Terms and Conditions

Acceptance of Terms

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

If you do not agree with any part of these terms, you must not use our services.

Definitions

For the purposes of these terms:

• • "Service": refers to financial planning and investment advisory services provided by Orphenaxirel Pty Ltd
• • "User" or "Client": refers to any individual or entity using our services
• • "Content": refers to all information, materials, and data provided through our services
• • "Agreement": refers to these terms and conditions and any additional service agreements

Use of Service

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

Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements.

Account Responsibilities

You are responsible for maintaining the confidentiality of your account information and for all activities under your account.

Acceptable Use

You agree not to:

• • Provide false or misleading information
• • Use our services for illegal or unauthorized purposes
• • Interfere with the security or functionality of our systems
• • Share confidential information with unauthorized parties
• • Violate any applicable laws or regulations

Intellectual Property

All content, trademarks, and intellectual property on this website remain the property of Orphenaxirel Pty Ltd.

You may not reproduce, distribute, or create derivative works without our written permission.

Your use of our services does not grant you any ownership rights to our intellectual property.

User-Generated Content

You retain ownership of any personal information or documents you provide to us.

By providing content, you grant us a license to use it for the purpose of delivering our services.

You represent that you have the right to provide any content you submit to us.

Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Disclaimers

Our services are provided "as is" without warranties of any kind, express or implied.

We do not guarantee specific investment results or outcomes from our advice or services.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, or consequential damages.

Our total liability for any claim shall not exceed the amount paid by you for our services in the 12 months preceding the claim.

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our services or breach of these terms.

Termination

Either party may terminate the service relationship with appropriate notice as specified in individual service agreements.

Upon termination, your rights to use our services cease immediately, and we may delete your account and data subject to legal requirements.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Internal Resolution Process

Initial disputes should be directed to our complaints handling process for prompt resolution.

Unresolved disputes may be referred to the Australian Financial Complaints Authority (AFCA).

External Dispute Resolution

EU residents may access the European Commission's Online Dispute Resolution platform for cross-border disputes.

Governing Law

Laws of New South Wales, Australia

Changes to Terms

We reserve the right to modify these terms at any time with appropriate notice.

Continued use of our services after changes constitutes acceptance of the modified terms.

Severability

If any provision of these terms is found invalid, the remaining provisions shall remain in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and service agreements, constitute the entire agreement between you and Orphenaxirel Pty Ltd.

Legal Contact Information

For legal matters regarding these terms, contact: