Terms and Conditions of Service

These Terms and Conditions govern your use of the qirathenor website and consultation services. By accessing our website or engaging our consultation services, you agree to be bound by these terms. Please read them carefully before proceeding.

These Terms were last updated October 10, 2025

Acceptance of Terms

By accessing qirathenor.com or engaging our zero-based budgeting consultation services, 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 part of these terms, you must discontinue use of our website and services immediately.

Definitions

For purposes of these Terms, the following definitions apply throughout this document:

• Services refers to zero-based budgeting consultation, values alignment guidance, implementation support, and related advisory services provided by qirathenor to clients through scheduled sessions or digital communications.
• Website refers to qirathenor.com and all associated pages, content, features, and functionality accessible through this qirathenor name or related subdomains.
• Client or You refers to individuals or entities who access our website, request information, or engage our consultation services for zero-based budgeting implementation guidance.
• We, Us, or Our refers to qirathenor, including employees, consultants, and authorized representatives providing services or maintaining website operations.

Use of Our Services

Our consultation services provide guidance on implementing zero-based budgeting methodology and aligning financial decisions with personal values. Services are informational and educational in nature, designed to help you develop budgeting skills and financial awareness. We do not provide financial product recommendations, investment advice, or guarantee specific financial outcomes.

Eligibility

Our services are available to individuals aged 18 years or older who have legal capacity to enter binding contracts under Australian law. By using our services, you represent and warrant that you meet these eligibility requirements.

We reserve the right to refuse service to anyone at our discretion.

Your Responsibilities as Client

When engaging our consultation services or using our website, you agree to the following responsibilities:

• Provide accurate, current, and complete information during consultation sessions and when submitting inquiries or registration forms through our website
• Maintain confidentiality of any account credentials or access information provided for client portals or scheduled consultation sessions
• Use consultation guidance responsibly and adapt recommendations to your specific circumstances, recognizing that implementation requires personal judgment
• Notify us promptly of any changes to contact information or circumstances that might affect consultation relevance or applicability

Prohibited Uses

You may not use our website or services for any of the following purposes:

• Violating any applicable local, state, national, or international law or regulation in connection with accessing or using our services
• Transmitting any harmful code, viruses, or malicious software that could damage or disrupt our website, systems, or other users' experience
• Attempting to gain unauthorized access to our systems, other user accounts, or computer systems connected to our services through hacking or other means
• Using our website or consultation insights to provide competing services or replicate our methodology for commercial purposes without written permission
• Harassing, threatening, or abusing our staff, consultants, or other clients through any communication channel associated with our services

Intellectual Property Rights

All content on our website including text, graphics, logos, methodology frameworks, consultation materials, and software is the property of qirathenor and protected by Australian and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

Client-Provided Content

When you share financial information, personal circumstances, or feedback during consultation sessions or through website communications, you grant us permission to use this information to provide services. We maintain confidentiality as described in our Privacy Policy.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which complies with Australian Privacy Principles under the Privacy Act 1988. By using our services, you consent to data practices described in the Privacy Policy, which is incorporated into these Terms by reference. View Privacy Policy

Service Disclaimers and Limitations

Please carefully review the following disclaimers regarding our consultation services:

Limitation of Liability

To the maximum extent permitted by Australian law, qirathenor shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of services or inability to access our website, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless qirathenor, its consultants, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your violation of these Terms, misuse of services, or breach of any representation or warranty herein.

Dispute Resolution and Governing Law

These Terms are governed by the laws of Australia, and disputes shall be resolved as follows:

Applicable Law

These Terms shall be governed by and construed in accordance with the laws of the State of New South Wales, Australia, without regard to conflict of law principles. Exclusive jurisdiction for any disputes lies with courts in Sydney, New South Wales.

Termination

We reserve the right to terminate or suspend your access to services immediately, without prior notice or liability, for any reason including breach of these Terms. Upon termination, your right to use services ceases immediately, though provisions regarding intellectual property, disclaimers, and liability limitations survive termination.

Modifications

We reserve the right to modify these Terms at any time. Changes become effective immediately upon posting to our website. Your continued use of services after modifications constitutes acceptance of updated Terms. We will indicate the date of most recent updates at the top of this document.

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that remaining Terms continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and qirathenor regarding use of services and supersede all prior agreements or understandings.

Contact Information for Terms Questions

If you have questions about these Terms and Conditions, please contact us using the following information: