Terms and conditions of service use
Please read these terms carefully before using our website. By accessing or using our consultation services, you agree to comply with these terms as updated periodically.
September 9, 2025
Acceptance of terms
By using this site, you confirm your agreement to these terms and any future updates. Continued use means acceptance of all policies outlined here.
Definitions
Key terms used in these conditions are defined below for clarity.
'Service' refers to consultation-focused financial planning support provided via this website.
'User' means any individual accessing or using the website or its services.
'Consultant' means an individual employed by or engaged with our organisation to deliver services.
'Content' encompasses all information, text, graphics, and materials on this site.
Service usage guidelines
Services are for informational and consultative purposes only. We do not guarantee outcomes or promote specific products.
Eligibility
Users must be at least 18 years old and legally able to enter into contracts under Australian law.
Proof of age may be required.
User responsibilities
Users agree to use the site lawfully and respect all rights of others and of the organisation.
Prohibited uses
Certain activities are not permitted on our website.
Intellectual property rights
All content on this site is the exclusive property of the organisation or its licensors. Users may not copy, reproduce, or distribute materials without written permission.
User content submissions
Any information submitted by users is treated as non-confidential unless otherwise agreed in writing.
User content rights
By submitting content, you grant us a non-exclusive right to use it for service delivery and improvement.
Privacy and data security
We are committed to protecting your privacy. Personal data is handled in accordance with our Privacy Policy. Please review our Privacy Policy for details.
See Privacy PolicyDisclaimer and limitation of liability
Use of this site and its services is at your own risk. Information is provided without guarantees.
Important disclaimers
We do not guarantee results or endorse any financial products or services described on this site.
Limitation of liability
Our organisation is not liable for any direct or indirect damages resulting from use of this website or reliance on its content.
Indemnification
Users agree to indemnify our organisation from any claims arising from misuse or violation of these terms.
Dispute resolution process
Disputes will be managed according to Australian law and may involve internal or third-party mediation.
Arbitration
If required, disputes may be settled by binding arbitration in an agreed location.
Arbitration does not limit your statutory rights.
Online dispute resolution
Users may access the Australian online dispute resolution platform for certain disputes.
Learn more about ODRSeverability
If any term is found invalid, the remainder remains effective.
Entire agreement
These terms constitute the full agreement between users and the organisation.
Applicable law and jurisdiction
These terms are governed by the laws of Australia.
Termination
We may terminate access for users who violate these terms or misuse the site.
Modifications
We reserve the right to update these terms at any time. Continued use after changes indicates acceptance.
Contact information
For questions or concerns about these terms, use the contact details below.
Contact email: content@stalinoveum.com
Contact phone: +61-3-1763-6950
Business address: 175B Stephen Street, Suite 201, Yarraville, VIC 3013 Australia
Effective date: September 9, 2025
Version: 3.0