Terms and Conditions of Service

These terms govern your use of caluntherix’s website and services. Please review them carefully, as access and participation in our consultations imply agreement to these provisions.

October 17, 2025

Acceptance of Terms

By accessing or using the caluntherix website or arranging a consultation, you confirm that you understand and accept these terms and any related policies referenced herein. If you do not agree, please discontinue use immediately. We may update terms from time to time with notice.

Definitions

Key terms help clarify expectations throughout your experience.

‘Services’ refer to value-based budgeting discussions, analytical reviews, and support for aligning your finances with your principles.

‘User’ means any person who accesses or interacts with our site or team for advice or support.

‘Consultation’ means any session or communication where personalised insights are offered by our team to you.

‘Content’ covers website material, guidance, and resources provided for your personal use.

Use of Our Services

Our services are intended for informational and guidance purposes only, tailored to each individual but not financial planning advice or investment recommendations.

Eligibility

This site and its services are for Australian residents over 18 years of age who can legally enter into binding agreements.

Not available to minors or non-residents of Australia.

User Responsibilities

We ask that you use our services in accordance with legal norms and ethical expectations.

Provide accurate, current, and complete information during your engagement with us.
Only use advice and content for your personal financial clarity and not for commercial gain.
Abide by all relevant laws and refrain from unlawful use of any materials.
Inform us of any suspected misuse, breaches, or security concerns involving your account.

Prohibited Actions

Certain behaviours are not allowed on our site or platforms.

Providing false or misleading personal information.
Attempting unauthorised access to our systems, data, or other user accounts.
Uploading or transmitting harmful code, viruses, or similar destructive materials.
Impersonating others or misrepresenting your association with caluntherix.
Prohibited use of content for commercial or public distribution without consent.

Intellectual Property Rights

All content, designs, text, graphics, and materials (unless otherwise stated) are the exclusive property of caluntherix or its licensors. You may not reproduce, distribute, or create derivative works without express written consent. Proper acknowledgement is required where permitted by law.

Contributions by Users

If you provide feedback or non-personal content, you give us permission to use it to improve our services and communications.

User Content Rights

You retain ownership of your content but grant caluntherix a license to use, display, and adapt it as needed to deliver and improve services.

Privacy and Data Handling

Our privacy practices are detailed in our policy, which explains how information is collected and managed. Please review before proceeding to ensure you are comfortable with our data usage.

See privacy policy

Important Disclaimers

Guidance and resources are provided for informational purposes only. Results may vary from person to person.

Risk Statement

No results can be promised or assured. Past performance does not guarantee future outcomes. Decisions are your responsibility.

Limitation of Liability

caluntherix is not liable for indirect, incidental, or consequential damages. Services are offered without representations or warranties beyond those required by law.

Indemnification

You agree to indemnify and hold harmless caluntherix, its staff, and partners against any claims, liabilities, or expenses resulting from your use of our services in violation of these terms or applicable laws.

Dispute Resolution Process

Most issues are resolved amicably—if not, this section applies.

Arbitration

Disputes that cannot be settled directly will be referred to binding arbitration in Australia, according to applicable laws.

You waive rights to court proceedings except as permitted under Australian law.

Online Dispute Resolution

You can find resources or submit certain disputes through official online dispute services.

Official dispute portal

Severability

If any term is found unenforceable, the remainder will remain valid and enforceable to the fullest extent permitted.

Entire Agreement

These terms and related policies constitute the entire understanding between you and caluntherix regarding your use of services and website.

Applicable Law and Jurisdiction

These terms are governed by Australian law, and disputes must be resolved under Australian jurisdiction.

Termination

We may suspend or terminate your account for breach of terms, fraud, or legal reasons. You may discontinue use at any time.

Changes

Updates or changes to these terms will be communicated clearly and become effective upon posting on this site.

Contacting caluntherix

Please reach out for questions or clarifications regarding these terms or their application.

Contact email: content@caluntherix.com

Phone number: +61899304325

Address: Tower 2, 201 Sussex Street, Sydney, NSW 2000 Australia

Effective date of terms: October 17, 2025

Version: 2.0