Terms and Conditions

These terms and conditions govern your use of cavorinexial financial planning consultation services and website. By engaging our services, you agree to these terms. Please read carefully before proceeding.

These terms were last updated on October 15, 2025.

Acceptance of Terms

By accessing our website, scheduling consultations, or engaging cavorinexial 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 provision, you should not use our services or website. Your continued use constitutes ongoing acceptance of these terms as they may be modified.

Definitions

For purposes of these terms, the following definitions apply:

Services refers to financial planning consultations, analytical reviews, recommendations, and related guidance provided by cavorinexial to clients through in-person meetings, telephone calls, video conferences, or written communications.

Client refers to any individual or entity that engages cavorinexial for financial planning consultations, submits inquiries through our website, or receives services under these terms.

Website refers to the cavorinexial.com cavorinexial and all associated pages, content, features, and functionality operated by cavorinexial.

Personal Information refers to data collected about clients as described in our Privacy Policy, including contact details, financial circumstances, and consultation records.

Use of Services

cavorinexial services are provided for informational and consultative purposes to support client decision-making regarding financial planning matters. Services do not constitute legal, tax, or accounting advice. Clients remain responsible for their financial decisions and should obtain specialized professional advice when appropriate. We reserve the right to decline service to any individual or modify service scope based on regulatory requirements or professional judgment.

Eligibility

Services are available to individuals aged 18 years or older with legal capacity to enter binding contracts. By engaging our services, you represent that you meet these eligibility requirements and have authority to bind any entity on whose behalf you act.

Certain services may have additional eligibility requirements communicated during the consultation process.

Client Responsibilities

Clients engaging cavorinexial services agree to the following responsibilities:

Provide accurate, complete, and current information regarding financial circumstances, objectives, and relevant personal details necessary for appropriate consultation and recommendations.
Promptly notify cavorinexial of material changes in circumstances, financial position, or objectives that may affect the relevance of previous consultations or recommendations.
Review all recommendations carefully, ask questions about unclear aspects, and make independent decisions regarding implementation based on personal judgment and circumstances.
Comply with applicable laws, regulations, and tax obligations related to financial decisions and implementation of recommendations discussed during consultations.

Prohibited Uses

When using our website or services, you agree not to:

Provide false, misleading, or incomplete information during consultations or when completing website forms, thereby impairing our ability to provide appropriate guidance.
Use services for unlawful purposes, fraudulent activities, money laundering, tax evasion, or any activity violating Australian or applicable international laws.
Attempt to gain unauthorized access to our systems, other clients' information, or confidential business data through hacking, data mining, or similar methods.
Distribute viruses, malware, or harmful code that could damage or disrupt our website, systems, or services.
Reproduce, distribute, modify, or commercially exploit our proprietary content, consultation materials, or intellectual property without explicit written permission.

Intellectual Property Rights

All content on the cavorinexial website including text, graphics, logos, images, software, and consultation materials constitutes proprietary intellectual property owned by cavorinexial or licensed third parties. This content is protected by Australian and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without explicit written permission.

Client Information

Information you provide during consultations or through website forms remains your property. However, you grant cavorinexial a limited license to use, store, and process this information for providing services, maintaining records, and fulfilling regulatory obligations as described in our Privacy Policy.

Consultation Materials and Reports

Written consultation reports, analytical assessments, and recommendation documents prepared for you are provided for your personal use only. You may not distribute, reproduce, or share these materials with third parties without our consent, except when necessary for implementation with other professional advisors.

Privacy and Data Protection

cavorinexial is committed to protecting client privacy and handling personal information in accordance with Australian Privacy Principles and applicable data protection regulations. Our collection, use, storage, and disclosure of personal information is governed by our Privacy Policy, which forms part of these terms. Please review the Privacy Policy to understand how we handle your information.

View Privacy Policy

Service Disclaimers and Limitations

cavorinexial provides consultations and recommendations based on information available at the time of service delivery. The following disclaimers apply:

No Guarantee of Results

We do not guarantee specific financial outcomes, returns, or results from implementing recommendations. Financial markets involve uncertainty and risk. Individual results vary significantly based on market conditions, timing, personal circumstances, and implementation. Past performance does not guarantee future results.

Limitation of Liability

To the maximum extent permitted by Australian law, cavorinexial and its consultants, employees, and affiliates are not liable for any indirect, incidental, consequential, or punitive damages arising from use of services, reliance on recommendations, or implementation of strategies discussed during consultations. Our liability for direct damages is limited to fees paid for the specific consultation giving rise to the claim.

Indemnification

You agree to indemnify, defend, and hold harmless cavorinexial, its consultants, employees, and affiliates from any claims, losses, liabilities, damages, costs, or expenses including reasonable legal fees arising from your use of services, violation of these terms, misrepresentation of circumstances, or implementation decisions.

Dispute Resolution and Governing Law

These terms are governed by the laws of Australia. Any disputes arising from services or these terms shall be resolved as follows:

Arbitration

Disputes that cannot be resolved through good-faith negotiation shall be submitted to binding arbitration in accordance with Australian arbitration rules. Arbitration proceedings shall be conducted in English within Australia. The arbitrator's decision is final and binding.

You retain the right to pursue claims in small claims court for matters within that court's jurisdiction.

Online Dispute Resolution

For online service disputes, European Union clients may access the Online Dispute Resolution platform as an alternative resolution mechanism.

EU Online Dispute Resolution

Severability

If any provision of these terms is found invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed and remaining provisions continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy, Cookie Policy, and Disclaimer, constitute the entire agreement between you and cavorinexial regarding use of services and supersede all prior agreements, understandings, or communications whether written or oral.

Applicable Law and Jurisdiction

These terms are governed by and construed in accordance with the laws of Australia. You agree to submit to the exclusive jurisdiction of Australian courts for any disputes not subject to arbitration. International clients should consult local laws regarding enforceability.

Termination

Either party may terminate the consulting relationship at any time with written notice. cavorinexial reserves the right to refuse or discontinue services to any client for any reason including non-payment, misrepresentation, violation of these terms, or professional judgment. Fees for services rendered prior to termination remain payable. Confidentiality obligations survive termination.

Modifications

cavorinexial reserves the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Material changes will be communicated via email to current clients. Your continued use of services after modifications constitutes acceptance of revised terms. We recommend reviewing terms periodically.

Questions About These Terms

If you have questions regarding these terms and conditions or need clarification about any provision, please contact us:

Email Address: content@cavorinexial.com

Phone Number: +61-2-9641-3972

Mailing Address: 113 Exhibition St, Melbourne, VIC 3000 Australia

Effective Date: These terms became effective on October 15, 2025.

Version: Version 1.2