Terms and Conditions for zorymalsith.com
Effective Date: June 20, 2025
1. Acceptance of Terms
By accessing and using zorymalsith.com and our services, you accept and agree to be bound by these Terms and
Conditions. If you do not agree to these terms, please do not use our services.
2. Description of Services
zorymalsith.com provides financial coaching and capital management education services including:
- Individual financial coaching programs
- Investment strategy guidance
- Budget and cash flow management training
- Wealth building education
- Online resources and materials
3. Service Limitations and Disclaimers
Our services are educational in nature and:
- Do not constitute professional financial advice
- Should not replace consultation with licensed financial advisors
- Do not guarantee specific financial outcomes
- Are based on general principles that may not suit individual circumstances
- Past performance examples do not guarantee future results
4. Pricing and Payment Terms
- Course fees are clearly displayed on our website
- Payment is required before course commencement
- All prices are in Australian Dollars (AUD) including GST where applicable
- We accept major credit cards and bank transfers
- Payment processing is handled by secure third-party providers
5. Refund Policy
- Refunds may be requested within 14 days of course purchase
- Refund eligibility requires less than 25% course completion
- Processing fees may be deducted from refund amounts
- Refunds are processed within 10 business days of approval
- Exceptional circumstances will be considered on a case-by-case basis
6. Intellectual Property Rights
All content, materials, and resources provided are protected by intellectual property laws:
- Copyright belongs to zorymalsith.com or licensed providers
- Personal use only - no commercial redistribution
- No copying, sharing, or reselling of course materials
- Violation may result in legal action
7. User Responsibilities
As a user of our services, you agree to:
- Provide accurate and complete information
- Maintain confidentiality of account credentials
- Use services only for lawful purposes
- Respect intellectual property rights
- Not share access with unauthorised parties
8. 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.
9. Limitation of Liability
To the maximum extent permitted by Australian law:
- We exclude all warranties except those that cannot be legally excluded
- Our liability is limited to the amount paid for our services
- We are not liable for indirect, consequential, or special damages
- Financial decisions remain your responsibility
10. Australian Consumer Law
Nothing in these terms excludes, restricts, or modifies rights under the Australian Consumer Law that
cannot be excluded, restricted, or modified.
11. Termination
We may terminate or suspend access to our services:
- For breach of these terms
- For fraudulent or illegal activity
- At our discretion with reasonable notice
- Upon your request
12. Governing Law
These terms are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive
jurisdiction of Victorian courts.
13. Force Majeure
We are not liable for delays or failures due to circumstances beyond our reasonable control, including
natural disasters, government actions, or technical failures.
14. Amendments
We reserve the right to modify these terms at any time. Changes will be posted on our website with an
updated effective date. Continued use constitutes acceptance of modified terms.
15. Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will continue in
full force and effect.
16. Contact Information
For questions about these Terms and Conditions:
Email: info@zorymalsith.com
Phone: +61 2 8123 4567
Address: Level 15, 123 Collins Street, Melbourne
VIC 3000
17. Entire Agreement
These terms, together with our Privacy Policy, constitute the entire agreement between you and zorymalsith.com
regarding the use of our services.