Terms and conditions of use

Please read these terms carefully. By accessing or using cirkocarcelosio.com, you agree to be bound by these terms and all applicable laws and regulations.

September 1, 2025

Acceptance of terms

Using this site constitutes acceptance of these terms. If you do not agree, you should not access this website. We may update terms at any time.

Definitions

Key terms used in these terms and conditions are defined below.

• "Site" refers to cirkocarcelosio.com and any associated web pages or content.
• "User" means any individual accessing or using this website.
• "Services" refers to financial planning consultations and related support provided by cirkocarcelosio.
• "Content" means all information, text, graphics, and materials on this site.

Use of services

Services are intended for adults residing in Australia. Use is subject to eligibility and compliance with these terms.

Eligibility

Users must be at least 18 years old and legally able to enter contracts under Australian law.

Services are not available to minors or persons outside permitted jurisdictions.

User responsibilities

Users agree to provide accurate information and comply with all site policies and applicable law.

• Keep login credentials confidential and secure at all times.
• Use the site and services for lawful purposes only.
• Refrain from misrepresenting information or impersonating others.
• Promptly inform us of any unauthorised access or security concerns.

Prohibited uses

The following activities are strictly prohibited on this site.

• Posting, transmitting, or distributing any unlawful, harmful, or misleading content.
• Attempting to gain unauthorised access to systems or data.
• Interfering with site functionality or security features.
• Engaging in fraudulent, deceptive, or unethical behaviour.
• Violating any applicable laws, regulations, or third-party rights.

Intellectual property rights

All content on this site is the property of cirkocarcelosio or its licensors. Users may not reproduce, modify, or distribute materials without written consent. Use of trademarks, logos, or branding requires authorisation.

User content

Any content submitted by users must comply with these terms and not infringe on third-party rights.

Privacy and data protection

We are committed to protecting your privacy. Our practices are governed by our Privacy Policy, which describes how we collect, use, and safeguard your personal information. Privacy policy

Disclaimer and limitations

Our services are provided for informational purposes only. Outcomes are not guaranteed and results may vary.

Limitation of liability statement

cirkocarcelosio is not liable for any direct, indirect, or consequential damages resulting from use of our services or site content.

Indemnity

You agree to indemnify and hold cirkocarcelosio and its affiliates harmless from claims arising from your use of this site.

Dispute resolution process

Disputes are subject to Australian law and will be resolved through negotiation or arbitration, as appropriate.

Applicable law and jurisdiction

These terms are governed by the laws of Australia. Jurisdiction is limited to Australian courts.

Termination

We reserve the right to suspend or terminate access for violation of these terms or unlawful activity.

Changes

We may update these terms without notice. Continued use signifies acceptance of any changes.

Severability

If any term is found invalid, remaining terms remain in force.

Entire agreement statement

These terms constitute the full agreement between you and cirkocarcelosio regarding site use.

Contact for terms

For questions about these terms, use the contact information below.