Terms of Use

Last Updated: May 11, 2026

Agreement to Terms

By accessing or using the firm-hinges website and services, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our website or use our services.

Description of Services

firm-hinges provides financial optimization services including expense analysis, debt restructuring consultation, tax efficiency planning, and related financial advisory services. Our services are informational and advisory in nature and do not constitute:

• Licensed financial planning under Australian law
• Tax preparation or lodgment services
• Investment management or securities trading
• Legal or accounting advice

Eligibility

You must be at least 18 years old and capable of entering into legally binding contracts under Australian law to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

User Responsibilities

Accurate Information

You agree to provide accurate, current, and complete information when using our services. You are responsible for maintaining the accuracy of your information and updating it as necessary.

Confidentiality

You are responsible for maintaining the confidentiality of any account credentials or sensitive information shared with us. Notify us immediately of any unauthorized use of your account.

Prohibited Uses

You agree not to:

• Use our services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Interfere with the proper functioning of our website
• Impersonate another person or entity
• Collect or harvest information about other users
• Use automated systems to access our website without permission

Service Terms

Service Delivery

We will provide services with reasonable skill and care consistent with industry standards. Service timelines are estimates and may vary based on the complexity of your situation and promptness of information provision.

Payment Terms

Service fees are as listed on our website at the time of your request. Payment is due before service commencement unless alternative arrangements are agreed in writing. All prices are in Australian Dollars (AUD) and include GST where applicable.

Refund Policy

If we cannot deliver the agreed service or if you are unsatisfied with our work, we will work to resolve the issue. Refund requests must be submitted within 14 days of receiving your analysis report. Refunds are evaluated on a case-by-case basis.

Service Limitations

Our analysis and recommendations are based on information you provide and general financial principles. We cannot guarantee specific financial outcomes. Implementation of recommendations is your responsibility, and results may vary based on individual circumstances and market conditions.

Intellectual Property

Our Content

All content on this website, including text, graphics, logos, images, and software, is the property of firm-hinges or its content suppliers and is protected by Australian and international copyright laws.

Your Content

You retain ownership of any information or materials you provide to us. By providing content, you grant us a limited license to use it solely for the purpose of delivering our services to you.

Restrictions

You may not:

• Reproduce, distribute, or create derivative works from our content without permission
• Remove copyright or proprietary notices from our content
• Use our content for commercial purposes without authorization

Disclaimers

No Warranties

Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• Our services will meet your specific requirements
• Our services will be uninterrupted, timely, secure, or error-free
• Results obtained from our services will be accurate or reliable
• Any errors in our services will be corrected

Not Financial Advice

Information provided through our services is for educational and informational purposes. It should not be considered personalized financial advice unless specifically provided as part of a paid consultation service. Always verify recommendations with qualified professionals before implementation.

Limitation of Liability

To the fullest extent permitted by Australian law, firm-hinges shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of your data
• Any errors or omissions in our services
• Implementation of our recommendations

Our total liability for any claim arising from our services shall not exceed the amount you paid for the specific service giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless firm-hinges, its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms of Use
• Your violation of any rights of another party
• Any information you provide to us

Privacy

Your use of our services is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these websites. Your use of third-party websites is at your own risk and subject to their terms and conditions.

Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation.

Changes to Terms

We may revise these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

Governing Law

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

Dispute Resolution

If a dispute arises, we encourage you to contact us first to attempt informal resolution. If informal resolution is unsuccessful, disputes will be resolved through binding arbitration in accordance with the rules of the Australian Centre for International Commercial Arbitration.

Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and firm-hinges regarding our services.

Contact Information

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

Email: [email protected]
Address: Level 14, 127 Creek Street, Brisbane QLD 4000, Australia