phyralivento - Values-aligned financial consultation for zero-based budgeting control

Acceptance of Terms

By accessing this website, submitting inquiries, or engaging consultation services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions along with our Privacy Policy and other referenced policies. If you do not agree to these terms, you should not use our website or services.

Definitions

The following terms have specific meanings throughout this agreement and related documentation.

phyralivento Financial, we, us, or our refers to the consultation service provider operating this website and delivering the services described herein, including all team members and representatives.

Client, you, or your refers to individuals or entities accessing our website, submitting inquiries, or engaging our consultation services in any capacity.

Services refers to zero-based budgeting consultation, financial analysis, values alignment discussions, implementation support, and related consultation activities we provide through various delivery formats.

Website refers to phyralivento.com and all associated pages, content, functionality, and features accessible through this phyralivento.

Service Description

We provide consultation services focused on zero-based budgeting methodologies, expense analysis, and values alignment. Services include discussion, guidance, analytical perspectives, and implementation support but do not constitute financial planning, professional advice requiring licensing, or guaranteed outcomes. Results may vary based on individual circumstances and implementation.

Eligibility

Services are intended for individuals seeking budgeting consultation and guidance. You must be at least eighteen years old and legally capable of entering binding agreements. By using services, you represent that you meet these requirements.

Services are not suitable for crisis situations requiring immediate intervention.

Client Responsibilities

Clients engaging our services agree to the following responsibilities and expectations for productive consultation relationships.

Provide accurate information during consultations including honest disclosure of relevant financial circumstances, constraints, and objectives necessary for appropriate guidance.

Implement recommendations at your own discretion, recognizing that consultation provides guidance but ultimate decisions and actions remain your responsibility.

Maintain confidentiality of any proprietary frameworks, templates, or materials provided during consultation sessions except as necessary for personal implementation.

Communicate concerns, questions, or changing circumstances promptly to enable appropriate support and guidance adjustments throughout the consultation relationship.

Prohibited Uses

The following activities are expressly prohibited in connection with our website and services.

Misrepresenting your identity, circumstances, or intentions during inquiries or consultation sessions, or providing false information for any purpose.

Using services for illegal purposes, fraudulent activities, or any use that violates Australian laws or regulations applicable to financial services or consultations.

Reproducing, distributing, or commercializing proprietary materials, frameworks, or content provided during consultations without express written permission.

Attempting to access restricted areas of the website, interfering with site functionality, or engaging in activities that compromise security or other users' experience.

Harassment, abuse, or inappropriate conduct toward team members or other clients during consultations or communications related to our services.

Intellectual Property Rights

All website content, consultation materials, frameworks, templates, and documentation remain our intellectual property or that of respective licensors. This includes text, graphics, methodologies, processes, and other materials. You receive limited license for personal use in connection with services but do not acquire ownership rights. Unauthorized reproduction or distribution constitutes infringement.

Information You Provide

Information you share during consultations remains your property. However, you grant us license to use this information for service delivery, consultation preparation, follow-up support, and internal improvement purposes. We maintain confidentiality as described in our Privacy Policy.

Confidentiality of Client Information

We treat information shared during consultations as confidential subject to exceptions for legal requirements, protecting our legitimate interests, or with your consent. Details regarding information handling appear in our Privacy Policy, which forms part of this agreement by reference.

Privacy and Data Protection

Personal information collection, use, and protection are governed by our Privacy Policy. By using services, you consent to data practices described therein, which comply with Australian Privacy Act requirements. We implement reasonable security measures but cannot guarantee absolute protection against all potential threats. You acknowledge inherent risks in electronic data transmission and storage.

Privacy Policy

Service Disclaimers and Limitations

Services are provided with certain limitations and disclaimers that clients must understand and accept before engagement.

No Guaranteed Outcomes

Consultation services provide guidance, analytical perspectives, and implementation support but do not guarantee specific financial results or outcomes. Results may vary significantly based on individual implementation, discipline, circumstances, and factors beyond our control or consultation scope.

Limitation of Liability

To the maximum extent permitted under Australian law, we shall not be liable for indirect, incidental, consequential, or punitive damages arising from service use or inability to use services. Our total liability for any claims shall not exceed fees paid for services giving rise to liability.

Indemnification

You agree to indemnify and hold harmless phyralivento Financial, its team members, and representatives from claims, damages, losses, or expenses arising from your use of services, violation of these terms, or infringement of any rights of third parties.

Dispute Resolution and Jurisdiction

Disputes arising from these terms or services shall be resolved through the following processes and under specified jurisdictions.

Arbitration

Disputes shall first be addressed through good faith negotiation. If unresolved, disputes may be submitted to mediation or arbitration under Australian dispute resolution procedures before pursuing litigation.

This provision does not waive rights under Australian Consumer Law.

Online Dispute Resolution

For clients in jurisdictions providing online dispute resolution platforms, we will participate in good faith in such processes when applicable and appropriate for the nature of disputes.

Australian Financial Complaints Authority

Severability

If any provision of these terms is found invalid or unenforceable, remaining provisions continue in full effect. Invalid provisions shall be modified to achieve intended effect to the extent possible under applicable law.

Entire Agreement

These Terms and Conditions, along with referenced Privacy Policy and other incorporated policies, constitute the entire agreement regarding services and supersede prior understandings or agreements except where specific written amendments are executed.

Governing Law and Jurisdiction

These terms are governed by laws of Australia applicable in the jurisdiction where our primary operations are located. Parties submit to exclusive jurisdiction of courts in that location for dispute resolution.

Termination

Either party may terminate consultation relationships with reasonable notice. We reserve the right to refuse or terminate services for violations of these terms, inappropriate conduct, or other legitimate reasons. Obligations regarding confidentiality, intellectual property, and liability limitations survive termination.

Modifications

We may modify these terms periodically to reflect service changes, legal requirements, or operational updates. Material changes will be communicated through website notification or direct contact. Continued use after modifications constitutes acceptance of revised terms.

Terms and Conditions Inquiries

For questions regarding these Terms and Conditions or service-related concerns, contact us through the following channels. We will respond to inquiries within reasonable timeframes.

Email Address: content@phyralivento.com

Phone Number: +61 3 2476 4385

Mailing Address: Tower 2, 201 Sussex Street, Sydney, NSW 2000 Australia

Terms and Conditions of Service