Terms of Use

Agreement to Terms

By accessing or using the Quiet Terrace website and services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

Services Description

Quiet Terrace provides professional retirement planning and pension optimization services to individuals in Australia. Our services include consultations, reviews, and strategic planning related to superannuation, pensions, and retirement finances.

Professional Advice Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as financial advice tailored to your specific circumstances. Professional consultation is required before making any financial decisions based on information from this website.

Quiet Terrace holds appropriate Australian Financial Services licenses. All formal advice provided through our services complies with relevant Australian financial services regulations.

Use of Website

Permitted Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Impersonate any person or entity
• Interfere with or disrupt the website or servers
• Attempt to gain unauthorized access to any part of the website
• Use automated systems to access the website without our permission
• Collect or harvest any information from the website

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Quiet Terrace 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 without our express written permission.

Service Terms

Consultation Requests

Submitting a consultation request does not create a client-advisor relationship. Such relationships are established only through formal service agreements after initial consultation.

Pricing and Payments

All prices listed on our website are in Australian Dollars (AUD) and are subject to change without notice. Payment terms will be specified in individual service agreements.

Cancellations and Refunds

Cancellation and refund policies will be outlined in your service agreement. Generally, cancellations made more than 48 hours before scheduled consultations may be eligible for rescheduling or partial refunds.

Limitation of Liability

To the maximum extent permitted by Australian law:

• Quiet Terrace shall not be liable for any indirect, incidental, special, or consequential damages arising from use of our website or services
• Our total liability for any claims related to our services shall not exceed the amount paid for those specific services
• We do not guarantee specific financial outcomes from our advice or services

Disclaimer of Warranties

Our website and informational content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be available at all times
• Information on the website is completely accurate or current
• The website will be free from errors or viruses

Third-Party Links

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

Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use your information.

Indemnification

You agree to indemnify and hold harmless Quiet Terrace, its officers, employees, and agents from any claims, damages, or expenses arising from your use of our website or violation of these Terms of Use.

Governing Law

These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Victoria.

Professional Standards

Our services comply with:

• Corporations Act 2001
• Australian Securities and Investments Commission (ASIC) regulations
• Financial Sector Reform Act
• Privacy Act 1988

Modifications to Terms

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

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 so that the remaining terms remain in full force and effect.

Entire Agreement

These Terms of Use, along with our Privacy Policy and any service agreements, constitute the entire agreement between you and Quiet Terrace regarding use of our website and services.

Contact Information

For questions about these Terms of Use, please contact us at:

Email: [email protected]
Address: Level 12, 147 Collins Street, Melbourne VIC 3000, Australia

Acknowledgment

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.