Terms of Use
Effective Date: May 17, 2026
Welcome to Sparkling Motor. These Terms of Use govern your access to and use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
1. Acceptance of Terms
By accessing or using the Sparkling Motor website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.
2. Description of Services
Sparkling Motor provides financial planning, consultation, and educational services related to personal finance fundamentals. Our services include but are not limited to:
- Financial planning consultations
- Investment portfolio reviews
- Tax optimization strategy sessions
- Retirement planning guidance
- Debt management advisory
- Ongoing wealth building programs
All services are subject to availability and may be modified or discontinued at our discretion.
3. Eligibility
You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are of legal age and have the legal capacity to enter into these Terms.
4. User Responsibilities
When using our website and services, you agree to:
- Provide accurate, current, and complete information
- Maintain the confidentiality of any account credentials
- Notify us immediately of any unauthorised use of your account
- Use our services only for lawful purposes
- Not interfere with or disrupt the operation of our website
- Not attempt to gain unauthorised access to our systems
- Not use our services to transmit malicious code or harmful content
5. Intellectual Property Rights
All content on the Sparkling Motor website, including but not limited to text, graphics, logos, images, software, and compilations, is the property of Sparkling Motor or its licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our website without our prior written permission.
6. Financial Advice Disclaimer
The information and services provided by Sparkling Motor are for educational and informational purposes. While we strive to provide accurate and helpful guidance, our services do not constitute formal financial advice as regulated under Australian financial services law.
We are not licensed financial advisers, and our consultations should not be considered a substitute for professional financial, legal, or tax advice. You should consult with licensed professionals before making significant financial decisions.
We make no guarantees regarding specific financial outcomes or results from using our services.
7. Payment and Refunds
All service fees are listed in Australian Dollars (AUD) and are payable in advance unless otherwise agreed. Payment must be received before services are rendered.
We accept payment via bank transfer, credit card, or other methods as communicated during booking.
Refund Policy: If you are unsatisfied with our services, please contact us within 14 days of your consultation. We will review refund requests on a case-by-case basis. Refunds for ongoing programs will be prorated based on services already provided.
8. Cancellation and Rescheduling
If you need to cancel or reschedule a consultation, please notify us at least 24 hours in advance. Cancellations made with less than 24 hours' notice may not be eligible for a refund or reschedule.
We reserve the right to cancel or reschedule consultations due to unforeseen circumstances. In such cases, we will offer you an alternative time or a full refund.
9. Confidentiality
We treat all information you share during consultations as confidential and will not disclose it to third parties except:
- With your explicit consent
- As required by law or legal process
- To service providers assisting us in delivering our services (who are bound by confidentiality obligations)
You are responsible for ensuring that any information you provide does not violate the rights of third parties.
10. Limitation of Liability
To the fullest extent permitted by law, Sparkling Motor and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use our services
- Any unauthorised access to or use of our servers or personal information
- Any interruption or cessation of our services
- Any errors or omissions in any content
- Financial decisions made based on our consultations
Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid us for the specific service giving rise to the claim.
11. Indemnification
You agree to indemnify, defend, and hold harmless Sparkling Motor and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:
- Your access to or use of our services
- Your violation of these Terms
- Your violation of any third-party rights
12. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by Sparkling Motor. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content or services.
13. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of Victoria, Australia, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.
14. Dispute Resolution
If a dispute arises between you and Sparkling Motor, we encourage you to contact us first to attempt to resolve the matter informally. If we cannot resolve the dispute informally, either party may initiate formal dispute resolution proceedings.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
16. 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 Sparkling Motor regarding your use of our services and supersede any prior agreements or understandings.
17. Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorised representative of Sparkling Motor.
18. Assignment
You may not assign or transfer these Terms or your rights and obligations under these Terms without our prior written consent. We may assign or transfer these Terms at our discretion without restriction.
19. Contact Information
If you have any questions about these Terms of Use, please contact us:
Sparkling Motor
Level 7, 582 Collins Street
Melbourne VIC 3000
Australia
Email: [email protected]
20. Acknowledgment
By using our services, you acknowledge that you have read these Terms of Use and agree to be bound by them.