Terms and Conditions of Service

These Terms and Conditions govern your use of consultation services provided by gremorivano and your access to our website. By engaging our services or using our website, you agree to these terms.

October 2, 2025

Acceptance of Terms

By accessing our website, scheduling consultations, or receiving our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions along with our Privacy Policy. If you do not agree with any provision, you must discontinue use of our services and website immediately.

Definitions

For purposes of these Terms and Conditions, the following definitions apply:

• Services refers to zero-based budgeting consultations, values-alignment guidance, expense control advisory, and related financial consultation services provided by gremorivano through any delivery method.
• Client or You refers to any individual or entity that engages our consultation services, accesses our website, or communicates with us regarding potential service engagement.
• Website refers to all web pages, content, and functionality available at gremorivano.com and associated subdomains operated by gremorivano for information and service delivery purposes.
• Consultant or We refers to gremorivano, its owners, employees, contractors, and authorized representatives providing services or operating the website.

Use of Services

Our consultation services provide guidance and frameworks for zero-based budgeting and values-aligned expense control. Services are informational and advisory in nature. We do not provide financial product recommendations, manage funds, or guarantee specific financial outcomes. Results may vary based on individual circumstances and commitment to implementing recommendations.

Eligibility

You must be at least eighteen years of age and possess legal capacity to enter binding contracts under Australian law to engage our services. By using our services, you represent and warrant that you meet these eligibility requirements.

Consultation services are available only to residents of Australia.

Client Responsibilities

When engaging our services, you agree to the following responsibilities:

• Provide accurate and complete information about your financial situation, goals, and circumstances to enable effective consultation and appropriate guidance.
• Attend scheduled consultations or provide reasonable notice of cancellation according to our scheduling policies to respect consultant time and other clients' needs.
• Implement recommendations in good faith and maintain communication regarding challenges or questions that arise during implementation processes.
• Recognize that consultation outcomes depend significantly on your commitment, circumstances, and actions, and that past performance doesn't guarantee future results.

Prohibited Uses

You agree not to engage in the following prohibited activities:

• Using our services or website for any unlawful purpose or in violation of these Terms and Conditions or applicable local, state, or federal laws.
• Attempting to gain unauthorized access to our systems, other users' accounts, or computer systems or networks connected to our services through hacking or other means.
• Interfering with or disrupting the integrity or performance of our website, services, or data contained therein through any technological means or activities.
• Reproducing, distributing, modifying, or creating derivative works from our consultation materials, methodologies, or website content without express written permission.
• Impersonating any person or entity, misrepresenting your affiliation with any person or entity, or providing false information during service engagement.

Intellectual Property Rights

All content, methodologies, frameworks, materials, and intellectual property associated with our services and website remain the exclusive property of gremorivano. This includes but is not limited to consultation frameworks, assessment tools, educational materials, website design, logos, and proprietary processes. You receive limited license to use materials provided during consultation solely for personal implementation purposes. No broader rights are granted without express written authorization.

Client Information and Content

You retain ownership of personal and financial information you share during consultations. By providing information, you grant us license to use that information for delivering services, maintaining records, and improving methodologies through aggregated analysis that does not identify you personally.

Privacy and Data Protection

Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms an integral part of these Terms and Conditions. We comply with Australian Privacy Principles under the Privacy Act and implement reasonable safeguards to protect information security. By using our services, you consent to information collection and use as described in the Privacy Policy. View Privacy Policy

Service Disclaimers and Limitations

You acknowledge and agree to the following important disclaimers regarding our services:

Limitation of Liability

To the maximum extent permitted by Australian law, gremorivano shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of services or website. Our total liability for any claims shall not exceed the fees paid for services giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless gremorivano, its owners, employees, and contractors from any claims, damages, losses, liabilities, and expenses including reasonable legal fees arising from your breach of these Terms, violation of any law, or infringement of third-party rights.

Dispute Resolution and Governing Law

In the event of disputes arising from these Terms or our services, the following provisions apply:

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Australia and the state of New South Wales, without regard to conflict of law provisions. You consent to exclusive jurisdiction of courts located in Sydney, New South Wales for resolution of any disputes.

Termination

Either party may terminate consultation services with reasonable notice. We reserve the right to terminate or suspend access to services or website immediately if you breach these Terms. Provisions regarding confidentiality, intellectual property, disclaimers, and liability limitations survive termination.

Modifications

We reserve the right to modify these Terms at any time. When material changes occur, we will update the last revised date and may provide notice through email or website notification. Continued use of services after changes constitutes acceptance of modified Terms.

Severability

If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent possible, and remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and gremorivano regarding use of services and supersede all prior or contemporaneous communications, agreements, or understandings, whether written or oral.

Questions About Terms

If you have questions or concerns regarding these Terms and Conditions, please contact us: