Terms and Conditions of Service

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

These terms were last updated on October 2, 2025

Acceptance of Terms

By accessing raquelothis.sbs, submitting consultation requests, or participating in advisory sessions, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any provision, you must discontinue use of our website and services immediately. Your continued use after modifications to these terms constitutes acceptance of revised provisions.

Definitions

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

• Service or Services refers to financial planning consultations, advisory discussions, analysis, recommendations, and related activities provided by raquelothis to clients through various engagement models.
• Client or You refers to individuals or entities who access raquelothis.sbs, submit consultation requests, or engage our advisory services in any capacity.
• Website refers to raquelothis.sbs including all pages, content, features, functionality, and associated domains or subdomains operated by raquelothis.
• Consultation refers to advisory sessions where raquelothis advisors discuss your financial situation and provide strategic frameworks tailored to your circumstances.

Acceptable Use of Website

You may use raquelothis.sbs for lawful purposes consistent with these terms. You agree not to misuse our website through unauthorized access, interference with functionality, transmission of harmful code, or collection of user information without consent. We reserve the right to suspend or terminate access for violations.

Eligibility Requirements

Our services are designed for Australian residents aged eighteen years or older who have legal capacity to enter binding agreements. By using raquelothis.sbs or engaging our services, you represent that you meet these eligibility requirements.

Services may not be suitable for non-residents subject to different regulatory frameworks.

Your Responsibilities as Client

When engaging raquelothis services, you agree to fulfill certain responsibilities that enable effective consultations:

• Provide accurate, complete, and current information about your financial situation, objectives, and circumstances during consultation discussions and preliminary assessments.
• Review recommendations and analysis carefully, ask questions about anything unclear, and make independent decisions about implementing strategies discussed during consultations.
• Inform us promptly of significant changes in circumstances, objectives, or risk tolerance that might affect the relevance of previous recommendations or analysis.
• Maintain confidentiality of any proprietary methodologies, analytical frameworks, or materials we share during consultations that are not publicly available on raquelothis.sbs.

Prohibited Activities

The following activities are strictly prohibited when using raquelothis.sbs or engaging our services:

• Misrepresenting your identity, credentials, or affiliation, or providing false information during consultation requests or advisory sessions with raquelothis advisors.
• Using our website or services for illegal purposes, fraudulent activities, or in violation of any applicable Australian or local regulations.
• Attempting to gain unauthorized access to raquelothis systems, other user accounts, or confidential information through hacking, password mining, or other means.
• Interfering with or disrupting raquelothis.sbs functionality, servers, or networks, or violating requirements, procedures, policies, or regulations of connected networks.
• Reproducing, distributing, or creating derivative works from raquelothis proprietary content, methodologies, or materials without explicit written permission from management.

Intellectual Property Rights

All content on raquelothis.sbs including text, graphics, logos, images, software, and compilation remains the exclusive property of raquelothis and is protected by Australian and international copyright, trademark, and intellectual property laws. You may view and print content for personal, non-commercial use only. Any other use requires prior written consent from raquelothis.

User-Submitted Content

When you submit information through contact forms, consultation requests, or communications with raquelothis, you grant us a non-exclusive license to use this information for providing services, improving offerings, and internal business purposes as described in our privacy policy.

Privacy and Data Protection

raquelothis is committed to protecting your personal information in accordance with Australian Privacy Principles. Our privacy policy, which forms part of these terms, explains what information we collect, how we use it, and your rights regarding your data. By using our services, you consent to data practices described in the privacy policy. Review Privacy Policy

Service Disclaimers and Limitations

raquelothis provides consultation services subject to important limitations and disclaimers that you must understand:

Limitation of Liability

To the maximum extent permitted by Australian law, raquelothis and its advisors shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, including financial losses from implemented strategies. Our total liability shall not exceed fees paid for services.

Indemnification Obligation

You agree to indemnify and hold harmless raquelothis, its advisors, employees, and affiliates from any claims, damages, losses, or expenses including legal fees arising from your use of services, violation of these terms, or infringement of third-party rights.

Dispute Resolution Process

We encourage resolving disputes through direct communication. If disputes cannot be resolved informally, the following provisions apply:

Governing Law and Jurisdiction

These terms are governed by the laws of Victoria, Australia, without regard to conflict of law principles. You consent to the exclusive jurisdiction of courts located in Melbourne, Victoria, for any disputes not subject to arbitration provisions.

Termination Rights

raquelothis reserves the right to suspend or terminate your access to our website or services at any time for violation of these terms, fraudulent activity, or any reason we deem appropriate. You may terminate your relationship with raquelothis by discontinuing use of services and requesting deletion of your information.

Modifications

raquelothis may modify these terms at any time by posting revised versions on raquelothis.sbs. Material changes will be communicated through prominent website notice or email to active clients. Your continued use after modifications constitutes acceptance of revised terms.

Severability Clause

If any provision of these terms is found invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these terms.

Entire Agreement Statement

These terms, together with our privacy policy and disclaimer, constitute the entire agreement between you and raquelothis regarding use of our website and services, superseding any prior agreements, communications, or understandings whether written or oral.

Questions About Terms

If you have questions about these terms and conditions or require clarification regarding any provisions, please contact raquelothis using the following information: