Act 1968 (Cth) and, where applicable, the United States Digital Millennium Copyright Act or equivalent foreign procedures), the pursuit of legal remedies, and any other enforcement action available at law.
The Owner asserts the moral rights of attribution and of integrity of authorship in respect of the Content, as provided under Part IX of the Copyright Act 1968 (Cth). Reproduction of the Content without attribution to the Owner, false attribution of authorship, and any derogatory treatment of the Content prejudicial to the Owner's honour or reputation are infringements of those rights, independent of any infringement of copyright.
3. Permitted Use
Subject to the conditions set out in this clause, the User is granted a limited, non-exclusive, non-transferable licence to use the Content as follows:
3.1 Personal and academic use. The User may print or download Content for the User's own personal reference, academic study, or other non-commercial use, provided that attribution to the Owner is included. This clause does not permit republication or redistribution of Content in whole or in substantial part. See clauses 3.2 and 3.3 for sharing and linking.
3.2 Distribution to individuals. The User may share Content with individual third parties for their personal use, provided that the Website is acknowledged as the source.
3.3 Linking and citation. The User may link to Content from external websites or social platforms, provided that a link to the Website is included and the Website is acknowledged as the source.
3.4 Use by educational and non-commercial institutions. Educational and non-commercial institutions may reference, quote, or link to the Content for instructional purposes, provided that full attribution is given. Redistribution or republication of substantial portions of the Content requires the prior written permission of the Owner.
3.5 Templates and downloadable files. Where the Content includes a template, worksheet, spreadsheet, or similar file intended to be completed by the User, the User may complete, adapt, and use that file for the User's own internal purposes, whether personal, academic, or within the User's own organisation, provided that any attribution or copyright notice within the file is retained. This clause does not permit redistribution or publication of the file in original or modified form, removal of attribution, or use of the file in any activity falling within clause 4. This clause does not apply to files released under a Creative Commons licence, which are governed by clause 5.
4. Commercial Use
Commercial use of the Content in any form requires the prior written permission of the Owner. For the avoidance of doubt, "commercial use" includes, without limitation:
- Inclusion of the Content in any deliverable, product, or service offered for sale;
- Inclusion of the Content in paid training programmes, courses, or workshops;
- Reproduction of the Content in commercial publications, whether in physical or digital form;
- Use of the Content in any context where compensation, fees, or other consideration is received in connection with the Content.
Requests for commercial licensing should be directed to the Owner via the contact page.
Where written permission is granted, the User shall provide attribution in the following form:
"Copyright © 2009 onwards, Karn Bulsuk. Used with permission. Source: bulsuk.com."
5. Creative Commons Content
Certain works published on the Website, including a number of the downloadable templates and assessment materials, are released under a Creative Commons licence, generally the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International licence. Each such work carries its own licence notice within the work itself, within its accompanying file, or on the page from which it is obtained. That notice identifies the applicable licence and is definitive. Where the notice and this clause differ, the notice prevails.
No Content is released under a Creative Commons licence unless it carries such a notice. All Content that does not carry a Creative Commons licence notice is subject to the general terms set out in this document, and all rights in that Content are reserved.
Where Content is marked as Creative Commons, the terms of the relevant Creative Commons licence govern the use of that specific work in place of the general terms set out in this document, including clauses 3 and 4. Where the applicable licence includes a ShareAlike condition, any adaptation of the work that the User distributes must itself be licensed under the same licence. Where the work states an additional permission, that permission applies only to the work in which it is stated and does not extend to any other Content.
The Owner acknowledges that Creative Commons licences are irrevocable in respect of copies released under them. Nothing in these terms shall operate to revoke or impair any rights granted under a Creative Commons licence in respect of works to which such a licence applies.
6. Disclaimer
The Content is provided for general information purposes only.
This is a personal website. The views and opinions expressed are those of the Owner alone. They do not represent the views of any organisation with which the Owner has been, is currently, or may in future be associated, and in particular do not represent the views of the Owner's past, current, or future employers. The Owner's views, analysis, and opinions evolve over time, and Content published in the past may not reflect the Owner's current position.
The Content does not constitute professional, legal, financial, accounting, risk, compliance, or other advice, and must not be relied upon as such. The Content is general in nature and does not take account of the User's particular circumstances. Where the Content includes frameworks, templates, checklists, worksheets, or examination or assessment materials, these are illustrative only and are provided without any representation that they are suitable, complete, or fit for use in any particular organisation or situation. The User should obtain independent professional advice appropriate to the User's circumstances before acting on any part of the Content.
The Owner makes no representations or warranties of any kind, express or implied, as to the completeness, accuracy, reliability, suitability, or availability of the Website or the Content for any purpose. Information that was accurate at the time of publication may not remain accurate. Any reliance the User places on the Content is strictly at the User's own risk.
To the maximum extent permitted by law, the Owner shall not be liable for any loss or damage, including without limitation indirect or consequential loss, loss of data, or loss of profits, arising out of or in connection with the use of the Website or the Content.
Nothing in these terms is intended to exclude, restrict, or modify any consumer guarantee or right that applies under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other legislation that cannot be excluded, restricted, or modified by agreement.
The Website may contain links to external websites that are not under the Owner's control. The Owner has no control over the nature, content, or availability of such sites, and the inclusion of any link does not constitute endorsement of the views or material expressed on those sites.
7. Advertising and Affiliate Relationships
The Website may display advertising provided by third-party networks (including Google AdSense) and may contain affiliate links to third-party retailers (including, without limitation, Amazon Associates and AliExpress).
7.1 Advertising. Advertisements displayed on the Website are served by third-party networks and may be personalised based on the User's browsing activity. The Owner does not control the content of advertisements served by these networks.
7.2 Affiliate links. Where the Website contains affiliate links, the Owner may receive a commission if the User makes a purchase through such links, at no additional cost to the User. The presence of an affiliate link does not constitute an endorsement, recommendation, or guarantee of the linked product or service. The Owner is not a party to any transaction between the User and the third-party retailer and accepts no responsibility for products purchased, the conduct of the retailer, or any dispute arising from such transactions.
7.3 Disclosure. Where the Website contains affiliate links, the Owner discloses that relationship clearly and conspicuously. Disclosure may take the form of labelling at or adjacent to the link, a prominent disclosure statement within the relevant post or page, or equivalent clear identification. As an Amazon Associate, the Owner earns from qualifying purchases.
7.4 Products provided for review. The Owner may from time to time receive products, samples, or services from manufacturers, retailers, distributors, or their representatives for the purpose of review. Where this occurs, the Owner discloses that fact within the relevant review. The provision of a product does not entitle the provider to approve, amend, delay, or withdraw the Owner's review or any opinion expressed in it, and the Owner retains full editorial control in all cases. Where a review concerns a product that was provided to the Owner and also contains an affiliate link, both connections are disclosed together.
8. Voluntary Payments and Tips
The Website may offer the User the ability to make voluntary payments or tips to the Owner through third-party services (including, without limitation, Ko-fi).
8.1 Voluntary nature. Tips and voluntary payments are entirely at the User's discretion. They do not entitle the User to any specific Content, service, or benefit beyond that which is otherwise available on the Website.
8.2 Processing. Payments are processed by the third-party service and are subject to that service's own terms and conditions. The Owner does not directly receive or process payment card information.
8.3 Refunds. Tips and voluntary payments are non-refundable except where required by law or by the policies of the third-party service handling the payment.
8.4 Consumer rights. Nothing in this clause is intended to exclude, restrict, or modify any right or remedy the User may have under the Australian Consumer Law or equivalent legislation in respect of any payment made.
9. Privacy
The collection, use, and disclosure of personal information in connection with the Website is governed by the Privacy Policy, which forms part of these terms by reference. The User should review the Privacy Policy carefully before using the Website.
10. Links to the Website
Subject to clause 3.3, links to the Website are welcomed, including direct links, citations, and social media references.
11. International Users
The Website is operated from Australia. The User accesses the Website from their own jurisdiction at their own initiative and is responsible for compliance with any applicable local laws. The choice of Victorian law as the governing law of these terms does not affect any non-waivable consumer protection rights the User may have in their country of residence.
12. Governing Law and Jurisdiction
These terms shall be governed by and construed in accordance with the laws of the State of Victoria, Australia. The User submits to the non-exclusive jurisdiction of the courts of Victoria for the resolution of any disputes.
13. Amendments
The Owner reserves the right to amend these terms from time to time. The current version is the version published on this page, and material changes will be indicated by an updated date at the top of this page. The User is encouraged to review these terms periodically. The User's continued use of the Website following the posting of any amendments constitutes acceptance of the amended terms.
14. Automated Access, Text and Data Mining, and Artificial Intelligence
14.1 Reservation of rights. The Owner expressly reserves all rights in the Content in respect of text and data mining, machine learning, and the training or fine-tuning of artificial intelligence models. This reservation is made for the purposes of Article 4(3) of Directive (EU) 2019/790, section 44B of the Copyright, Designs and Patents Act 1988 (UK), and any equivalent provision in any other jurisdiction.
14.2 Prohibited uses. The Content may not be used, whether by automated means or otherwise, to train, fine-tune, evaluate, or otherwise develop any artificial intelligence or machine learning model, or to build or contribute to any dataset or corpus intended for that purpose, without the prior written permission of the Owner.
14.3 Permitted uses. Nothing in this clause restricts the retrieval, indexing, summarisation, or quotation of the Content by search engines or AI-assisted search and answer services, provided that the Owner is identified as the source and a link to the Website is provided.
14.4 Automated access. Automated collection of the Content, including scraping, crawling, and harvesting, is permitted only to the extent consistent with this clause and with any machine-readable directives published by the Website.
14.5 No waiver. The absence of a machine-readable directive in respect of any particular service, crawler, or user agent does not constitute a waiver of the reservation in clause 14.1, and no such absence shall be construed as consent to any use prohibited by clause 14.2.
15. Suspension and Refusal of Access
The Owner may, at the Owner's discretion and without notice or explanation, restrict or block any User's access to the Website, in whole or in part, including by blocking any IP address, user agent, or automated process. The Owner is under no obligation to provide or maintain access to the Website for any User, and may modify, suspend, or discontinue the Website or any part of the Content at any time.
16. Unsolicited Submissions
The Owner does not accept unsolicited submissions of ideas, article proposals, guest contributions, product suggestions, or other material. Where a User sends any such material to the Owner, whether through the contact form or otherwise, the User acknowledges that it is provided without any obligation of confidence, without any expectation of payment or acknowledgement, and without any obligation on the Owner to review, use, return, or respond to it. The Owner may already be developing, or may independently develop, material similar to any submission received, and nothing in the receipt of a submission gives rise to any claim in respect of material the Owner subsequently publishes.
17. Third-Party Names and Trademarks
The Content may refer to companies, products, services, and brands by name, and may reproduce product names, logos, or images for the purposes of identification, review, criticism, and reporting. All such names and marks remain the property of their respective owners. Their use on the Website does not imply any affiliation with, endorsement by, or sponsorship from the relevant owner, and is not intended to assert any right in the mark.
18. Severability
If any provision of these terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
