Terms & Conditions

TERMS OF USE

Last Updated: [Insert Date]

1. Introduction and Acceptance of Terms

Welcome to Aurelium Group ("we," "us," or "our"). By accessing our website, using our financial calculators, or creating a user account, you agree to be bound by these Terms of Use ("Terms").

If you do not agree to these Terms, you must cease using our services immediately. These Terms form a binding legal agreement between you and Aurelium Group (ABN [Insert ABN]), governed by the laws of Victoria, Australia.

2. Eligibility (18+ Only)

Our core services and calculators are intended solely for individuals aged 18 years or older. By creating an account, you represent and warrant that you are of legal age to form a binding contract. If you are accessing this site on behalf of a minor (e.g., for educational demonstration), you accept full responsibility for their use of the platform.

3. General Advice Warning (No Financial Advice)

IMPORTANT: The information, calculations, and dashboard visualizations provided by Aurelium Group are for educational and illustrative purposes only.

• Not Professional Advice: We are not a licensed financial adviser, tax agent, or legal professional. Nothing on this website constitutes "personal financial advice" under the Corporations Act 2001 (Cth).
• No Fiduciary Relationship: Using our tools does not create a client-adviser relationship.
• Do Your Own Research: You should consider your own objectives, financial situation, and needs, and seek independent professional advice from a licensed adviser before making any financial decisions based on our data.

4. Nature of Stochastic Projections

Unlike standard calculators that use fixed linear projections, our tools may use stochastic modeling (simulations based on probabilities) to estimate future outcomes. regarding these calculations:

• No Guarantees: Results are probabilistic estimates, not predictions of the future. A "90% success rate" in a simulation does not guarantee success in real life.
• Assumptions: Our models rely on assumptions regarding inflation, market returns, and volatility. These assumptions are set by us based on historical data and economic theory, but future market conditions may vary significantly.
• Disclosure: Detailed information regarding the assumptions used in your specific calculation is available on the calculator interface or our [Methodology/Assumptions] page.

5. User Accounts and Security

To access certain features, you must create an account.

• Security: You are responsible for maintaining the confidentiality of your login credentials. You agree not to share your password with third parties.
• Liability: You are fully responsible for all activities that occur under your account. Aurelium Group is not liable for any loss or damage arising from your failure to protect your password or from unauthorized access to your account.
• Data Accuracy: You warrant that the financial data you enter (including data regarding a partner/spouse) is accurate. We are not responsible for errors in calculations caused by incorrect data entry.

6. Intellectual Property (Anti-Scraping)

All content, code, formulas, algorithms, and stochastic models on this site are the exclusive intellectual property of Aurelium Group.

• Restrictions: You strictly prohibited from:
  
  1. Copying, reproducing, or reverse-engineering our calculator logic or code.
  2. Using data mining, robots, screen scraping, or similar data gathering tools on our website.
  3. Using our brand or tools to build a competing product or service.

7. Third-Party Referrals and Future Services

Our website may contain links to third-party websites or offers to connect you with professionals (such as insurance brokers or financial planners).

• No Endorsement: Unless explicitly stated, we do not endorse or guarantee the services of these third parties.
• Separate Terms: If you engage with a referred professional, your relationship is strictly between you and them. Aurelium Group is not a party to that agreement and is not liable for the advice or products they provide.

8. Fees and Charges

Our services are currently provided free of charge. We reserve the right to introduce fee-based "Premium" features in the future. Any changes to pricing will be communicated to you in advance, and you will have the option to opt-out or close your account before being charged.

9. Limitation of Liability

To the maximum extent permitted by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010):

• Exclusion: We exclude all liability for any indirect, incidental, special, or consequential loss (including loss of data, profit, or financial loss) arising from your use of our website.
• Cap on Liability: If we are found liable for any breach of a consumer guarantee that cannot be excluded, our liability is limited to the resupply of the services or the cost of having the services supplied again.
• Data Integrity: While we strive for accuracy, we do not warrant that the website will be uninterrupted, error-free, or free from viruses.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or a prominent notice on the dashboard. Continued use of the site constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of Victoria, Australia. You agree to submit to the exclusive jurisdiction of the courts of Victoria for any disputes arising out of these Terms or your use of the website.

12. Contact

If you have questions regarding these Terms, please contact us at:
admin@aureliumgroup.com.au