Terms and Conditions of Service

These terms and conditions govern your use of our financial planning consultation services and website. By engaging with our services, you agree to be bound by these terms.

These terms were last updated on September 26, 2025

Acceptance of Terms

By scheduling a consultation, using our website, or engaging with our services in any manner, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you should not use our consultation services.

Definitions

For purposes of these terms, the following definitions apply:

• Service refers to the financial planning consultation services, website, and related resources provided by qarivosent, including complimentary consultations and ongoing guidance sessions.
• User, you, or your refers to any individual who accesses our website, schedules consultations, or otherwise engages with our services in any capacity.
• We, us, or our refers to qarivosent and its representatives, consultants, employees, and authorized agents providing consultation services.
• Content refers to all information, materials, guidance, and resources provided through consultations, website, emails, or other communication channels.

Use of Services

Our consultation services are intended for personal use by individuals seeking financial planning guidance. You may not use our services for commercial purposes, resale, or on behalf of third parties without explicit written permission from us.

Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding agreements under Australian law to use our consultation services. By using our services, you represent and warrant that you meet these eligibility requirements.

Services are provided primarily to Australian residents and consider Australian regulatory context.

Your Responsibilities

When using our consultation services, you agree to:

• Provide accurate, complete, and truthful information during consultations to enable us to offer relevant guidance tailored to your actual circumstances.
• Maintain confidentiality of any login credentials or access information provided for secure areas of our website or client portal.
• Use consultation services in good faith for their intended purpose of obtaining financial planning guidance and not for fraudulent or unlawful activities.
• Notify us promptly of any changes to your contact information or circumstances that may affect the relevance of guidance provided during consultations.

Prohibited Uses

You may not use our services to:

• Violate any applicable Australian laws, regulations, or third-party rights including privacy laws, consumer protection regulations, or intellectual property rights.
• Transmit harmful code, viruses, or malicious software through our website or communication channels, or attempt to gain unauthorized access to systems.
• Impersonate others, provide false information, or misrepresent your identity, affiliation, or circumstances during consultations or website interactions.
• Collect or harvest information about other users, consultants, or clients without authorization, or use services to spam or send unsolicited communications.
• Reproduce, distribute, modify, or create derivative works from our content, materials, or proprietary consultation methodologies without explicit written permission.

Intellectual Property Rights

All content, materials, methodologies, and resources provided through our consultation services remain the intellectual property of qarivosent. This includes but is not limited to consultation frameworks, guidance materials, website content, logos, and proprietary processes. You may not reproduce, distribute, or commercialize our intellectual property without written authorization.

Information You Provide

You retain ownership of personal and financial information you share during consultations. By providing information, you grant us permission to use it for the purpose of delivering consultation services and improving our offerings.

Privacy and Data Protection

We are committed to protecting your privacy and personal information in accordance with Australian Privacy Principles and applicable data protection laws. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which you should review carefully before using our consultation services. View Privacy Policy

Disclaimers and Limitations

Please be aware of the following important disclaimers:

Limitation of Liability

To the fullest extent permitted by Australian law, we shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of consultation services or reliance on guidance provided during sessions.

Indemnification

You agree to indemnify, defend, and hold harmless qarivosent, its consultants, employees, and representatives from any claims, damages, losses, or expenses arising from your use of services, violation of these terms, or infringement of third-party rights.

Dispute Resolution and Governing Law

These terms are governed by Australian law, and disputes will be resolved as follows:

Governing Law and Jurisdiction

These terms are governed by and construed in accordance with the laws of Australia. You agree to submit to the exclusive jurisdiction of Australian courts for resolution of disputes.

Termination

We reserve the right to suspend or terminate your access to consultation services at any time if you violate these terms or engage in conduct we deem inappropriate or harmful to our business or other clients.

Modifications

We reserve the right to modify these terms at any time. Changes become effective upon posting to our website with an updated effective date. Continued use of consultation services after modifications constitutes acceptance of revised terms.

Severability

If any provision of these terms is found unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to reflect the parties' intention, and remaining provisions shall continue in full force.

Entire Agreement

These terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and qarivosent regarding consultation services, superseding any prior agreements or understandings.

Contact Information for Terms

For questions about these terms and conditions, please contact us: