Terms and Conditions of Service

Introduction to Our Terms

Welcome to celisasilo's terms and conditions. These terms govern your use of our website and financial planning subscription services. Please read them carefully as they contain important information about your rights and obligations.

By using our website or services, you agree to be bound by these terms and conditions.

Last Updated:: September 18, 2025

Key Definitions

For clarity, the following terms have specific meanings throughout this document:

• "Service": Refers to our financial planning subscription service, consultations, and related offerings
• "User" or "You": Any individual or entity accessing or using our website or services
• "Content": All information, materials, and resources available through our website and services
• "Account": Your subscription account and associated personal information and preferences

Using Our Services

Your use of our services is subject to the following conditions and requirements:

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding contracts. Our services are available to Australian residents and may be subject to additional restrictions based on your location.

18+ only

Account Responsibilities

• Provide accurate and complete information during registration and consultations
• Maintain the confidentiality of your account credentials and notify us of unauthorized access
• Use our services only for lawful purposes and in accordance with these terms

Prohibited Activities

You may not use our services for any of the following purposes:

• Violating any applicable laws or regulations
• Impersonating others or providing false information
• Attempting to gain unauthorized access to our systems or other users' accounts
• Using our services to spam, harass, or harm others
• Interfering with the proper functioning of our website or services

Intellectual Property

All content, trademarks, logos, and intellectual property on our website and in our services remain the exclusive property of celisasilo or our licensors.

We grant you a limited, non-exclusive license to use our services for their intended purpose during your subscription period.

You may not copy, modify, distribute, or create derivative works from our content without express written permission.

Your Content and Information

You retain ownership of any personal information or content you provide to us during consultations or through our services.

By providing information, you grant us permission to use it solely for the purpose of delivering our services to you.

You are responsible for ensuring that any information you provide is accurate, current, and lawful.

Privacy and Data Protection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these terms.

We are committed to protecting your privacy and complying with applicable data protection laws including the Australian Privacy Act.

Service Disclaimers

Our services are provided "as is" without warranties of any kind, whether express or implied. We make no guarantees about specific outcomes or results from our planning consultations.

We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement to the fullest extent permitted by law.

Limitation of Liability

To the maximum extent permitted by Australian law, our liability to you is limited to the amount you paid for our services in the 12 months preceding any claim.

We shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services.

Our total liability shall not exceed the subscription fees paid by you in the relevant period, regardless of the legal theory underlying your claim.

Indemnification

You agree to indemnify and hold celisasilo harmless from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of third-party rights.

Dispute Resolution

We prefer to resolve disputes amicably, but formal procedures are available if needed:

Termination of Services

Either party may terminate the subscription service with appropriate notice as specified in your service agreement. We reserve the right to terminate accounts that violate these terms.

Upon termination, your access to our services will cease, though certain provisions of these terms will survive termination.

Governing Law

These terms are governed by Australian law and the laws of the state or territory where our services are provided to you.

Australian courts have exclusive jurisdiction over any disputes arising from these terms or your use of our services.

Changes to Terms

We may update these terms from time to time to reflect changes in our services, legal requirements, or business practices.

We will notify you of material changes through email or website notices, and continued use of our services constitutes acceptance of revised terms.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and celisasilo regarding your use of our services.

Contact Information

If you have questions about these terms and conditions, please contact us: