1. Overview of These Terms

1.1 These Terms and Conditions (“Terms”) govern your access to and use of this website (“Website”) and any services provided through it (“Services”).

1.2 The Website and Services are operated by Coastal Financial Consultants Pty Ltd (ABN 30 686 219 858 ) (“we”, “us”, “our”), based in Australia.

1.3 By accessing, browsing, or using this Website or our Services, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Website immediately.

1.4 We may update or amend these Terms from time to time. Any changes will take effect once published on the Website. Continued use of the Website constitutes acceptance of the updated Terms.

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2. Use of the Website

2.1 You may use the Website for lawful purposes only and in accordance with these Terms.

2.2 You must not:

Use the Website in any way that breaches applicable laws or regulations

Engage in unauthorised commercial use of the Website

Attempt to access restricted areas, systems, or data

Use automated tools (including scraping or data mining) without our written consent

Interfere with the Website’s operation or security

2.3 We reserve the right to suspend or restrict access to the Website if we believe these Terms have been breached.

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3. Services and Information

3.1 Information provided on this Website is of a general nature only and does not take into account your personal objectives, financial situation, or needs.

3.2 Any financial or lending information is provided for informational purposes and does not constitute financial advice, credit advice, or a recommendation.

3.3 Before acting on any information provided, you should seek independent professional advice appropriate to your circumstances.

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4. Registration and Information Provided

4.1 Some Services may require you to submit personal or financial information.

4.2 You confirm that any information you provide is:

Accurate and complete

Not misleading

Kept up to date

4.3 You are responsible for maintaining the confidentiality of any login credentials provided to you.

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5. Eligibility

5.1 To use our Services, you must:

Be at least 18 years of age

Have legal capacity to enter into a binding agreement

Be an Australian resident or otherwise eligible to receive services under Australian law

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6. Privacy

6.1 We handle personal information in accordance with our Privacy Policy and applicable privacy legislation.

6.2 By using this Website or our Services, you consent to the collection, use, storage, and disclosure of personal information as described in our Privacy Policy.

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7. Intellectual Property

7.1 All content on this Website (including text, graphics, branding, logos, layout, and code) is owned by or licensed to us and is protected by intellectual property laws.

7.2 You may view and print content for personal, non-commercial use only.

7.3 You must not reproduce, distribute, modify, or publish any Website content without our prior written consent.

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8. Third-Party Links

8.1 The Website may contain links to third-party websites for convenience.

8.2 We do not control or endorse third-party websites and are not responsible for their content, accuracy, or privacy practices.

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9. Disclaimer

9.1 While we take reasonable steps to ensure accuracy, we do not guarantee that information on the Website is complete, current, or error-free.

9.2 The Website and Services are provided on an “as is” and “as available” basis.

9.3 To the extent permitted by law, we make no warranties or representations regarding:

Availability of the Website

Accuracy of third-party information

Suitability of any product or service

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10. Limitation of Liability

10.1 Nothing in these Terms excludes rights you may have under the Australian Consumer Law.

10.2 To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, or consequential loss arising from:

Use of or reliance on the Website

Inability to access the Website

Errors or omissions in content

Delays or interruptions

10.3 Where liability cannot be excluded, it is limited to resupplying the relevant Services.

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11. Indemnity

You agree to indemnify and hold harmless us and our officers, employees, and contractors from any loss, claim, or damage arising from:

Your use of the Website

Breach of these Terms

Violation of applicable laws

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12. Termination

12.1 We may suspend or terminate your access to the Website at any time if you breach these Terms or if required by law.

12.2 Termination does not affect rights or obligations accrued prior to termination.

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13. Governing Law

13.1 These Terms are governed by the laws of Queensland / New South Wales (choose one to match your business).

13.2 Any disputes must be resolved exclusively in the courts of that jurisdiction.

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14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.