Terms and Conditions of Service

Please read these terms carefully before using our subscription-based financial planning services. By accessing this website, you agree to comply with the following terms.

September 28, 2025

Acceptance of Terms

Accessing or using our website or services constitutes your agreement to be bound by these terms. If you do not agree, please discontinue use. These terms apply to all visitors, users, and customers.

Definitions

Key terms used throughout these conditions are defined here for clarity.

'Service' refers to our subscription-based financial planning and support as described on this website.

'User' means any individual accessing or using the website or services.

'Plan' means the paid subscription for ongoing financial consultation and related support.

'We', 'us', 'our' means the operators of this website.

Use of Services

You agree to use our services for lawful purposes only and not to misuse or misrepresent information provided herein.

Eligibility

You must be at least 18 years old and legally able to enter agreements to use our services.

Services are not available to minors.

User Responsibilities

By subscribing, you agree to provide accurate information and maintain confidentiality of your account.

Provide true and complete details when registering or communicating with us.
Maintain the security of your account credentials and notify us of unauthorised use.
Use the service only for your own planning needs; sharing or reselling access is prohibited.
Comply with all applicable laws and these terms.

Prohibited Uses

Certain activities are strictly not allowed.

Using the service for unlawful or fraudulent purposes.
Attempting to gain unauthorised access to systems or data.
Disrupting service operation or compromising security.
Posting or transmitting false, misleading, or harmful content.
Violating any applicable law or regulation.

Intellectual Property Rights

All content, branding, and materials on this website are our intellectual property. You may not copy, modify, or distribute content without written permission, except as required for personal use related to the service.

User Content

If you submit content or feedback, you grant us a non-exclusive right to use it for service improvement.

Your Rights to Content

You retain ownership of your submitted content, but agree it may be used by us as outlined above.

Privacy Commitment

Your information is handled according to our Privacy Policy. Please review the policy for details on data collection and use.

Read Privacy Policy

Disclaimer Statement

Our service provides general consultation and information only.

Results May Vary

Outcomes depend on your circumstances, and no specific results are promised.

Limitation of Liability

We are not liable for losses arising from reliance on our service or site content. Use is at your own risk.

Indemnification

You agree to indemnify us against claims from breach of these terms or misuse of the service.

Dispute Resolution Process

Disputes will be addressed through good faith discussions. If unresolved, further steps apply.

Arbitration

Unresolved disputes may be referred to binding arbitration under Australian law.

Arbitration location and rules will be communicated if needed.

Online Dispute Resolution

You may use the Australian online dispute resolution platform where available.

More about dispute resolution

Severability

If a term is deemed invalid, the rest remain in effect.

Entire Agreement

These terms and referenced policies constitute the entire agreement between you and us.

Applicable Law and Jurisdiction

These terms are governed by the laws of Australia. Disputes are subject to Australian courts.

Termination

We may suspend or terminate access for breach of these terms or unlawful activity, with notice where possible.

Modifications

We may update these terms at any time. Continued use means acceptance of new terms.

Contact For Terms

Questions about these terms? Contact us for clarification.

Email Address: content@cirelzoariqo.com

Phone: +61-8-7878-1260

Office Address: 17 Gould Road, Herston, QLD 4006 Australia

Effective Date: September 28, 2025

Version: v2