Terms and Conditions

Acceptance of Terms

By accessing our website or engaging our consultation services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

If you do not agree with any part of these terms, you should not use our services or website.

Definitions and Interpretations

For the purposes of these terms, the following definitions apply:

• Services: Financial planning consultation services, website access, and related support provided by calenanova
• Client: Any individual or entity that engages our consultation services or uses our website
• Consultation: Scheduled sessions focused on financial planning analysis and guidance
• Agreement: These terms and conditions, along with any service-specific agreements

Use of Services

Our services are provided subject to the following conditions and restrictions.

Service Eligibility

Our consultation services are available to individuals aged 18 and over who can enter into legally binding agreements.

18+ only

Client Responsibilities

• Provide accurate information during consultation sessions
• Attend scheduled consultations or provide reasonable notice for changes
• Maintain confidentiality of any proprietary methodologies discussed

Prohibited Activities

The following activities are strictly prohibited:

• Using services for illegal purposes or in violation of applicable laws
• Sharing consultation materials or proprietary information without authorization
• Attempting to reverse-engineer or duplicate our consultation methodologies
• Using information provided to compete directly with our services
• Making unauthorized recordings of consultation sessions

Intellectual Property Rights

All content, methodologies, and materials provided through our services remain the intellectual property of calenanova and are protected by applicable copyright and trademark laws.

Clients receive limited, non-transferable rights to use information provided during consultations for their personal financial planning purposes only.

Privacy and Data Protection

Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy and applicable privacy legislation.

Please review our Privacy Policy for detailed information about data collection, use, and protection practices. Privacy Policy

Service Disclaimers

Consultation services provide general guidance and analysis for educational purposes. All information is provided "as is" without warranties of accuracy, completeness, or fitness for any particular purpose.

Past performance does not guarantee future results. Individual results may vary based on personal circumstances, market conditions, and implementation of discussed strategies.

Limitation of Liability

To the fullest extent permitted by law, calenanova's liability for any claims arising from consultation services is limited to the fees paid for the specific service that gave rise to the claim.

We shall not be liable for indirect, consequential, or punitive damages arising from use of our services or reliance on information provided during consultations.

Some jurisdictions do not allow limitation of certain damages, so these limitations may not apply to all clients.

User Indemnification

Users agree to indemnify and hold harmless calenanova, its representatives, and affiliates from any claims, damages, or expenses arising from their use of our website or consultation services, including any decisions made based on information or guidance received.

Dispute Resolution Process

We are committed to resolving disputes through fair and efficient processes.

Service Termination

Either party may terminate consultation services with reasonable notice. Clients remain responsible for fees related to services already provided.

We reserve the right to terminate services immediately if clients violate these terms or engage in prohibited activities.

Governing Law

These terms are governed by Australian law and subject to the jurisdiction of Australian courts.

State and territory consumer protection laws may provide additional rights that cannot be excluded or modified.

Terms Modifications

We may update these terms periodically to reflect changes in our services, legal requirements, or industry practices.

Material changes will be communicated through our website or direct notification to active clients. Continued use of services constitutes acceptance of updated terms.

Complete Agreement

These terms, along with our Privacy Policy and any service-specific agreements, constitute the complete agreement between parties and supersede all prior understandings or agreements.

Contact Information

For questions about our cookie policy or privacy practices, please contact our privacy team using the information provided in our main contact section.