Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Road MagicStar Analysis ABN 12 345 678 901 ("Company", "we", "us", "our") regarding your use of our website, services, and products.

By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our services.

2. Description of Services

Road MagicStar Analysis provides financial planning, budget analysis, and related advisory services to individuals and businesses in Australia. Our services include but are not limited to:

• Personal budget analysis and financial planning
• Business financial planning and strategy
• Investment analysis and advice
• Tax planning strategies
• Retirement and superannuation planning
• Educational content and resources

3. Professional Standards

3.1 Licensing and Qualifications

Our financial advisors hold appropriate licenses and qualifications as required by Australian Financial Services (AFS) licensing requirements and the Corporations Act 2001.

3.2 Professional Obligations

We are bound by professional standards and codes of conduct, including:

• Acting in your best interests
• Providing advice that is appropriate to your circumstances
• Managing conflicts of interest appropriately
• Maintaining professional competence

4. Client Responsibilities

As our client, you agree to:

• Provide accurate, complete, and timely information
• Inform us of any material changes to your circumstances
• Review and understand advice before implementation
• Pay fees and charges as agreed
• Comply with applicable laws and regulations
• Maintain confidentiality of proprietary information

5. Fees and Payment

5.1 Fee Structure

Our fees are disclosed in our Financial Services Guide and individual service agreements. Fees may be charged as:

• Fixed fees for specific services
• Hourly rates for consultation time
• Percentage-based fees for asset management
• Commission from product providers (where disclosed)

5.2 Payment Terms

Payment is due within 30 days of invoice date unless otherwise agreed. Late payments may incur interest charges at the rate of 10% per annum.

6. Advice and Recommendations

6.1 Nature of Advice

Our advice is based on information you provide and market conditions at the time of advice. Past performance is not indicative of future results.

6.2 Implementation

You are not obligated to implement our recommendations. Investment decisions remain your responsibility.

6.3 Review and Updates

Financial advice should be reviewed regularly. We recommend annual reviews or when circumstances change significantly.

7. Confidentiality

We maintain strict confidentiality of your personal and financial information in accordance with:

• Privacy Act 1988 (Cth)
• Corporations Act 2001
• Professional codes of conduct
• Our Privacy Policy

Information may only be disclosed with your consent or as required by law.

8. Limitations of Liability

8.1 Service Limitations

Our services are limited to financial planning and advisory services. We do not provide:

• Legal advice (consult a qualified lawyer)
• Accounting services (consult a qualified accountant)
• Guarantees of investment performance
• Tax return preparation

8.2 Liability Exclusions

To the extent permitted by law, we exclude liability for:

• Investment losses due to market conditions
• Decisions made against our advice
• Third-party product performance
• Indirect or consequential damages

9. Complaints and Disputes

9.1 Internal Complaints Process

If you have a complaint, please contact us first. We will investigate and respond within 45 days.

9.2 External Dispute Resolution

If unsatisfied with our response, you may refer your complaint to:

• Australian Financial Complaints Authority (AFCA)
• Phone: 1800 931 678
• Website: www.afca.org.au
• Email: [email protected]

10. Website Terms

10.1 Acceptable Use

You may use our website for lawful purposes only. Prohibited activities include:

• Attempting to gain unauthorized access
• Transmitting malicious code or viruses
• Collecting user information without consent
• Violating intellectual property rights

10.2 Content Accuracy

While we strive for accuracy, website content is for informational purposes only and should not be relied upon as financial advice without consultation.

11. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works without our written permission.

12. Termination

12.1 Termination by You

You may terminate our services at any time with written notice. Fees for services provided remain payable.

12.2 Termination by Us

We may terminate services with 30 days' written notice or immediately for:

• Non-payment of fees
• Breach of these Terms
• Providing false information
• Illegal activities

13. Changes to Terms

We may update these Terms from time to time. Significant changes will be communicated to you. Continued use of our services after changes indicates acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Victoria.

15. Contact Information

For questions about these Terms, please contact us: