therixora - Professional Financial Planning Solutions for Australians

Acceptance of Terms

By accessing our website, submitting contact forms, scheduling consultations, or engaging with our services in any capacity, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions along with our Privacy Policy and Cookie Policy. If you do not agree with any part of these terms, you should discontinue use of our website and services immediately. Your continued use constitutes ongoing acceptance of these terms as they may be updated from time to time.

Definitions

For purposes of these Terms and Conditions, the following definitions apply throughout this document:

Services refers to all consultation services, analytical reviews, guidance sessions, ongoing advisory support, website content, tools, resources, and any other offerings provided by therixora.sbs to clients and prospective clients through any channel including in-person meetings, virtual consultations, telephone discussions, or electronic communications.

User, you, or your refers to any individual or entity accessing our website, engaging with our content, submitting inquiries, scheduling consultations, or receiving services from therixora.sbs in any capacity including prospective clients, active clients, website visitors, or other parties interacting with our organization through any available channel.

We, us, our, or the Company refers to therixora.sbs, its owners, employees, contractors, representatives, and affiliates involved in providing services or maintaining website operations in any capacity including administrative support, technical infrastructure, or professional consultation delivery to users and clients.

Content includes all text, graphics, images, data, information, advice, guidance, analysis, documentation, materials, and intellectual property available through our services or website regardless of format or delivery method.

Service Usage Terms

Our services are intended to provide consultative guidance and analytical reviews to help users understand their financial circumstances and explore potential approaches. Services do not constitute formal financial advice and should not be relied upon as the sole basis for significant financial decisions without independent verification and consideration of individual circumstances by qualified professionals appropriate to your situation.

Eligibility

Our services are available to individuals aged eighteen years or older who are residents of Australia and have legal capacity to enter into binding agreements. By using our services, you represent and warrant that you meet these eligibility requirements. Organizations engaging our services represent that the individual accessing services on their behalf has appropriate authority to bind the organization to these terms.

We reserve the right to refuse service to anyone for any lawful reason.

Your Responsibilities as User

When using our services and website, you agree to the following responsibilities and obligations:

Provide accurate, complete, and truthful information when submitting inquiries, completing forms, or participating in consultations, recognizing that the quality of guidance depends significantly on the accuracy of information you provide to our professionals during interactions.

Maintain confidentiality of any login credentials or account access information provided to you, taking responsibility for all activities that occur under your account and notifying us immediately of any unauthorized use or security breaches you become aware of during your use of services.

Use services only for lawful purposes and in accordance with these terms, refraining from any activities that could damage, disable, overburden, or impair our website or interfere with any other party's use and enjoyment of our services or website functionality.

Respect intellectual property rights of our content by not reproducing, distributing, modifying, or creating derivative works without explicit written permission, acknowledging that unauthorized use may result in termination of access and potential legal action to protect our proprietary information and materials.

Prohibited Uses

You explicitly agree not to engage in any of the following prohibited activities when using our services or website:

Using our services or website for any illegal purpose or in violation of any local, state, national, or international law or regulation applicable in your jurisdiction or ours.

Transmitting any harmful code including viruses, malware, trojans, worms, or other malicious software that could damage, interfere with, or compromise our systems, data, or operations or those of other users.

Attempting to gain unauthorized access to our systems, networks, data, or accounts through hacking, password mining, or any other illegitimate means including exploitation of security vulnerabilities.

Impersonating any person or entity, falsely stating or misrepresenting your affiliation with any person or organization, or providing false information about your identity or circumstances during service interactions.

Collecting or harvesting personal information about other users, scraping website content systematically, or using automated tools to access our services without explicit written permission from our organization.

Intellectual Property Rights

All content on our website and provided through our services including text, graphics, logos, images, documentation, software, analysis frameworks, consultation materials, and other intellectual property is owned by or licensed to therixora.sbs and protected by Australian and international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use our services and website content for personal, non-commercial purposes only. This license does not include any right to reproduce, distribute, modify, create derivative works, publicly display, or otherwise exploit our content without explicit written permission.

User-Generated Content

When you submit information, messages, inquiries, or other content through our website or during consultations, you grant us a non-exclusive, worldwide, royalty-free license to use, store, process, and transmit such content as necessary to provide services, maintain records, and fulfill our obligations under these terms and applicable law. You represent that you have rights to submit such content and that it does not violate any third-party rights or applicable laws.

Your Content Ownership and Rights

You retain ownership of information you provide to us during consultations. However, you acknowledge that analysis, insights, recommendations, and documentation we create based on your information constitute our intellectual property. We may use anonymized, aggregated data derived from consultations for research, service improvement, and industry analysis purposes while maintaining individual client confidentiality as described in our Privacy Policy.

Privacy and Data Protection

Your privacy is important to us and we are committed to protecting your personal information in accordance with applicable Australian privacy laws including the Privacy Act 1988 and Australian Privacy Principles. Our collection, use, storage, and sharing of personal information is governed by our separate Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our privacy practices as described in that policy. We encourage you to review the Privacy Policy carefully to understand how we handle your personal information throughout our professional relationship.

Privacy Policy

Service Disclaimers and Limitations

Please carefully review the following important disclaimers regarding our services and content:

No Guarantee of Results

We provide consultative guidance and analytical reviews but cannot and do not guarantee any specific outcomes, results, or financial improvements from using our services. Individual results vary significantly based on personal circumstances, effort, discipline, market conditions, and numerous other factors outside our control. Past performance does not indicate future results. Results may vary based on individual circumstances and external factors beyond our reasonable control.

Limitation of Liability

To the fullest extent permitted by law, therixora.sbs and its owners, employees, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages including loss of profits, revenue, data, or other intangible losses resulting from your use of or inability to use our services, even if we have been advised of the possibility of such damages. Our total liability for any claims arising from these terms or your use of services shall not exceed the amount you paid us for services in the six months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless therixora.sbs and its owners, employees, contractors, affiliates, and representatives from any claims, damages, losses, liabilities, costs, and expenses including reasonable legal fees arising from your use of our services, violation of these terms, infringement of any third-party rights, or provision of false or misleading information during consultations or website interactions. This indemnification obligation survives termination of these terms and your use of our services.

Dispute Resolution Procedures

In the event of any dispute, controversy, or claim arising from these terms or our services, the following procedures apply:

Arbitration

Any disputes that cannot be resolved through good-faith negotiation shall be submitted to binding arbitration in accordance with the rules of a recognized arbitration body in Australia. The arbitration shall be conducted in the jurisdiction where our business operates. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction. Each party shall bear its own costs of arbitration.

You acknowledge that by agreeing to arbitration, you are waiving the right to pursue claims in court before a judge or jury, though certain statutory rights may not be waivable under applicable law.

Online Dispute Resolution for EU Visitors

If you are accessing our services from the European Union, you may have access to the European Commission's Online Dispute Resolution platform for resolving disputes. While we are based in Australia, we acknowledge this option for EU visitors who may have concerns about our services or these terms.

EU ODR Platform Information

Severability

If any provision of these Terms and Conditions is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions, which shall continue in full force and effect to the maximum extent permitted by applicable law. Invalid provisions shall be interpreted to accomplish the original intent to the extent possible under law.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and therixora.sbs regarding use of our services and website, superseding any prior agreements, communications, or understandings whether written or oral. No waiver of any provision of these terms shall be deemed a further or continuing waiver of such provision or any other provision.

Applicable Law and Jurisdiction

These Terms and Conditions are governed by the laws of Australia and specifically the laws of the state or territory where our business operates, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of courts in that jurisdiction for resolution of any disputes not subject to arbitration under these terms.

Termination

We reserve the right to suspend or terminate your access to our services and website at any time, with or without notice, for any reason including but not limited to violation of these terms, provision of false information, inappropriate conduct, or for any other reason we deem appropriate in our sole discretion. Upon termination, your right to use services ceases immediately, though certain provisions of these terms including disclaimers, limitations of liability, and indemnification shall survive termination and continue in effect.

Modifications

We reserve the right to modify these Terms and Conditions at any time by posting updated terms on our website with a revised effective date. Material changes will be highlighted when you next visit our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms. We encourage you to review these terms periodically to stay informed about your rights and obligations when using our services.

Contact Information for Questions

If you have questions about these Terms and Conditions or need clarification regarding any provisions, please contact us using the following information:

Email Address: content@therixora.sbs

Phone Number: +61 7 6335 7368

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

Terms and Conditions of Service