Terms and Conditions

These Terms and Conditions govern your use of prismatoneon's financial consultation services. By accessing our website or using our services, you agree to these terms.

Your use of our services constitutes acceptance of these terms and conditions, as updated from time to time.

Definitions

For the purposes of these Terms and Conditions:

• "Service" refers to financial planning consultation services provided by prismatoneon
• "User" or "Client" refers to any individual accessing our services
• "Company", "we", "us" refers to prismatoneon and its representatives
• "Content" includes all information, advice, and materials provided through our services
• "Agreement" refers to these Terms and Conditions and our Privacy Policy

Use of Service

By using our services, you agree to:

• Provide accurate and complete information during consultations
• Use our services for lawful purposes only
• Respect the confidentiality of other clients and our business practices
• Comply with all applicable Australian laws and regulations
• Maintain the security of any login credentials or access codes provided

User Responsibilities

As a client of our services, you are responsible for:

• Making independent decisions based on consultation discussions
• Seeking additional professional advice when appropriate
• Providing accurate financial information during consultations
• Updating us about significant changes in your circumstances
• Paying fees according to agreed terms and schedules
• Treating our staff and other clients with respect and courtesy

Prohibited Activities

The following activities are strictly prohibited:

• Using our services for illegal or fraudulent purposes
• Sharing confidential information about other clients
• Attempting to access unauthorised areas of our systems
• Recording consultations without explicit written consent
• Harassing or threatening behaviour toward staff or other clients
• Providing false or misleading information during consultations
• Using our services to circumvent legal or regulatory requirements

Intellectual Property

All content, materials, and intellectual property associated with our services remain the exclusive property of prismatoneon. You may not reproduce, distribute, or commercialise our materials without written permission.

Privacy

Your privacy is important to us. Please review our Privacy Policy, which governs the collection and use of your personal information and forms part of these terms. Privacy Policy

Payment Terms

Payment terms for our subscription service include:

• Monthly subscription fee of $250 AUD (including GST) due in advance
• Payment processed automatically on the same date each month
• Failed payments may result in service suspension after 7 days
• All fees are in Australian Dollars and include applicable taxes

Cancellation and Refunds

You may cancel your subscription at any time with 30 days written notice. No refunds are provided for partial months or unused services. Cancellation takes effect at the end of your current billing period.

Disclaimers and Warranties

Our services are provided for informational and consultation purposes only. We make no representations about specific outcomes or results from our advice.

We provide no warranties regarding the completeness, accuracy, or suitability of our consultations for your specific circumstances.

Limitation of Liability

To the maximum extent permitted by Australian law, our liability for any damages arising from our services is limited to the amount paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify prismatoneon against any claims, damages, or expenses arising from your use of our services or breach of these terms.

Dispute Resolution

Governing Law

These terms are governed by Australian law, and disputes fall under the jurisdiction of Australian courts.

Termination

Either party may terminate the service relationship with appropriate notice. Termination does not affect rights and obligations that accrued before termination.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect.

Entire Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between you and prismatoneon regarding our services.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on our website and become effective 30 days after publication.

Contact Information

For questions about these terms, contact us using the information provided in our contact section.

Terms and Conditions last updated: August 29, 2025

These terms became effective on August 29, 2025