Terms and Conditions of Service

Welcome to Our Service Terms

These Terms and Conditions govern your use of claruseonix's financial planning consultation services and website. Please read these terms carefully before using our services or submitting any information through our website. By accessing our website or engaging our consultation services, you agree to be bound by these terms.

Your acceptance of these terms creates a legally binding agreement between you and claruseonix. If you do not agree with any part of these terms, please discontinue use of our services immediately.

Definitions and Key Terms

For clarity and consistency throughout these terms, the following definitions apply:

• "Services": Refers to all financial planning consultation services, website content, and related communications provided by claruseonix
• "Client" or "You": Refers to any individual or entity using our website or engaging our consultation services
• "Personal Information": Any information relating to an identified or identifiable individual, including financial data shared during consultations
• "Consultation": Professional discussions about financial planning matters, whether conducted in person, by phone, or through digital communication

Eligibility and Service Access

Our services are available to individuals who meet the following criteria:

• Must be at least 18 years of age and legally capable of entering into binding agreements
• Must provide accurate and complete information when requested for consultation purposes
• Must be physically located in Australia or hold Australian residency for regulatory compliance

Description of Our Services

claruseonix provides personalized financial planning consultation services designed to help clients understand their financial options and develop practical approaches to achieving their financial goals. Our services include budget analysis, retirement planning discussions, debt management strategies, and general financial guidance.

Our consultations are educational and analytical in nature. We do not provide specific investment recommendations, manage client assets, or offer regulated financial advice as defined under Australian financial services legislation.

Your Responsibilities as a Client

To ensure effective consultation sessions and maintain professional standards, you agree to:

• Provide accurate, complete, and truthful information about your financial situation and goals
• Attend scheduled consultations on time or provide reasonable notice for rescheduling
• Maintain confidentiality of any proprietary methods or materials shared during consultations
• Make your own financial decisions and conduct appropriate due diligence before implementing any strategies
• Notify us promptly of any changes in your circumstances that may affect our consultation discussions

Prohibited Activities and Uses

To protect all clients and maintain service quality, the following activities are strictly prohibited:

• Using our services for illegal activities or any purpose that violates Australian law
• Attempting to record consultations without explicit written consent from all parties
• Sharing confidential information about our methods or other clients' situations
• Using our services to obtain information for competitive purposes or commercial espionage
• Misrepresenting your identity, financial situation, or intentions when engaging our services

Intellectual Property Rights

All content, methodologies, analysis frameworks, and materials provided during consultations or through our website remain the exclusive intellectual property of claruseonix and its licensors.

Copyright 2025 claruseonix. All rights reserved under Australian and international copyright law.

Privacy and Personal Information

Protection of your personal information is fundamental to our service relationship. We collect, use, and protect your information in accordance with Australian privacy laws and professional standards.

Our complete privacy practices are detailed in our Privacy Policy, which forms an integral part of these terms and should be reviewed carefully. Privacy Policy

Payment Terms and Billing

Our subscription-based service operates under the following payment terms:

• Monthly subscription fee of $250 AUD is charged in advance on your billing date
• All fees are inclusive of GST where applicable and must be paid through our secure payment system
• Failed payments may result in service suspension until account balance is resolved

Cancellation and Refund Policy

You may cancel your subscription at any time by providing 30 days written notice. Cancellation takes effect at the end of your current billing period, and you retain access to services until that date.

Refunds are not provided for partial months or unused consultation time. All sales are final, and subscription fees are non-refundable once charged to your account.

Limitation of Liability

To the fullest extent permitted under Australian law, our liability is limited as follows:

We exclude all liability for indirect, consequential, special, or punitive damages, including but not limited to lost profits, business interruption, or financial losses resulting from consultation discussions.

Client Indemnification

You agree to indemnify claruseonix and its employees against any claims, damages, or expenses arising from your use of our services, violation of these terms, or financial decisions made based on consultation discussions.

Dispute Resolution

We are committed to resolving any disputes efficiently and fairly through the following process:

We encourage direct communication to resolve concerns before initiating formal dispute resolution procedures.

Governing Law and Jurisdiction

These terms are governed by the laws of Victoria, Australia, and any disputes shall be subject to the exclusive jurisdiction of Victorian courts. Australian consumer protection laws apply where relevant, and these terms do not limit your statutory rights under Australian Consumer Law.

Severability of Terms

If any provision of these terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be replaced with a valid provision that achieves the same intended purpose.

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and any specific service agreements, constitute the complete agreement between you and claruseonix regarding the use of our services. No oral agreements or understandings shall modify these written terms.

Changes to Terms

We reserve the right to modify these terms at any time to reflect changes in our services, legal requirements, or business practices. Updated terms will be posted on our website with an updated effective date.

Your continued use of our services after terms have been updated constitutes acceptance of the modified terms. We recommend reviewing these terms periodically to stay informed of any changes.

Termination of Services

Either party may terminate the service relationship at any time with appropriate notice. We reserve the right to immediately terminate services for violations of these terms, illegal activities, or abusive behavior toward our staff.

Provisions relating to intellectual property, limitation of liability, indemnification, and dispute resolution shall survive termination of the service relationship.

Legal Questions and Contact Information

For questions about these Terms and Conditions or legal matters relating to our services, please contact us at: