Harmony Quartz

Agreement to Terms

By accessing or using the Harmony Quartz website (harmony-quartz.com), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Use License

Permission is granted to temporarily access and view the materials on Harmony Quartz's website for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or public display
• Attempt to decompile or reverse engineer any software contained on the website
• Remove any copyright or proprietary notations from the materials
• Transfer the materials to another person or mirror the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Harmony Quartz at any time.

Nature of Information and Advice

General Information Only

The information provided on this website is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation, or needs.

Before making any financial decisions or acting on any information from this website, you should consider the appropriateness of the information to your circumstances and seek professional advice.

No Financial Product Advice

Information on this website does not constitute an offer to sell or a solicitation to buy any financial product. We do not recommend or endorse any specific financial products, and you should conduct your own research before making investment decisions.

Australian Focus

The information and services provided are designed for Australian residents and are based on Australian tax laws, superannuation regulations, and financial services legislation. The information may not be appropriate for users in other jurisdictions.

User Responsibilities

When using our website, you agree to:

• Provide accurate and complete information when submitting forms or communications
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized use of your account
• Use the website only for lawful purposes
• Not attempt to interfere with the website's operation or security
• Not use automated systems or software to extract data from the website

Disclaimer of Warranties

The materials on Harmony Quartz's website are provided on an "as is" basis. Harmony Quartz makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Furthermore, Harmony Quartz does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

Limitation of Liability

In no event shall Harmony Quartz or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Harmony Quartz's website, even if Harmony Quartz or an authorized representative has been notified orally or in writing of the possibility of such damage.

To the extent permitted by law, Harmony Quartz's total liability to you for all claims arising from or related to the website or services is limited to the amount you paid us in the 12 months prior to the claim.

Accuracy of Materials

The materials appearing on Harmony Quartz's website could include technical, typographical, or photographic errors. Harmony Quartz does not warrant that any of the materials on its website are accurate, complete, or current.

Harmony Quartz may make changes to the materials contained on its website at any time without notice. However, Harmony Quartz does not make any commitment to update the materials.

Links to Third-Party Websites

Harmony Quartz has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Harmony Quartz of the site. Use of any such linked website is at the user's own risk.

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, software, and design, is the property of Harmony Quartz or its content suppliers and is protected by Australian and international copyright laws.

The compilation of all content on this site is the exclusive property of Harmony Quartz and protected by Australian and international copyright laws.

User-Submitted Content

Any information, feedback, or materials you submit to us through forms, email, or other means may be used by Harmony Quartz for any purpose, including but not limited to reproducing, disclosing, and publishing such content (in anonymized form where appropriate) for marketing or educational purposes.

You represent and warrant that you own or have the necessary rights to submit such content and that the content does not violate any third-party rights.

Privacy and Personal Information

Your use of the website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Professional Engagement

Use of this website or submission of an inquiry form does not create a professional relationship between you and Harmony Quartz. A professional relationship is established only when:

• We have agreed in writing to provide services to you
• You have paid the agreed fee
• We have issued a formal engagement letter or service agreement

Modification of Terms

Harmony Quartz may revise these Terms of Use at any time without notice. By using this website, you agree to be bound by the current version of these Terms of Use.

We will update the effective date at the top of this page when changes are made. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Victoria, Australia. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of these Terms, which will otherwise remain in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service-specific terms, constitute the entire agreement between you and Harmony Quartz regarding use of the website and supersede all prior or contemporaneous communications.

Contact Information

If you have any questions about these Terms of Use, please contact us at:

Harmony Quartz
Email: [email protected]
Address: Level 12, 180 Lonsdale Street, Melbourne VIC 3000, Australia

Acknowledgment

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.