Terms and conditions of financial recommendations

These terms and conditions set the rules for use of darumelitho’s advisory services. Please review carefully before continuing.

Last revised October 15, 2025

Acceptance of terms

You agree to abide by these terms by accessing or using our services. If you do not accept these rules, please do not use our website or consult with our advisors.

Definitions

Below are the essential terms as referenced throughout this document.

• ‘Service’ refers to financial recommendation consultations provided by darumelitho according to Australian laws.
• ‘User’ means any person using our website or advisory services.
• ‘Content’ includes all guidance, analysis, or written recommendations shared with users.
• ‘Agreement’ signifies the binding arrangement between the user and darumelitho.

Usage of service

Users may access advice only for lawful purposes. Service is available exclusively under compliance with Australian law.

Eligibility

Users must be 18 years or older and legally capable in Australia to use our advisory services.

18+ only applies to financial consultations.

User responsibilities

Respect the integrity, security, and confidentiality of our services at all times.

• Provide truthful, accurate, and up-to-date information.
• Do not attempt unauthorised access to restricted areas.
• Notify us of suspected security breaches immediately.
• Use recommendations only for your personal reference purposes.

Prohibited uses

To safeguard service quality, users may not engage in these actions.

• Use the content for unlawful, misleading, or fraudulent purposes.
• Impersonate another person or entity during consultation.
• Attempt to alter, copy, or distribute advisory content unlawfully.
• Disrupt or attempt to undermine the website’s security or availability.
• Provide false information or documentation during interactions.

Intellectual property rights

All content, materials, and logos remain the property of darumelitho. Copying, distributing, or modifying them without permission is prohibited.

User-provided content

Content you provide in forms or discussions is subject to our privacy policy and may be retained as required.

Your privacy protection

Safeguarding your information is central to our approach. Refer to our privacy policy for complete details on collection and safeguards. See details here

Disclaimer of liability

We strive for accuracy and reliability but cannot guarantee all advice or content is free from errors or up to date.

Limitation of liability

darumelitho shall not be responsible for damages resulting from use of advisory services or external factors beyond our control.

Indemnification

By using our site, you agree to indemnify darumelitho against claims or losses from breach of terms or unlawful actions.

Dispute resolution process

Any concerns will be managed through open communication first, then alternative dispute resolution if needed.

Applicable governing law

These terms are governed exclusively by Australian law and local jurisdiction.

Termination

darumelitho may suspend access for violations or improper use at its discretion, with or without notice.

Modifications

We reserve the right to update terms at any time. Continued use implies acceptance of the latest version.

Severability

If a term is found unenforceable, remaining rules continue in effect.

Entire agreement

This document, plus referenced policies, constitutes the entire understanding between parties.

Contact information

You may contact our team for questions about these terms.