Terms and conditions for subscription services
These terms govern your use of calyphiqora’s subscription financial planning services in Australia. Please read carefully before subscribing or using our services.
August 30, 2025
Acceptance of terms
By subscribing or accessing our services, you agree to these terms and conditions. If you do not agree, please refrain from using our services.
Definitions
Key terms used throughout these terms and conditions are defined below for clarity.
‘calyphiqora’, ‘we’, ‘our’, and ‘us’ refer to the service provider offering subscription-based planning.
‘Client’, ‘you’, and ‘your’ refer to the individual or entity subscribing to the services.
‘Services’ refers to the ongoing consultation and planning support described on this website.
‘Australian law’ means all relevant local, state, and federal regulations.
Service usage
Services are provided for personal planning purposes only and are not transferable. Use is subject to compliance with these terms and applicable law.
Eligibility
Subscription is available only to individuals over 18 years and entities authorised to contract under Australian law.
Proof of age or identity may be required for verification.
User responsibilities
You are responsible for providing accurate information and complying with all applicable laws.
Prohibited uses
The following uses are strictly prohibited:
Intellectual property rights
All content, branding, and materials on this site are the property of calyphiqora or its licensors. No part may be reproduced, distributed, or modified without written permission.
User content
Content provided by clients remains their responsibility. We reserve the right to remove or restrict content violating these terms.
User content rights and removal
By submitting content, you grant calyphiqora a licence to use, display, or remove it as necessary for service delivery.
Privacy and data protection
Your personal information is handled in accordance with our privacy policy and Australian privacy law. See the privacy section for details.
Read our privacy policyDisclaimer and limitations
Services are provided on an ‘as is’ basis. No warranty of outcome or suitability is given. Consult a professional for tailored advice.
Important disclaimer
No guarantee of financial results or improvement is offered. Results may differ for each individual.
Limitation of liability
calyphiqora is not liable for indirect or consequential losses related to the use of our services. See full disclaimer on the site.
Indemnification
You agree to indemnify calyphiqora for any claims arising from your use of the services or breach of terms.
Dispute resolution and law
Disputes will be handled under Australian law, with options for mediation or arbitration as appropriate.
Arbitration
Either party may request arbitration to resolve disputes in accordance with local legal requirements.
Arbitration does not affect your statutory consumer rights under Australian law.
Online dispute resolution
You may access online dispute resolution resources provided by the Australian government.
View official dispute resourcesSeverability
If any part of these terms is deemed unenforceable, the remainder will remain in effect.
Entire agreement
These terms constitute the full agreement between you and calyphiqora regarding subscription services.
Applicable law and jurisdiction
Australian law applies to all aspects of these terms and any disputes arising from your use of our services.
Termination
Subscriptions may be cancelled at any time. We reserve the right to terminate accounts for breaches of these terms.
Modifications
calyphiqora may update these terms at any time. Continued use of the service constitutes acceptance of changes.
Contact for legal questions
For questions about these terms, contact our office for clarification or support.
Email address: content@calyphiqora.com
Phone number: +61877010118
Office address: 34 Welshpool Road, Welshpool, WA 6106 Australia
Effective date: August 30, 2025
Version: 3.0