Terms and Conditions

Agreement to Terms

These Terms and Conditions govern your use of calyphoradia's website and services. By accessing our website or using our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our website or services.

Definitions

For the purposes of these Terms and Conditions:

  • "Service" refers to the financial planning consultation and advisory services provided by calyphoradia
  • "User" or "Client" refers to any individual who accesses or uses our website or services
  • "Content" refers to all information, text, graphics, and materials available on our website
  • "Agreement" refers to these Terms and Conditions and any other policies referenced herein

Use of Our Services

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

Permitted Uses

  • Use our services for legitimate financial planning consultation purposes
  • Provide accurate and truthful information during consultations
  • Comply with all applicable laws and regulations

Prohibited Uses

  • Use our services for any unlawful or unauthorized purpose
  • Attempt to gain unauthorized access to our systems or data
  • Interfere with or disrupt the integrity or performance of our services
  • Use our services to transmit any harmful or malicious content

User Responsibilities

As a user of our services, you agree to:

  • Provide accurate and complete information for all consultations and communications
  • Maintain the confidentiality of any account credentials or access information
  • Notify us immediately of any unauthorized use of your account
  • Comply with all applicable laws and regulations in your use of our services

Intellectual Property Rights

All content, features, and functionality on our website are owned by calyphoradia and are protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without express written permission.

Privacy and Data Protection

Your privacy is important to us. The collection and use of your personal information is governed by our Privacy Policy.

Please review our Privacy Policy to understand how we handle your personal information.

Payment Terms

For our subscription services and consultations:

  • Subscription fees are billed monthly at $250 AUD including GST (Representative APR variable)
  • Payment is due at the beginning of each billing cycle
  • Refunds are subject to our discretionary review and applicable law

Termination

This agreement may be terminated under the following circumstances:

Termination by You

You may terminate your use of our services at any time by contacting us or discontinuing use of our website.

Termination by Us

We may terminate or suspend your access to our services immediately if you breach these terms or for other legitimate business reasons.

Disclaimers and Warranties

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

We disclaim all warranties including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the fullest extent permitted by Australian law, calyphoradia shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

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

Dispute Resolution

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

Australian Dispute Resolution

Disputes will be resolved under Australian law through recognized industry dispute resolution channels where appropriate.

We participate in industry ombudsman schemes and alternative dispute resolution processes as required by our regulatory framework.

Complaints Process

For complaints about our services, please contact us directly first. If unresolved, you may access external dispute resolution services.

Australian Financial Complaints Authority

Governing Law

These terms are governed by and construed in accordance with the laws of Australia.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website.

We will notify users of significant changes through our website or direct communication where appropriate.

Entire Agreement

These terms constitute the entire agreement between you and calyphoradia regarding the use of our services and supersede all prior agreements and understandings.

Contact Information

If you have questions about these terms, please contact us using the information provided on our website.

calyphoradia

127 Collins Street, Melbourne VIC 3000

Email Address: contact@calyphoradia.world

Phone Number: +61 608 595 781

Effective Date: August 28, 2025

Last Updated: September 2, 2025