Terms and Conditions
These terms govern use of haloravint.com website and engagement with our consultation services. By accessing this site or engaging our services, you agree to these terms. Last updated October 23, 2025.
Last Updated: October 23, 2025
Acceptance of Terms
Using this website or engaging consultation services constitutes acceptance of these terms and conditions in their entirety. If you disagree with any portion, you should discontinue website use and refrain from engaging services. Continued use after term modifications indicates acceptance of updated provisions.
Definitions
The following terms carry specific meanings throughout this agreement to ensure clarity regarding rights and obligations.
Services refers to financial consultation, zero-based budgeting guidance, value alignment facilitation, and related advisory services provided by haloravint through direct consultation sessions or written communication.
Client means any individual who engages our consultation services through formal agreement, whether for single sessions or ongoing advisory relationships, and includes prospective clients making inquiries.
Website encompasses all pages, content, and functionality available at haloravint.com including information resources, contact forms, and descriptive material about services offered.
Personal Information includes any data collected about individuals through website interaction or service engagement as detailed in our Privacy Policy.
Service Usage Terms
Consultation services are provided for informational and advisory purposes to help clients develop personal financial frameworks. Services do not constitute financial planning, tax advice, legal counsel, or recommendations to purchase specific financial products. Clients remain responsible for all financial decisions and should consult appropriate licensed professionals for matters requiring specialized expertise.
Eligibility
Services are available to Australian residents aged 18 years or older who possess legal capacity to enter binding agreements. Individuals accessing services on behalf of organizations represent that they hold authority to bind such entities to these terms.
We reserve the right to refuse service to any individual or entity at our discretion.
Client Responsibilities
Clients engaging our services accept specific responsibilities to facilitate effective consultation and maintain appropriate professional relationships.
Prohibited Uses
Certain uses of our website and services are expressly prohibited to protect practice integrity and other users.
Intellectual Property Rights
All website content, consultation materials, proprietary frameworks, and methodologies remain the exclusive property of haloravint and are protected by Australian and international intellectual property laws. This includes text, graphics, logos, button icons, software, and compilation of all content. You may not reproduce, distribute, modify, or create derivative works without express written authorization.
Client-Provided Information
Information you provide during consultation sessions or through website communication remains confidential as outlined in our Privacy Policy. However, we may use aggregated, de-identified information derived from client engagements to improve services and understand common needs.
License for Practice Use
By sharing information during consultations, you grant haloravint limited license to use provided details for the purpose of delivering requested services, maintaining records, and improving our methodology through aggregate analysis that protects individual identity.
Privacy and Data Protection
Collection, use, and protection of personal information is governed by our Privacy Policy, which forms an integral part of these terms. We maintain practices consistent with Australian Privacy Principles and handle information according to standards outlined in the separate privacy documentation available on this website.
Privacy PolicyService Disclaimers
Consultation services are provided with certain limitations regarding outcomes, applicability, and professional scope that clients should understand before engagement.
No Guaranteed Results
We cannot and do not guarantee specific financial outcomes, savings amounts, or improvements in financial situations. Results vary significantly based on individual circumstances, commitment levels, external factors beyond our control, and proper implementation of discussed methodologies. Past client experiences do not predict future results.
Limitation of Liability
To the fullest extent permitted by Australian law, haloravint and its consultants shall not be liable for any indirect, incidental, consequential, or punitive damages arising from service use or inability to use services, including financial losses resulting from decisions made based on consultation guidance.
Indemnification
You agree to indemnify and hold harmless haloravint, its consultants, employees, and affiliates from any claims, damages, losses, liabilities, and expenses including legal fees arising from your breach of these terms, misuse of services, or violation of applicable laws.
Dispute Resolution
We are committed to resolving concerns amicably when possible through the following process before pursuing formal legal action.
Arbitration
Disputes that cannot be resolved through direct discussion shall be submitted to binding arbitration in accordance with Australian arbitration standards. Arbitration will occur in the state where our primary office operates unless parties agree otherwise.
You waive rights to pursue claims through court litigation except where prohibited by applicable law.
Online Dispute Resolution
For clients in jurisdictions requiring online dispute resolution mechanisms, we participate in applicable ODR platforms to facilitate complaint resolution outside traditional legal processes.
Access ODR PlatformSeverability
If any provision of these terms is found unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that remaining terms continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy and any separate service agreements, constitute the entire agreement between you and haloravint regarding website use and service engagement, superseding all prior communications and proposals whether electronic, oral, or written.
Governing Law
These terms are governed by laws of Australia and the state in which our practice operates, without regard to conflict of law provisions. Any legal action must be brought in courts of appropriate jurisdiction within Australia.
Termination
We reserve the right to terminate or suspend access to services immediately, without prior notice or liability, for any reason including breach of these terms. Upon termination, your right to use services ceases immediately, though provisions regarding intellectual property, disclaimers, and liability limitations survive termination.
Modifications
We may revise these terms at any time by updating this page. Continued use of website or services after changes indicates acceptance of revised terms. Material changes will be communicated through website notice or direct communication with active clients.
Terms Inquiry Contact
Questions regarding these terms should be directed to our practice using the contact information provided below.
Email Address: content@haloravint.com
Phone Number: +61.7.4388.2197
Mailing Address: 570 Bourke Street, Level 17 & 24, Melbourne, VIC 3000 Australia
Effective Date: October 23, 2025
Version: 2.1