Our Terms, Your Privacy

Everyone Plays by the Rules

Terms and Conditions

This Agreement (“Agreement”) is made between Top Margin and Gayle Howard (collectively referred to as “Top Margin”) and the individual (“Client”) who purchases a resume package, training program, or other writing services. By commissioning work from Top Margin, the Client agrees to be bound by the terms and conditions set forth herein.

1. Refund Policy

1.1 Should the Client cancel the project prior to the commencement of writing and within sixty (60) days of the initial order, a partial refund may be issued. The amount of the partial refund will be calculated based on a reasonable estimate of the time expended on consultation and preparatory work up to the point of cancellation.

1.2 Top Margin reserves the unilateral right to terminate any project at any stage, providing written explanation to the Client. In such an event, a refund will be issued to the Client.

1.3 The Client shall not hold Top Margin and Gayle Howard liable for any project that is cancelled before its completion. No refunds will be issued sixty (60) days after the initial order date, irrespective of change of mind by the Client.

1.4 The Client may activate or continue the project up to two (2) years from the date of purchase and may also transfer the ownership of the credit to another person, provided that written confirmation of this transfer is supplied.

2. Consumer Rights Under Australian Law

Australian Consumer Law specifies that the Client is not entitled to a refund under circumstances such as changing their mind about the service, insisting on a specific mode of service contrary to the provider’s advice, or failing to adequately communicate their needs to the service provider.

3. Liability Disclaimer

Top Margin shall not be held liable for inaccuracies or errors stemming from information supplied by the Client. The Client shall indemnify and hold Top Margin and Gayle Howard harmless from any financial or legal obligations, claims, judgements, or fees arising from services rendered under this Agreement.

4. Employment Disclaimer

Top Margin makes no warranties or guarantees regarding job placement or employment success, as these are dependent upon various external variables including, but not limited to, market conditions and Client’s own efforts and qualifications.

5. Timeliness and Deadlines

5.1 Upon receipt of all required information from the Client, Top Margin will provide an estimated timeframe for the delivery of the first draft of the resume and other contracted documents.

5.2 The Client shall finalise or accept the provided documents within thirty (30) days from the receipt of the first draft. Top Margin and Gayle Howard shall bear no liability for failure to incorporate changes requested after this period has expired.

6. Financial Terms

6.1 Estimates and prices quoted by Top Margin are valid for sixty (60) days from the time of order placement.

6.2 All payments are non-refundable and must be completed in full before the commencement of writing services.

7. Edits and Proofreading

7.1 Two sets of edits are included in the quoted fee. Additional or discretionary edits may incur additional consultation fees.

7.2 Clients are responsible for proofreading the first draft and identifying any corrections. Top Margin assumes no liability for errors not identified during the Client’s proofreading process.

8. Document Updates

Updates to resumes are limited to three (3) years from the date of initial writing and are subject to specific conditions as defined by Top Margin.

9. Electronic Files and Compatibility

Top Margin does not guarantee the compatibility of electronic files with Client’s systems or retention of original document formatting.

10. Intellectual Property

10.1 Top Margin retains the intellectual property rights over all created documents. Use of these documents for purposes of plagiarism is strictly prohibited and may result in legal action.

10.2 Post May 2018, written consent will be obtained from Clients for using their documents as anonymised samples.

11. Client Responsibility

It is the Client’s responsibility to provide all requested information and to cooperate with Top Margin to achieve the most effective outcome.

12. Governing Law

This Agreement shall be governed by the laws of the State of Victoria, Australia.


Your Privacy

Privacy Policy for Top Margin


We are Top Margin, and our website is accessible at https://www.topmargin.com. This Privacy Policy aims to outline how we collect, utilise, and safeguard your personal data. We are committed to protecting your privacy in accordance with applicable Australian privacy laws and regulations.

Information Collection and Utilisation

  1. General Information Requests:
  • Purpose: To fulfil your requests for information, products, or services.
  • Data Collected: Contact details such as name and email address.
  • Retention: Until the fulfilment of the request.
  1. Promotions and Newsletters:
  • Purpose: To send you promotional materials or newsletters that you opt-in to receive.
  • Data Collected: Email address and explicit consent for newsletters.
  • Retention: Until you opt out; an opt-out option is available in each communication.
  1. Resume Development Services:
  • Purpose: To create documents that you contract us to produce.
  • Data Collected: Professional and personal information such as educational background, employment history, achievements, and contact details.
  • Retention: Permanently, unless deletion is requested. Should Gayle Howard close Top Margin, all files will be permanently deleted. 


We maintain robust physical, electronic, and procedural safeguards to protect your data. Access to your documents is limited to instances where you request the retrieval or updating of said documents.

Your Rights Over Your Data

You may request an exported file of your personal data stored by us, or request that we erase any personal data we hold about you. The latter does not apply to data we are legally obligated to retain.

Data Sharing Policy

Your IP address is included in password reset emails. We do not share your personal data with any third-party entities, unless expressly permitted by you in writing.

Data Retention

Comments and their metadata are retained indefinitely for follow-up purposes. Registered users’ data are also retained, subject to your viewing and editing controls.

Comments and Public Posts

We collect information displayed in comment forms, your IP address, and browser information for spam detection purposes.

Encryption and Financial Transactions

We employ SSL encryption and take additional security measures including tokenisation for credit card processing. All financial transactions are handled exclusively by accredited third-party services like PayPal, Stripe, WISE, and PIN Payments.

Third-Party Interactions

We do not share your information for promotional purposes nor do we post or distribute any personally identifiable information.

Resume Samples

We may use heavily fictionalised resume samples for internal use or for competitions. Starting from May 2018, explicit written permission will be sought from clients for this practice.


Our site uses cookies for various functional and tracking purposes. These cookies are retained for one year, with some exceptions based on your browser settings and login preferences.

Embedded Content and External Links

Embedded content from other sites is treated as if you have visited those sites directly, and may be subject to third-party tracking and data collection policies.


For any queries regarding this Privacy Policy, please contact us.

By using our website, you consent to our Privacy Policy.