Terms & Conditions
Terms of Service
These terms and conditions govern your use of prismalorexo financial planning services and website.
By using our services, you agree to be bound by these terms and conditions.
Definitions
In these terms, the following definitions apply:
Service:: The financial planning subscription and consultation services provided by prismalorexo
User/Client:: Any individual who subscribes to or uses our services
Content:: All information, advice, and materials provided through our services
Company:: prismalorexo, its employees, contractors, and authorized representatives
Use of Service
When using our services, you agree to:
- Use our services only for lawful purposes and in accordance with these terms
- Provide accurate and complete information during consultations
- Respect the intellectual property rights of our content and materials
- Not misuse or attempt to gain unauthorized access to our systems
User Responsibilities
As a client, you are responsible for:
Account Management
Maintaining the confidentiality of your account information and promptly updating any changes to your personal circumstances
Professional Conduct
Treating our staff and representatives with respect during all interactions and consultations
Legal Compliance
Ensuring that your use of our services complies with all applicable laws and regulations
Prohibited Activities
The following activities are strictly prohibited:
- Using our services for any illegal or unauthorized purpose
- Harassing, threatening, or abusing our staff or other clients
- Sending unsolicited communications or spam through our systems
- Transmitting viruses, malware, or other harmful code
- Providing false or misleading information during consultations
Intellectual Property
All content, materials, and intellectual property provided through our services remain the property of prismalorexo. You may not reproduce, distribute, or create derivative works without express written permission.
All content on this website is protected by Australian copyright law and international treaties. Unauthorized reproduction is prohibited.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these terms.
Full details are available in our Privacy Policy Privacy Policy
Disclaimers
Our services are provided with the following disclaimers:
Services are provided "as is" without warranties of any kind
We make no warranty regarding specific outcomes or results
While we strive for accuracy, we cannot guarantee the completeness of all information
Limitation of Liability
To the fullest extent permitted by Australian law, our liability for any claims arising from our services is limited to the amount paid for services in the 12 months preceding the claim.
In no event shall our total liability exceed AUD $5,000 for any individual claim or series of related claims.
Indemnification
You agree to indemnify and hold harmless prismalorexo from any claims, damages, or expenses arising from your breach of these terms or misuse of our services.
Dispute Resolution
Any disputes arising from these terms or our services will be resolved through the following process:
Internal Resolution
Initial disputes will be addressed through our internal complaint resolution process, with escalation to senior management if necessary.
We aim to resolve complaints within 21 business days of receiving your concern in writing.
External Dispute Resolution
If internal resolution is unsuccessful, external options are available:
Australian Financial Complaints Authority (AFCA) provides free dispute resolution services: Australian Financial Complaints Authority (AFCA)
AFCA can be contacted at info.afca.org.au or 1800 931 678
Termination
Either party may terminate the service relationship:
- You may cancel your subscription with 30 days written notice
- We may terminate services for breach of terms or non-payment
- Upon termination, all rights and obligations cease except those that by their nature should survive
Governing Law
These terms are governed by Australian law, and any disputes will be subject to the exclusive jurisdiction of Australian courts.
Changes to Terms
We may modify these terms from time to time to reflect changes in our services or legal requirements.
Significant changes will be communicated to active subscribers via email or website notification.
Entire Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and prismalorexo regarding our services.
Contact Information
Questions about these terms should be directed to contact@prismalorexo.com or +61 657 146 201.
Effective Date: September 17, 2025
Version 1.2