Terms of Use

1. Agreement to Terms

By accessing and using the website sagastored.com and the services provided by Riverstone Budget Solutions (ABN: 12 345 678 901), you agree to be bound by these Terms of Use and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing this site and our services.

2. Company Information

Business Name: Riverstone Budget Solutions
Address: 106 Riverside Drive, Richmond, VIC 3121, Australia
Phone: +61 2 9876 5432
Email: info@sagastored.com
Website: sagastored.com

We are a licensed financial services provider under Australian Securities and Investments Commission (ASIC) regulations.

3. Services Description

Riverstone Budget Solutions provides professional financial consulting services including:

• Personal budget planning and optimization
• Debt management and reduction strategies
• Lifestyle optimization consulting
• Investment planning and advice
• Family financial planning
• Small business budget consulting

All services are provided by qualified financial professionals in accordance with Australian financial services regulations.

4. Website Use License

4.1 Permission

Permission is granted to temporarily download one copy of the materials on our website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title.

4.2 Restrictions

Under this license you may not:

• Modify or copy the materials
• Use the materials for commercial purposes or public display
• Attempt to decompile or reverse engineer software on the website
• Remove any copyright or proprietary notations from the materials
• Transfer the materials to another person

5. User Account and Responsibilities

5.1 Account Security

If you create an account on our website, you are responsible for:

• Maintaining the confidentiality of your login information
• All activities that occur under your account
• Notifying us immediately of unauthorized account use
• Providing accurate and up-to-date information

5.2 Prohibited Activities

You agree not to:

• Use the website for illegal or unauthorized purposes
• Transmit viruses or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper working of the website
• Impersonate another person or entity
• Harvest or collect information about other users

6. Service Terms and Conditions

6.1 Service Agreements

Specific services are subject to separate service agreements that will be provided before commencement. These may include additional terms regarding:

• Service scope and deliverables
• Payment terms and schedules
• Cancellation and refund policies
• Confidentiality requirements

6.2 Professional Standards

Our services are provided in accordance with:

• Australian Securities and Investments Commission (ASIC) regulations
• Financial Planning Association (FPA) code of conduct
• Australian Privacy Principles
• Professional indemnity insurance requirements

7. Payment Terms

7.1 Fees and Charges

• Service fees are outlined in individual service agreements
• Payment is due as specified in your service agreement
• Late payment fees may apply after 30 days overdue
• All fees are quoted in Australian Dollars (AUD)
• GST is included in all quoted prices where applicable

7.2 Refund Policy

Refunds are available under the following conditions:

• Service cancellation within 7 days of agreement
• Service not delivered as agreed
• Dissatisfaction with service quality (case-by-case basis)
• As required by Australian Consumer Law

8. Intellectual Property Rights

The website and its original content, features, and functionality are owned by Riverstone Budget Solutions and are protected by:

• Australian copyright laws
• International copyright treaties
• Trademark and other intellectual property rights

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

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms of Use.

By using our services, you consent to:

• Collection of personal and financial information necessary for service delivery
• Use of information for the purposes outlined in our Privacy Policy
• Storage and processing of data in accordance with Australian Privacy Act
• Communication via email, phone, or post regarding our services

10. Disclaimers and Limitations

10.1 Service Disclaimers

While we strive to provide accurate and helpful financial advice:

• Financial outcomes cannot be guaranteed
• Market conditions may affect investment performance
• Individual results may vary based on personal circumstances
• Past performance does not guarantee future results
• You should consider seeking independent advice for complex matters

10.2 Website Disclaimers

The materials on our website are provided on an 'as is' basis. We make no warranties, expressed or implied, and disclaim all other warranties including:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement of intellectual property
• Accuracy, reliability, or completeness of information

11. Limitation of Liability

To the maximum extent permitted by Australian law:

• Our total liability is limited to the fees paid for services
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for losses due to market conditions
• We maintain professional indemnity insurance as required by law

Nothing in these terms excludes or limits our liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Breach of statutory consumer guarantees under Australian Consumer Law

12. Indemnification

You agree to indemnify and hold harmless Riverstone Budget Solutions, its employees, and agents from any claims, damages, or expenses arising from:

• Your use of our website or services
• Your violation of these Terms of Use
• Your violation of any third-party rights
• Any false or misleading information you provide

13. Termination

13.1 Termination by You

You may terminate your use of our services at any time by:

• Providing written notice as specified in your service agreement
• Closing your account if applicable
• Ceasing to use our website and services

13.2 Termination by Us

We may terminate or suspend your access immediately if you:

• Breach these Terms of Use
• Fail to pay fees when due
• Engage in fraudulent or illegal activities
• Provide false or misleading information

14. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from these terms or our services will be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

If you are a consumer under Australian Consumer Law, you may have additional rights that cannot be excluded by these terms.

15. Dispute Resolution

15.1 Internal Complaints Process

We are committed to resolving complaints fairly and efficiently:

• Contact us at support@sagastored.com with your complaint
• We will acknowledge your complaint within 1 business day
• We aim to resolve complaints within 30 days
• You will receive written confirmation of the resolution

15.2 External Dispute Resolution

If you are not satisfied with our response, you may contact:

• Australian Financial Complaints Authority (AFCA)
  Website: afca.org.au
  Phone: 1800 931 678
  Email: info@afca.org.au
• Australian Securities and Investments Commission (ASIC)
  Website: asic.gov.au
  Phone: 1300 300 630

16. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective when:

• Posted on our website with an updated revision date
• Notified to existing clients via email where material changes occur
• You continue to use our services after the changes take effect

We recommend reviewing these terms periodically for any updates.

17. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue to be valid and enforceable.

18. Entire Agreement

These Terms of Use, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Riverstone Budget Solutions regarding the use of our website and services.

19. Contact Information

If you have any questions about these Terms of Use, please contact us:

20. Acknowledgment

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy.

These terms were last updated on January 1, 2025, and are effective immediately for all users.