Terms and Conditions for Consultation Services
These terms outline how you may use consultation offerings or access professional content and resources provided through melquindaro.com.
October 31, 2025
Acceptance of Terms
By accessing our services or website, you confirm your acceptance and agreement to these terms. If you disagree, please discontinue use. Ongoing use means you accept any updates or changes to these conditions.
Key Terms
Important terms explained for clarity throughout these conditions:
‘Consultation’ means any analytical review, discussion, or guidance provided by our advisors, either in-person or remotely.
‘Content’ refers to all written, audio, or visual materials found on our website or provided in consultation sessions by our team.
‘Client’ includes any person or entity that uses or requests services offered by the company.
‘Website’ references melquindaro.com and its official digital properties where services are offered or content hosted.
Service Use Guidelines
Use our website and consultations only for lawful, professional purposes. Any improper or unauthorized use may result in access termination or legal action.
Eligibility
Our consultations are intended strictly for individuals who meet legal conditions to engage in independent financial discussions and support.
Users under 18 years old may not use our consultation services.
User Responsibilities
You agree to provide accurate details and comply with all local, state, and federal laws while using this site or any services.
Prohibited Conduct
You may not engage in any activities that violate or attempt to circumvent these terms.
Intellectual Property
All materials, text, and content on this site are protected by Australian copyright and intellectual property laws. Use is limited to personal reference as a client. Unauthorised commercial use or redistribution is strictly prohibited.
User Content
Content submitted by users during communication or consultation must comply with relevant legal and ethical standards.
User Content Rights
By submitting content or feedback, you grant the firm a limited right to use such content for service improvement or record keeping. Personal information remains confidential as outlined in our privacy policy.
Privacy and Data Use Details
Data use is governed by our privacy policy. We protect client data with industry-standard measures. Queries about data rights, access, or use should be addressed to our Data Protection Officer directly for resolution.
Read Privacy PolicyGeneral Disclaimer Statement
Consultations and content reflect research and professional opinion, not financial product offerings. Information does not replace professional advice relevant to your circumstances.
Important Notice
All insights and recommendations should be reviewed with additional professional input. Past experiences and results do not indicate future outcomes. Results may vary.
Limitation of Liability
No liability for actions taken based on consultation or website content. Client decisions remain their responsibility and must be made with full consideration.
Indemnification
You agree to indemnify melquindaro from claims or losses related to improper use of services or breach of these stated terms.
Dispute Resolution Process
We seek to resolve concerns through direct communication with clients. Where needed, formal procedures are in place for disputes.
Arbitration
Parties in dispute agree to pursue resolution through arbitration as permitted by applicable law.
Arbitration does not limit statutory consumer protections under Australian law.
Online Dispute Resolution Procedures
If disputes arise, clients may use the Online Dispute Resolution (ODR) platform recognised under Australian law for non-court mediated resolution.
See official ODR resourcesSeverability
If any part of these terms is deemed unenforceable, the remainder remains valid and enforceable.
Entire Agreement Statement
These terms, including referenced policies, form the complete agreement between you and the company concerning offered services.
Applicable Law and Jurisdiction
These terms are governed by laws of Australia. Disputes shall be under the exclusive jurisdiction of Australian courts unless otherwise stated.
Termination
We reserve the right to terminate service access or user accounts in instances of misconduct or breach of these terms and conditions.
Changes
Policies and terms may change over time. Continued use after any update means acceptance of all modifications. Please review this page periodically.
Contact for Terms or Concerns
Questions about these terms or your rights should be directed to our support team in writing or by phone.
Contact Email: content@melquindaro.com
Contact Phone: +61753568677
Contact Address: 265 King Street, Newcastle, NSW 2300 Australia
Effective Date of Terms: October 31, 2025
Version: 3.1