calyviros - Zero-Based Budgeting Consultations for Values-Aligned Financial Control

Acceptance of Terms

By accessing, browsing, or using this website and services provided by calyviros.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any provision, you must discontinue use immediately and refrain from engaging our consultation services.

Definitions

For purposes of these Terms and Conditions, the following definitions apply throughout this agreement and related documentation:

Services refers to financial consultation services focusing on zero-based budgeting methodologies and values alignment frameworks provided by calyviros.com consultants through in-person, phone, or video conference sessions.

Client refers to any individual who engages our consultation services, submits information through contact forms, or schedules appointments for financial planning discussions.

Website refers to calyviros.com including all pages, content, features, and functionality accessible through this calyviros and associated subdomains.

Personal Information refers to data that identifies or could reasonably identify an individual as defined in our Privacy Policy.

Service Usage Terms

Our consultation services provide personalized guidance on zero-based budgeting and values-aligned financial planning. Services do not constitute financial advice, investment recommendations, or professional accounting services. Information provided during consultations represents educational frameworks and personal perspectives only. Results may vary based on individual circumstances and implementation commitment.

Eligibility Requirements

Services are available to individuals aged eighteen years or older who possess legal capacity to enter binding agreements. By engaging our services, you represent that you meet eligibility requirements and provide accurate information about your circumstances.

Services are not suitable for individuals seeking investment advice or specific financial product recommendations.

Client Responsibilities and Obligations

Clients engaging our consultation services agree to fulfill certain responsibilities to ensure effective service delivery and positive outcomes:

Provide accurate, complete, and truthful information about financial circumstances, goals, and priorities during consultations and assessment processes to enable personalized framework development.

Maintain confidentiality of consultation materials, frameworks, and proprietary methodologies shared during sessions, refraining from unauthorized distribution or commercial use.

Implement recommended frameworks in good faith, understanding that results depend significantly on personal commitment, consistency, and adaptation to individual circumstances.

Communicate openly about challenges, questions, or concerns arising during implementation to enable effective support and framework refinement.

Prohibited Uses

The following activities are strictly prohibited when using our website or engaging our consultation services:

Misrepresenting identity, credentials, or circumstances to obtain services under false pretenses or for purposes other than personal financial planning.

Recording, reproducing, or distributing consultation materials, proprietary frameworks, or methodologies without explicit written permission for commercial or public purposes.

Using information obtained through consultations to provide competing financial planning services or to develop commercial products based on our methodologies.

Attempting to gain unauthorized access to website systems, client databases, or confidential business information through hacking or other technical means.

Harassing, threatening, or engaging in abusive behavior toward consultants, staff members, or other clients through any communication channel.

Intellectual Property Rights

All website content, consultation materials, budgeting frameworks, assessment tools, and methodologies remain the exclusive intellectual property of calyviros.com and its creators. This includes but is not limited to text, graphics, logos, methodology descriptions, and framework templates. Clients receive limited, non-exclusive, non-transferable licenses to use frameworks for personal financial planning purposes only. Commercial use, reproduction, or distribution requires explicit written authorization.

Client-Provided Content

Information, financial data, and personal details you provide during consultations remain your property. By sharing information with us, you grant permission to use it solely for providing consultation services, improving methodologies, and internal business purposes.

Anonymized Data Usage Rights

We may use anonymized, aggregated data derived from client experiences to improve services, develop case studies, and create educational content, provided individual identities remain completely protected and unidentifiable in any published materials or presentations.

Privacy and Data Protection

We are committed to protecting your personal information in accordance with Australian Privacy Principles and applicable data protection regulations. Our privacy practices, including collection, use, disclosure, and security of personal information, are detailed comprehensively in our Privacy Policy. By using our services, you consent to information handling as described in that policy. We maintain strict confidentiality regarding financial information shared during consultations.

Privacy Policy

Service Disclaimers and Limitations

Clients must understand important limitations regarding consultation services and outcomes before engaging our practice:

Results Variation Warning

Financial outcomes from implementing zero-based budgeting frameworks vary significantly based on individual circumstances, income levels, expense patterns, personal commitment, and numerous external factors beyond our control. We make no guarantees regarding specific financial results, expense reduction amounts, or timeline for achieving personal objectives.

Limitation of Liability

To the maximum extent permitted by Australian law, calyviros.com, its consultants, employees, and affiliates shall not be liable for any indirect, incidental, consequential, or special damages arising from service use, including financial losses, missed opportunities, or implementation difficulties. Total liability for any claims shall not exceed amounts paid for services within the preceding six months.

Indemnification

You agree to indemnify and hold harmless calyviros.com, its consultants, employees, and affiliates from any claims, damages, losses, or expenses arising from your use of services, violation of these terms, or infringement of third-party rights through your actions or omissions.

Dispute Resolution Procedures

We are committed to resolving any disputes or concerns through fair, efficient processes that minimize costs and preserve relationships:

Arbitration Agreement

Any disputes arising from these terms or service provision shall be resolved through binding arbitration in accordance with Australian commercial arbitration rules, rather than through court litigation. Arbitration shall occur in Sydney, Australia unless alternative locations are mutually agreed.

This arbitration clause does not affect statutory rights that cannot be waived under Australian consumer protection law.

Online Dispute Resolution Platform

The Australian Government provides an online dispute resolution platform for consumer disputes. While we encourage direct communication to resolve concerns, clients may access this platform if informal resolution proves unsuccessful.

Access Australian Consumer Dispute Platform

Severability Provision

If any provision of these Terms and Conditions is found invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or severed if modification is not possible. Remaining provisions shall continue in full force and effect.

Entire Agreement Clause

These Terms and Conditions, together with our Privacy Policy and any written service agreements, constitute the entire agreement between clients and calyviros.com regarding service provision, superseding all prior communications, understandings, or agreements whether written or oral.

Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of New South Wales, Australia, without regard to conflict of law principles. Australian courts shall have exclusive jurisdiction over any disputes not subject to arbitration.

Termination Rights

Either party may terminate consultation relationships at any time with written notice. We reserve the right to refuse service or terminate relationships if clients violate these terms, provide false information, engage in prohibited activities, or behave inappropriately toward staff. Termination does not affect obligations incurred before termination date.

Terms Modification

We reserve the right to modify these Terms and Conditions at any time to reflect service changes, legal requirements, or business practices. Material changes will be communicated through website notices or direct client communication. Continued service use after modifications constitutes acceptance of updated terms.

Questions About These Terms

If you have questions, concerns, or require clarification regarding these Terms and Conditions, please contact us using the information below:

Email Address: content@calyviros.com

Phone Contact: +61.7.3771.2843

Postal Address: 66 Clarence Street, Sydney, NSW 2000 Australia

Terms and Conditions of Service