Terms and conditions of service
These terms govern your use of our website and subscription service. Please read them carefully before subscribing. By accessing this site or using our services, you agree to these terms.
September 1, 2025
Acceptance of terms
By using this website or subscribing to our planning service, you confirm that you have read, understood, and agreed to these terms and all related policies. If you do not agree, please discontinue use of the site and service.
Definitions
The following definitions apply throughout these terms for clarity and consistency.
“Service” refers to the ongoing planning subscription and related support provided by our team.
“User” means any individual or entity who visits our site or subscribes to our service.
“Content” includes all text, images, and materials displayed on the website.
“Subscription” means the regular service provided for a monthly fee.
Service usage guidelines
The service is intended for ongoing planning and support only. Users must not misuse the service or rely on it as a substitute for personalised financial advice.
Eligibility
To subscribe, you must be at least 18 years of age and legally capable of entering into contracts. The service is intended for Australian residents.
Proof of age or residency may be required.
User responsibilities
As a user, you agree to provide accurate information and use the service in good faith.
Prohibited uses
The following actions are not permitted:
Intellectual property rights
All content and materials on the website are owned by us or our licensors. You may not copy, reproduce, or distribute any material without express permission. All rights reserved.
User-generated content
Users may submit feedback or questions. By doing so, you grant us permission to use this content as needed to improve our service.
Your rights over your content
You retain ownership of your submitted content but grant us a licence to use it for service provision and improvement.
Privacy and data protection
We handle your personal information in line with our Privacy Policy. Please review it for details on how your data is collected, used, and protected.
View Privacy PolicyDisclaimer statement and warning
Information is provided for general guidance only. No assurance is made as to specific outcomes.
Important notice
No guarantees or refunds are offered. Results may vary and past performance does not assure future results.
Limitation of liability statement
We are not liable for losses arising from use of our website or service except as required by law. Use is at your own risk.
Indemnification
You agree to indemnify us against claims or liabilities arising from your breach of these terms or misuse of the service.
Resolving disputes
Any disputes will be handled in accordance with Australian law and procedures.
Arbitration
Disputes may be referred to arbitration as an alternative to court. Both parties agree to cooperate in good faith.
Arbitration is not mandatory and does not limit statutory rights.
Online dispute resolution
You may access government-supported online dispute resolution services for certain disputes.
Australian ODR informationSeverability
If any part of these terms is found invalid, the remainder will continue to apply.
Entire agreement
These terms and referenced policies constitute the full agreement between you and us regarding the service.
Applicable law and jurisdiction
These terms are governed by the laws of Australia. All disputes are subject to local jurisdiction.
Termination
We may suspend or terminate your access if you breach these terms or misuse the service. You may end your subscription at any time.
Modifications
We reserve the right to update these terms. Changes take effect when posted. Continued use implies acceptance.
Contact us about these terms
If you have questions about these terms, please contact us using the details below.
Email address: content@malisyllios.com
Phone number: +61823242973
Office address: 265 King Street, Newcastle, NSW 2300 Australia
Effective date: September 1, 2025
Version: 3