Terms of Use | sparkle-ripple

Agreement to Terms

By accessing and using the sparkle-ripple website, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Use of Website

This website is intended to provide information about our retirement planning and financial advisory services. You may use this website for lawful purposes only.

Prohibited Uses

You agree not to:

Use the website in any way that violates applicable laws or regulations
Attempt to gain unauthorized access to any part of the website or related systems
Interfere with or disrupt the website or servers
Transmit any viruses, malware, or harmful code
Collect or harvest personal information about other users
Use automated systems to access the website without permission

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of sparkle-ripple or its content suppliers and is protected by Australian and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this website without express written permission.

Financial Advice Disclaimer

Information provided on this website is general in nature and does not constitute personalized financial advice. It should not be relied upon as a substitute for professional consultation.

Any financial advice provided through our services is subject to a separate engagement agreement and is tailored to your individual circumstances.

No Warranty

This website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

Merchantability
Fitness for a particular purpose
Non-infringement
Accuracy or completeness of content
Uninterrupted or error-free operation

Limitation of Liability

To the fullest extent permitted by law, sparkle-ripple shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

Your use or inability to use the website
Any unauthorized access to or use of our servers
Any bugs, viruses, or similar harmful components
Any errors or omissions in website content

External Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. You access third-party websites at your own risk.

User Submissions

Any information, feedback, or materials you submit through this website may be used by sparkle-ripple for business purposes, subject to our Privacy Policy. You grant us a non-exclusive, royalty-free license to use such submissions.

Indemnification

You agree to indemnify and hold harmless sparkle-ripple, its officers, employees, and agents from any claims, damages, losses, or expenses arising from your use of the website or violation of these Terms of Use.

Modification of Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website following any changes constitutes acceptance of the modified terms.

Termination

We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including breach of these Terms of Use.

Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or use of the website shall be subject to the exclusive jurisdiction of the courts of New South Wales.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and sparkle-ripple regarding use of the website.

Contact Information

If you have questions about these Terms of Use, please contact us at:

Email: [email protected]
Address: Level 12, 45 Clarence Street, Sydney NSW 2000, Australia