Terms and Conditions for caldineorava.com
These Terms govern your access and use of caldineorava.com and all subscription-based financial planning services. Please read them carefully before using the site.
August 22, 2025
Acceptance of Terms
By accessing or using this website, you agree to comply with these Terms and any applicable laws. If you do not agree, please do not use this site or services.
Definitions
The following definitions apply throughout these Terms.
"Service" refers to the subscription-based financial planning services offered on caldineorava.com.
"User" means any individual or entity accessing or using the website or services.
"Content" includes all text, images, and information available on caldineorava.com.
"Subscription" means the monthly, quarterly, or annual fee-based access to planning services.
Use of Services
Services are for informational and consultative purposes only and do not guarantee outcomes or performance. Users are responsible for their own decisions.
Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use our services.
Proof of eligibility may be requested at any time.
User Responsibilities
Users agree to provide accurate, current information and to use the website for lawful purposes only.
Prohibited Uses
The following activities are strictly prohibited:
Intellectual Property Rights
All content on caldineorava.com is the property of caldineorava or its licensors. You may not copy, reproduce, or distribute any part without prior written consent.
User Content
Any content you submit remains your responsibility. You grant caldineorava a non-exclusive, royalty-free license to use it for service provision.
User Content Rights
You represent that you own or have permission for any content you provide and will not infringe on any third-party rights.
Privacy and Data Protection
Your data is handled according to our Privacy Policy, which explains your rights and how information is managed.
View Privacy PolicyDisclaimer of Warranties and Results
caldineorava provides services "as is" without warranties as to results or outcomes.
Important Notice
No guarantee of results is provided. Results may vary based on individual circumstances and external factors.
Limitation of Liability
caldineorava is not liable for indirect, incidental, or consequential damages arising from your use of this website or services.
Indemnification
You agree to indemnify caldineorava from claims, damages, or losses resulting from your violation of these Terms.
Dispute Resolution Process
All disputes will be resolved under Australian law through negotiation or arbitration.
Arbitration
Disputes not resolved by negotiation will be referred to binding arbitration as per Australian regulations.
Arbitration does not limit your statutory rights.
Online Dispute Resolution
You may also use the Australian Online Dispute Resolution platform for certain issues.
Access ODR platformSeverability
If any provision is invalid, the remainder remains in effect.
Entire Agreement
These Terms constitute the full agreement between you and caldineorava regarding use of the website and services.
Applicable Law and Jurisdiction
All terms are governed by the laws of Australia and subject to Australian courts.
Termination
caldineorava may suspend or terminate access for breach of these Terms or unlawful use.
Modifications
We may update these Terms at any time. Continued use after changes constitutes acceptance.
Contact Us About Terms
Questions about these Terms? Please contact us below.
Contact email: content@caldineorava.com
Phone: +61.3.2554.6668
Address: Level 4, 55 Southbank Boulevard, Southbank, VIC 3006 Australia
Effective date: August 22, 2025
Version: 2.0