Terms and Conditions
These terms govern your use of Ephyrosquavina financial consultation services. Please read carefully before using our services.
Effective Date: August 29, 2025
Acceptance of Terms
By accessing our website or using our consultation services, you agree to be bound by these terms and conditions.
These terms create a legally binding agreement between you and Ephyrosquavina Financial Consultants Pty Ltd
Definitions
For clarity, the following terms have specific meanings throughout this agreement:
- "Service": Refers to our financial consultation services, website, and related communications
- "User" or "Client": Any individual who accesses our website or engages our consultation services
- "Content": All information, materials, and resources provided through our services
- "Company", "we", "us": Refers to Ephyrosquavina Financial Consultants Pty Ltd and our authorized representatives
Use of Service
Our consultation services are provided subject to your compliance with these terms and applicable laws.
Eligibility Requirements
You must be at least 18 years old and capable of forming binding contracts to use our services
User Responsibilities
- Provide accurate and complete information during consultations
- Maintain confidentiality of any login credentials or account information
- Use services only for lawful purposes and in accordance with these terms
Prohibited Activities
You agree not to engage in any of the following activities:
- Attempting to gain unauthorized access to our systems or other users' information
- Using our services for fraudulent or illegal purposes
- Sharing confidential consultation content with unauthorized third parties
- Interfering with the proper functioning of our website or services
- Violating any applicable laws or regulations
Intellectual Property Rights
All content, materials, and intellectual property provided through our services remain our exclusive property.
All website content, consultation materials, and proprietary methodologies are protected by copyright
You may not reproduce, distribute, or create derivative works from our content without written permission
User-Generated Content
Any information you provide during consultations or through our website remains subject to these terms.
License to Use
You grant us a limited license to use information you provide for the purpose of delivering consultation services
Content Responsibility
You are responsible for the accuracy and legality of all information you provide to us
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.
Please review our Privacy Policy for detailed information about data handling practices
Disclaimers and Warranties
Our services are provided "as is" without warranties of any kind, express or implied
Our consultation services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
- We do not guarantee specific financial outcomes or results
- Market conditions and personal circumstances may affect the relevance of consultation content
- Our discussions are for informational purposes and do not constitute professional financial advice
Limitation of Liability
To the fullest extent permitted by law, our liability for any claims related to our services is limited.
Our maximum liability shall not exceed the amount paid by you for services in the 12 months preceding any claim
Client Indemnification
Clients agree to indemnify and hold harmless Ephyrosquavina and its representatives from any claims, damages, or expenses arising from their use of our consultation services or decisions made based on discussions during consultations.
Dispute Resolution
Dispute Resolution
Most disputes can be resolved through direct communication. For formal disputes, we encourage mediation before legal proceedings.
Any legal disputes shall be resolved in accordance with Australian law
Disputes will be handled through the appropriate courts or alternative dispute resolution services in Australia
Consumer Protection
Australian Consumer Law provides additional protections that cannot be excluded by these terms.
Contact your local consumer protection office for information about your rights: Australian Competition and Consumer Commission
Service Termination
Either party may terminate the service relationship at any time with appropriate notice.
Upon termination, your access to ongoing consultations will cease, but these terms will continue to apply to past interactions
Governing Law
These terms are governed by the laws of Australia, and any disputes will be resolved in Australian courts.
Modifications to Terms
We may update these terms periodically to reflect changes in our services or legal requirements.
Continued use of our services after term modifications constitutes acceptance of the updated terms
Severability
If any provision of these disclaimers is found unenforceable, the remaining provisions shall continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and Ephyrosquavina.
Contact Information
For questions about these terms or our services, contact us at info@ephyrosquavina.com or +61 7 4635 1912