1. About the Website
1.1. Welcome to www.thefiscalmum.com (the ‘Website’). The Website (the ‘Services’).
1.2. The Website is operated by Sirius & Olivia Pty Ltd PTY. LTD. (ACN 166441176).
Access to and use of the Website, or any of its associated Products or Services, is provided by Sirius & Olivia Pty Ltd. Please read these terms and conditions (the ‘Terms’) carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website, or any of Services, immediately.
1.3. Sirius & Olivia Pty Ltd reserves the right to review and change any of the Terms by updating this page at its sole discretion. When Sirius & Olivia Pty Ltd updates the Terms, it will use reasonable endeavours to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.
2. Acceptance of the Terms
You accept the Terms by using or remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by Sirius & Olivia Pty Ltd in the user interface, or wherever you have been provided an opportunity to review the Terms via any communication with the site or its owners.
3. Copyright and Intellectual Property
3.1. The Website, the content and all of the related products of Sirius & Olivia Pty Ltd are subject to copyright. The material on the Website is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the content and compilation of the Website (including but not limited to text, graphics, logos, button icons, video images, audio clips, Website, code, scripts, design elements and interactive features) or the content are owned or controlled for these purposes, and are reserved by Sirius & Olivia Pty Ltd or its contributors.
3.2. All trademarks, service marks and trade names are owned, registered and/or licensed by Sirius & Olivia Pty Ltd, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are on the Website to:
(a) use the Website pursuant to the Terms;
(b) copy and store the Website and the material contained in the Website in your device’s cache memory; and
(c) print pages from the Website for your own personal and non-commercial use. Sirius & Olivia Pty Ltd does not grant you any other rights whatsoever in relation to the Website or the content. All other rights are expressly reserved by Sirius & Olivia Pty Ltd.
3.3. Sirius & Olivia Pty Ltd retains all rights, title and interest in and to the Website and all related content. Nothing you do on or in relation to the Website will transfer any:
(a) business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright, or
(b) a right to use or exploit a business name, trading name, domain name, trade mark or industrial design, or
(c) a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process), to you.
3.4. You may not, without the prior written permission of Sirius & Olivia Pty Ltd and the permission of any other relevant rights owners: broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the content or third party content for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Website which are freely available for re-use or are in the public domain.
4. Acceptable Use
You agree to use our website only for lawful purposes and in a way that does not infringe the rights of, restrict or inhibit anyone else’s use and enjoyment of the website. Prohibited behaviour includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content or disrupting the normal flow of dialogue within the website.
You must not use the website to send unsolicited commercial communications. You must not use the content on the website for any marketing related purpose without the express written consent of Sirius & Olivia Pty Ltd.
5. Privacy, Payment and the Australia Consumer Law
In the event you require a refund of all or part of any payment (Refund Amount), we will refund the Refund Amount requested minus any processing fee and payment gateway refund fee.
Certain legislation including the Australian Consumer Law (ACL) in the Consumer and Competition Act 2010 (Cth), and similar consumer protection laws and regulations may confer you with rights, warranties, guarantees and remedies relating to the provision of services by Sirius & Olivia Pty Ltd to you which cannot be excluded, restricted or modified (Statutory Rights). Our liability is governed solely by the ACL and these Terms. Sirius & Olivia Pty Ltd excludes all conditions and warranties implied by custom, law or statute except for your Statutory Rights. Except for your Statutory Rights, all material and work is provided to you without warranties of any kind, either express or implied; and we expressly disclaim all warranties of any kind including but not limited to implied warranties of merchantability and fitness for a particular purpose.
Consumer Guarantees: If you are a consumer as defined in the ACL, the following applies to you: Sirius & Olivia Pty Ltd guarantees that the services we supply to you are rendered with due care and skill; fit for the purpose that we advertise, or that you have told us what you are acquiring the services for, or that you have told us about a result which you wish the services to achieve (unless we consider and disclose that this purpose is not achievable); and will be supplied within a reasonable time. To the extent we are unable to exclude liability; our total liability for loss or damage you suffer or incur from our services is limited to us re-supplying the services to you, or, at our option, Sirius & Olivia Pty Ltd refunding to you the amount you have paid Sirius & Olivia Pty Ltd for the services to which your claim relates, minus any payment processing fee or payment gateway refund fee.
6. General Advice Disclaimer
All information & content on this website is of a general nature only and may not be relevant to your particular circumstances. The circumstances of each individual are different and before you take any action or make any decision regarding your own financial affairs, you should seek advice from a financial planner who can consider if the strategies and products are right for you. Where there has been any reference to a specific financial product in any of the content on this website or distributed by this website, you should also obtain a copy of and consider the Product Disclosure Statement for that product before making any decision.
7. General Disclaimer
7.1. Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.
7.2. Subject to this clause 5, and to the extent permitted by law:
(a) all terms, guarantees, warranties, representations or conditions which are not expressly stated in the Terms are excluded; and
(b) Sirius & Olivia Pty Ltd will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the content or these Terms (including as a result of not being able to use the content or the late supply of the content), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise.
7.3. Use of the Website and the content is at your own risk. Everything on the Website and the content is provided to you “as is” and “as available” without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors and licensors of Sirius & Olivia Pty Ltd make any express or implied representation or warranty about the content or any products or content (including the products or content of Sirius & Olivia Pty Ltd) referred to on the Website. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:
(a) failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records;
(b) the accuracy, suitability or currency of any information on the Website, the content, or any of its content related products (including third party material and advertisements on the Website);
(c) costs incurred as a result of you using the Website, the content or any of the products of Sirius & Olivia Pty Ltd; and
(d) the content or operation in respect to links which are provided for your convenience.
8. Limitation of liability
8.1. Sirius & Olivia Pty Ltd’s total liability arising out of or in connection with the content or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the content to you.
8.2. You expressly understand and agree that Sirius & Olivia Pty Ltd, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.
8.3. You acknowledge and agree that Sirius & Olivia Pty Ltd holds no liability for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you as a result of providing Your Content to the Website.
9. Termination of Contract
9.1. If you want to terminate the Terms, you may do so by providing Sirius & Olivia Pty Ltd with 7 days’ notice of your intention to terminate by sending notice of your intention to terminate to Sirius & Olivia Pty Ltd via the ‘Contact Us’ link on our homepage.
9.2. Sirius & Olivia Pty Ltd may at any time, terminate the Terms with you if:
(a) you have breached any provision of the Terms or intend to breach any
(b) Sirius & Olivia Pty Ltd is required to do so by law;
(c) Sirius & Olivia Pty Ltd is transitioning to no longer providing the Services to users in the country in which you are resident or from which you use the service; or
(d) the provision of the Services to you by Sirius & Olivia Pty Ltd, is in the opinion of Sirius & Olivia Pty Ltd, no longer commercially viable.
9.3. Subject to local applicable laws, Sirius & Olivia Pty Ltd reserves the right to discontinue or cancel your subscription at any time and may suspend or deny, in its sole discretion, your access to all or any portion of the Website or the Services without notice if you breach any provision of the Terms or any applicable law or if your conduct impacts Sirius & Olivia Pty Ltd’s name or reputation or violates the rights of those of another party.
9.4. When the Terms come to an end, all of the legal rights, obligations and liabilities that you and Sirius & Olivia Pty Ltd have benefitted from, been subject to (or which have accrued over time whilst the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by this cessation, and the provisions of this clause shall continue to apply to such rights, obligations and liabilities indefinitely.
10.1. You agree to indemnify Sirius & Olivia Pty Ltd, its affiliates, employees, agents, contributors, third party content providers and licensors from and against:
(a) all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred, suffered or arising out of or in connection with Your Content;
(b) any direct or indirect consequences of you accessing, using or transacting on the Website or attempts to do so; and/or
(c) any breach of the Terms.
11. Dispute Resolution
If a dispute arises out of or relates to the Terms, either party may not commence any Tribunal or Court proceedings in relation to the dispute, unless the following clauses have been complied with (except where urgent interlocutory relief is sort).
A party to the Terms claiming a dispute (‘Dispute’) has arisen under the Terms, must give written notice to the other party detailing the nature of the dispute, the desired outcome and the action required to settle the Dispute.
On receipt of that notice (‘Notice’) by that other party, the parties to the Terms (‘Parties’) must:
(a) Within 7 days of the Notice endeavour in good faith to resolve the Dispute expeditiously by negotiation or such other means upon which they may mutually agree;
(b) If for any reason whatsoever, 14 days after the date of the Notice, the Dispute has not been resolved, the Parties must either agree upon selection of a mediator or request that an appropriate mediator be appointed by the President of the Australian Mediation Association or his or her nominee;
(c) The Parties are equally liable for the fees and reasonable expenses of a mediator and the cost of the venue of the mediation and without limiting the foregoing undertake to pay any amounts requested by the mediator as a pre-condition to the mediation commencing. The Parties must each pay their own costs associated with the mediation;
(d) The mediation will be held in New South Wales, Australia.
All communications concerning negotiations made by the Parties arising out of and in connection with this dispute resolution clause are confidential and to the extent possible, must be treated as “without prejudice” negotiations for the purpose of applicable laws of evidence.
11.5. Termination of Mediation:
If 3 months have elapsed after the start of a mediation of the Dispute and the Dispute has not been resolved, either Party may ask the mediator to terminate the mediation and the mediator must do so.
12. Venue and Jurisdiction
The Services offered by Sirius & Olivia Pty Ltd is intended to be viewed by residents of Australia. In the event of any dispute arising out of or in relation to the Website, you agree that the exclusive venue for resolving any dispute shall be in the courts of New South Wales, Australia.
13. Governing Law
The Terms are governed by the laws of New South Wales, Australia. Any dispute, controversy, proceeding or claim of whatever nature arising out of or in any way relating to the Terms and the rights created hereby shall be governed, interpreted and construed by, under and pursuant to the laws of New South Wales, Australia, without reference to conflict of law principles, notwithstanding mandatory rules. The validity of this governing law clause is not contested. The Terms shall be binding to the benefit of the parties hereto and their successors and assigns.
14. Independent Legal Advice
You confirm and declare that the provisions of the Terms are fair and reasonable and you have taken the opportunity to obtain independent legal advice and declare the Terms are not against public policy on the grounds of inequality or bargaining power or general grounds of restraint of trade.
If any part of these Terms is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed and the rest of the Terms shall remain in force.