Terms of Use

Last Updated: May 10, 2026

Agreement to Terms

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

Services Description

Prismatic Spark provides financial education and guidance services. Our services are educational in nature and do not constitute regulated financial advice, investment recommendations, or legal counsel.

Educational Purpose

All content, consultations, and materials provided by Prismatic Spark are for educational purposes only. You acknowledge that:

• We do not provide regulated financial product advice
• We do not recommend specific investment products
• Financial decisions remain your sole responsibility
• You should consult licensed professionals for regulated advice

User Responsibilities

When using our services, you agree to:

• Provide accurate and truthful information
• Use services only for lawful purposes
• Not share access credentials with others
• Respect intellectual property rights
• Not attempt to disrupt or damage our website

Intellectual Property

All content on this website, including text, graphics, logos, and educational materials, is the property of Prismatic Spark or its content suppliers and is protected by copyright and intellectual property laws.

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

Service Availability

We strive to maintain continuous website availability but do not guarantee uninterrupted access. We reserve the right to:

• Modify or discontinue services without notice
• Perform maintenance that may temporarily limit access
• Update content and pricing

Payment and Refunds

Services must be paid for in advance unless otherwise agreed. All prices are in Australian Dollars (AUD) and include applicable taxes.

Refund policies are determined on a case-by-case basis. Generally:

• Cancellations made 48 hours before a scheduled session may receive a full refund
• Cancellations made less than 48 hours before a session may incur a cancellation fee
• No-shows are not eligible for refunds

Limitation of Liability

To the fullest extent permitted by law, Prismatic Spark shall not be liable for:

• Financial losses resulting from decisions made based on our educational content
• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Errors or omissions in content

Our total liability for any claims shall not exceed the amount you paid for services in the six months preceding the claim.

Disclaimer of Warranties

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

• Services will meet your specific requirements
• Results will be achieved from using our services
• Content is completely accurate or current
• Website will be error-free or secure

Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or assume responsibility for the content, privacy practices, or accuracy of third-party sites.

Privacy

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

Termination

We reserve the right to terminate or suspend your access to our services at our discretion, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties.

Governing Law

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

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance of the modified terms.

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 other legal notices published on this website, constitute the entire agreement between you and Prismatic Spark regarding your use of our services.

Contact Information

For questions about these Terms of Use, please contact us:

Email: [email protected]
Address: Level 7, 142 Collins Street, Melbourne VIC 3000, Australia