These Terms and Conditions ("Terms") govern your access to and use of the quorivorath.com website and services ("Services"). By accessing or using our Services, you agree to be legally bound by these Terms, which form a binding agreement between you and quorivorath.com ("we", "us", or "our"). If you do not agree to these Terms, you must not use our website or Services. These Terms are subject to Australian Consumer Law and other applicable regulations in Australia.
quorivorath.com provides financial coaching and educational services designed to empower users with knowledge and strategies for personal financial management. Our Services include, but are not limited to, online courses, one-on-one coaching sessions, and educational resources focused on budgeting, saving, debt management, and general financial planning. These Services are for educational purposes only and do not constitute personalized financial, investment, legal, or tax advice. We are not licensed financial advisors, and you should consult qualified professionals for specific financial decisions.
To use our Services, you must:
We reserve the right to refuse service to anyone who does not meet these eligibility requirements.
Our financial coaching services are priced at $350 AUD per course, unless otherwise specified. Additional services, such as premium coaching packages or extended resources, may have different pricing, which will be clearly communicated at the time of purchase. Key payment terms include:
Failure to make timely payments may result in suspension or termination of access to our Services.
We are committed to your satisfaction with our coaching services. If you are not satisfied with your first coaching session, you may request a full refund within 7 days of the session. To request a refund, contact us at info@quorivorath.com with your request and a brief explanation. Refunds will be processed within 14 business days, subject to verification. This guarantee applies only to the first session of a coaching course and does not extend to subsequent sessions or other Services unless otherwise specified.
All content on our website, including but not limited to text, graphics, logos, images, videos, software, and course materials, is the exclusive property of quorivorath.com or its licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent. Limited use of our materials for personal, non-commercial purposes is permitted solely in connection with your engagement with our Services.
By using our Services, you agree to:
Failure to comply with these responsibilities may result in suspension or termination of your access to our Services.
Our coaching services and content are educational in nature and do not constitute financial, investment, legal, or tax advice. We are not licensed financial advisors, brokers, or investment professionals, and we do not provide recommendations regarding specific securities, investments, or financial products. You are solely responsible for your financial decisions and should consult with qualified professionals to assess your financial situation, risk tolerance, and investment objectives before taking action. Past performance of any financial strategy or product is not indicative of future results, and all investments carry inherent risks, including the potential loss of principal.
To the maximum extent permitted by Australian law, including the Australian Consumer Law under the Competition and Consumer Act 2010, quorivorath.com, its employees, coaches, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our Services. This includes, but is not limited to, financial losses, missed opportunities, or damages resulting from reliance on our content or coaching. Our total liability for any claim shall not exceed the amount you paid for the Services giving rise to the claim.
Nothing in these Terms excludes or limits our liability for matters that cannot be excluded under Australian Consumer Law, such as statutory guarantees for services of acceptable quality and fitness for purpose.
Your privacy is a priority for us. Please review our Privacy Policy to understand how we collect, use, store, and protect your personal information. By using our Services, you consent to the practices described in our Privacy Policy.
We reserve the right to suspend or terminate your access to our Services at our sole discretion, with or without notice, for reasons including but not limited to:
You may terminate your use of our Services at any time by discontinuing access or contacting us to close your account. Upon termination, your obligations under these Terms, such as respecting intellectual property rights, will survive.
These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes arising from or relating to these Terms or our Services will be subject to the exclusive jurisdiction of the courts of New South Wales, Australia. You agree to submit to this jurisdiction for the resolution of any disputes.
We may modify these Terms at any time to reflect changes in our Services, legal requirements, or business practices. Changes will be effective immediately upon posting on our website, and we may also notify you via email or a notice on our website for significant updates. Your continued use of our Services after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue using our Services.
Our website may contain links to third-party websites, tools, or services for your convenience. These links do not imply endorsement or responsibility for the content, policies, or practices of these third parties. You access third-party resources at your own risk, and we recommend reviewing their terms and privacy policies.
We will not be liable for any failure or delay in providing our Services due to events beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, or technical failures. In such cases, we will make reasonable efforts to resume Services as soon as practicable.
If you have any questions, concerns, or complaints about these Terms or our Services, please contact us at:
Email: info@quorivorath.com
Phone: +61391234567
You may also have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC) regarding our compliance with Australian Consumer Law or privacy regulations. Visit www.oaic.gov.au for more information.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. We will replace the invalid provision with one that reflects the original intent as closely as possible, to the extent permitted by law.
These Terms, together with our Privacy Policy, Cookie Policy, and any other agreements explicitly referenced herein, constitute the entire agreement between you and quorivorath.com regarding your use of our Services. They supersede any prior agreements, representations, or understandings, whether written or oral.
These Terms were last updated on June 20, 2025.