Terms and Conditions

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement.

These terms constitute a legally binding agreement between you and cefulorkalpallian.

Definitions

For the purposes of these Terms and Conditions:

• Service:: Refers to the financial planning consultation services provided by cefulorkalpallian
• User:: Any individual who accesses or uses our website and services
• Content:: All information, text, graphics, and materials available on this website
• Company:: Refers to cefulorkalpallian, the provider of these services

Use of Our Service

Your use of our service is subject to the following conditions:

Eligibility

You must be at least 18 years of age to use our services and enter into this agreement.

18+ only

Account Responsibilities

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

Acceptable Use Policy

You agree not to use our service for any unlawful purpose or in any way that could damage our reputation or services. Prohibited activities include:

• Providing false or misleading information during consultations
• Attempting to gain unauthorized access to our systems or data
• Using our services for illegal financial activities
• Harassing or threatening our staff or other clients
• Violating any applicable laws or regulations

Intellectual Property Rights

All content, trademarks, and intellectual property on this website are owned by cefulorkalpallian and protected by Australian and international copyright laws.

We grant you a limited, non-exclusive license to access and use our website for personal, non-commercial purposes.

By submitting content to us, you grant cefulorkalpallian a non-exclusive license to use, reproduce, and distribute such content for service delivery purposes.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use your personal information.

We collect and process personal information in accordance with the Privacy Act 1988 and Australian Privacy Principles.

Payment Terms and Conditions

Our subscription service is billed monthly at $250 AUD. Payments are due in advance and are non-refundable except as required by Australian Consumer Law.

Refunds may be considered on a case-by-case basis within 14 days of initial payment, subject to our assessment of service delivery.

All prices include GST where applicable. Representative APR varies based on payment method and billing arrangements.

Disclaimers and Warranties

Our services are provided on an "as is" basis without warranties of any kind, either express or implied.

We do not warrant that our services will be uninterrupted, error-free, or meet your specific requirements.

Individual results may vary and we make no guarantee of specific financial outcomes.

Limitation of Liability

Our liability is limited to the extent permitted by Australian law, including the Competition and Consumer Act 2010.

To the maximum extent permitted by law, cefulorkalpallian shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Our total liability to you for any claim shall not exceed the amount you paid for our services in the 12 months preceding the claim.

Indemnification

You agree to indemnify cefulorkalpallian against any claims arising from your use of our services or violation of these terms.

Termination

Either party may terminate the service agreement with 30 days written notice. We may terminate immediately for breach of these terms.

Upon termination, your access to our services will cease, but these terms will remain in effect regarding past use.

Dispute Resolution

Any disputes arising from these terms will be resolved through the following process:

Governing Law and Jurisdiction

These terms are governed by the laws of Australia, specifically Commonwealth and Victorian state law.

Australian courts have exclusive jurisdiction over any legal proceedings arising from these terms.

Changes to Terms

We reserve the right to modify these terms at any time with reasonable notice to users.

Material changes will be communicated via email or prominent website notification at least 30 days before taking effect.

Severability

If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and cefulorkalpallian regarding use of our services.

Contact Information for Terms

For questions regarding these Terms and Conditions, please contact us: