Terms and Conditions of Service

These terms govern your use of tarenoxilo.com and consultation services provided by tarenoxilo. By accessing this website or engaging our services, you agree to these terms. Please read carefully before proceeding.

These terms were last updated on October 26, 2025

Acceptance of Terms

By accessing this website, requesting consultation services, or engaging with our team, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you should not use this website or engage our consultation services.

Key Definitions

For clarity in these terms, the following definitions apply throughout this document:

• Services refers to all consultation services, guidance, frameworks, materials, and support provided by tarenoxilo related to zero-based budgeting methodology and values-aligned financial control.
• Client refers to any individual or entity that engages our consultation services, communicates with our team, or receives guidance related to budgeting frameworks and financial approaches.
• Website refers to tarenoxilo.com and all associated pages, content, materials, and functionality available through this tarenoxilo.
• Personal Information refers to any data that identifies or could identify an individual, as further described in our Privacy Policy.

Use of Services

Our consultation services are intended to provide guidance, frameworks, and strategies related to zero-based budgeting methodology. Services are advisory in nature and do not constitute financial planning, legal advice, or professional recommendations regarding specific financial products or transactions. Clients remain solely responsible for their financial decisions and actions.

Eligibility Requirements

Services are available to individuals aged 18 years or older who are residents of Australia. By engaging our services, you represent that you meet these eligibility requirements and have legal capacity to enter into binding agreements.

Services are not available to individuals outside Australia at this time.

Client Responsibilities and Obligations

Clients engaging our consultation services agree to the following responsibilities:

• Provide accurate and complete information during consultations to enable effective analysis and framework development tailored to actual circumstances.
• Implement budgeting frameworks and strategies with reasonable effort and consistency, recognizing that results depend on personal commitment and application.
• Communicate openly about challenges, questions, or changing circumstances that may affect framework effectiveness or require adjustment during consultation relationship.
• Respect confidentiality of consultation methodologies, proprietary materials, and frameworks developed specifically for your circumstances and not share without permission.

Prohibited Use Activities

The following activities are strictly prohibited when using our website or services:

• Misrepresenting information or circumstances during consultations in ways that compromise analysis accuracy or framework appropriateness for actual situations.
• Using consultation materials, frameworks, or proprietary methodologies for commercial purposes or distribution to others without explicit written permission.
• Attempting to access restricted areas of website, interfere with website functionality, or compromise security measures protecting client information and systems.
• Engaging in any activity that violates applicable laws, infringes intellectual property rights, or harms the reputation or interests of tarenoxilo or other clients.
• Sharing login credentials, consultation materials, or personalized frameworks with unauthorized individuals or using services on behalf of others without permission.

Intellectual Property Rights

All content, materials, methodologies, frameworks, and intellectual property provided through our website and consultation services remain the exclusive property of tarenoxilo. This includes proprietary budgeting approaches, analysis techniques, consultation materials, and customized frameworks developed during sessions. Clients receive limited license to use frameworks for personal application but may not reproduce, distribute, or commercialize materials without explicit written permission.

Client-Provided Information Content

Financial information, personal details, and other content you provide during consultations remain your property. By sharing information with us, you grant permission to use it for providing consultation services, developing frameworks, and creating anonymized aggregated data for service improvement.

Privacy and Data Protection Practices

Protection of personal information is fundamental to our service delivery. Our Privacy Policy, which forms part of these terms, describes in detail how we collect, use, store, and protect client information. By engaging our services, you consent to data practices described in the Privacy Policy. We implement appropriate security measures to protect sensitive information shared during consultations. Review Privacy Policy

Service Limitations and Important Disclaimers

The following disclaimers are essential to understand before engaging our consultation services:

Limitation of Liability Provisions

To the maximum extent permitted by law, tarenoxilo and its consultants shall not be liable for any indirect, incidental, consequential, or punitive damages arising from use of our services, website, or reliance on guidance provided during consultations. Our total liability for any claims shall not exceed the amount paid for consultation services in the six months preceding the claim.

Client Indemnification Agreement

You agree to indemnify and hold harmless tarenoxilo, its consultants, and representatives from any claims, damages, losses, or expenses arising from your use of services, violation of these terms, or infringement of any rights of third parties.

Dispute Resolution and Applicable Law

The following provisions govern resolution of disputes arising from these terms or consultation services:

Governing Law and Jurisdiction

These terms are governed by the laws of Australia and the state or territory where our primary operations are located. Any legal proceedings must be brought in courts having jurisdiction in that location.

Service Termination

Either party may terminate the consultation relationship with reasonable notice. We reserve the right to terminate services immediately if clients violate these terms, provide fraudulent information, or engage in prohibited activities. Termination does not affect obligations or liabilities incurred prior to termination date.

Terms Modifications

We reserve the right to modify these terms at any time. Material changes will be communicated to active clients via email or through website notification. Continued use of services after changes constitutes acceptance of modified terms.

Severability Clause

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, and the remaining provisions shall remain in full force and effect.

Entire Agreement Statement

These terms, together with our Privacy Policy, constitute the entire agreement between clients and tarenoxilo regarding use of services and supersede all prior agreements, understandings, or representations, whether written or oral.

Contact Information for Terms Questions

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