Terms of Use

Agreement to Terms

By accessing or using the fern-flow website, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you should not use our website or services.

Services Description

fern-flow provides educational financial guidance services to individuals in Adelaide and surrounding areas. Our services include budget analysis, debt management planning, savings strategies, investment education, retirement planning, and financial literacy sessions.

Educational Nature

All information and services provided by fern-flow are educational in nature. We do not provide licensed financial advice, investment recommendations, or personalized financial planning services that require regulatory licensing under Australian law.

Our guidance is intended to help you understand financial concepts and develop your own decision-making capabilities. It should not be construed as professional financial advice.

No Guarantees

We make no guarantees regarding:

• Specific financial outcomes or results
• Investment performance or returns
• Debt elimination timelines
• Savings achievement rates

Financial outcomes depend on individual circumstances, market conditions, and personal actions taken following our guidance.

User Responsibilities

You agree to:

• Provide accurate information during consultations
• Use our services for lawful purposes only
• Not misrepresent your identity or circumstances
• Respect intellectual property rights
• Not attempt to disrupt or damage our website

Booking and Payment

When you book a service:

• You agree to pay the stated price in Australian dollars
• Payment is required before or at the time of service delivery
• Prices may change without notice for future bookings
• Refunds are subject to our cancellation policy

Cancellation Policy

To cancel or reschedule a booked session:

• Provide at least 48 hours notice for a full refund
• Cancellations with less than 48 hours notice may incur a fee
• No-shows are not eligible for refunds
• We reserve the right to cancel sessions due to unforeseen circumstances

Intellectual Property

All content on this website, including text, graphics, logos, and materials provided during sessions, is the property of fern-flow and protected by copyright laws. You may not:

• Reproduce materials without permission
• Distribute or sell our content
• Create derivative works
• Use our brand or materials for commercial purposes

Limitation of Liability

To the fullest extent permitted by law, fern-flow shall not be liable for:

• Financial losses resulting from actions taken based on our guidance
• Investment losses or missed opportunities
• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities

Our maximum liability for any claim shall not exceed the amount you paid for the specific service in question.

Indemnification

You agree to indemnify and hold fern-flow harmless from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these terms
• Your violation of any rights of another party
• Financial decisions made based on information provided

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of external sites. Access third-party links at your own risk.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to our collection and use of personal information as described in that policy.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the modified terms.

Modifications to Services

We reserve the right to:

• Modify or discontinue services at any time
• Change pricing for future bookings
• Update service descriptions and offerings
• Refuse service to anyone for any reason

Governing Law

These Terms of Use are governed by the laws of South Australia and the Commonwealth of Australia. Any disputes shall be resolved in the courts of South Australia.

Severability

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

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices on our website, constitute the entire agreement between you and fern-flow.

Contact Information

For questions about these Terms of Use, please contact us at [email protected]