Terms and Conditions of Service
These terms and conditions govern your use of the zelantrivora website and consultation services. By accessing this website or engaging our services, you agree to be bound by these terms. Please read them carefully before proceeding.
These terms were last updated on October 24, 2025
Acceptance of Terms
By accessing or using this website and consultation services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions, along with our Privacy Policy, Cookie Policy, and Disclaimer. If you do not agree with any part of these terms, you must discontinue use of our website and services immediately.
Definitions
For purposes of these terms and conditions, the following definitions apply throughout this document.
We, us, our, and zelantrivora refer to the business entity operating this website and providing financial consultation services to Australian clients regarding zero-based budgeting methodologies.
You, your, and client refer to individuals or entities accessing this website or engaging our consultation services, including prospective clients evaluating our offerings.
Services refer to financial consultation services, information resources, website content, and related offerings we provide regarding zero-based budgeting and values-aligned expense control.
Website refers to zelantrivora.com including all pages, subdomains, and associated online properties we operate.
Service Usage Agreement
Our consultation services provide information, analytical frameworks, and guidance regarding zero-based budgeting methodologies. Services are intended for personal consultation purposes and do not constitute financial advice or create fiduciary relationships. Results may vary based on individual circumstances and commitment. Past performance does not guarantee future results.
Eligibility
Our services are intended for individuals who are at least 18 years of age and possess legal capacity to enter into binding agreements. By using our services, you represent and warrant that you meet these eligibility requirements.
Services target Australian residents and are designed around Australian financial contexts.
User Responsibilities and Obligations
When using our website and services, you agree to fulfill certain responsibilities and comply with acceptable use standards including the following obligations.
Prohibited Uses
You agree not to use our website or services for any prohibited purposes including but not limited to the following.
Intellectual Property Rights
All content on this website including text, graphics, logos, images, software, and materials are owned by zelantrivora or licensed to us and are protected by Australian and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without explicit written permission.
User-Generated Content Submission
When you submit content including testimonials, feedback, questions, or other materials, you grant us non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content for business purposes including marketing and service improvement.
User Content Representations
You represent and warrant that you own or have necessary rights to any content you submit, that content does not violate third-party rights or laws, and that we may use content as specified without obligations to you beyond those stated in these terms.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to data practices described in our Privacy Policy and acknowledge our handling of information according to Australian Privacy Principles.
Privacy PolicyService Disclaimers and Limitations
Our consultation services are provided with important disclaimers and limitations you must understand before engaging our services.
Not Financial Advice
Our consultation services provide information, analytical frameworks, and general guidance regarding zero-based budgeting methodologies. Services do not constitute financial advice, investment recommendations, or professional services. We are not licensed financial advisors, and nothing in our services should be interpreted as personalized financial advice.
Limitation of Liability
To the maximum extent permitted by Australian law, zelantrivora and its directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from use of our website or services, including lost profits, data loss, or business interruption, even if advised of such possibility.
Indemnification
You agree to indemnify, defend, and hold harmless zelantrivora, its affiliates, and personnel from any claims, damages, losses, liabilities, and expenses including legal fees arising from your use of services, violation of these terms, or infringement of third-party rights.
Dispute Resolution Procedures
In the event of disputes arising from these terms or our services, the following resolution procedures apply under Australian law.
Arbitration
Any disputes not resolved through informal negotiation shall be resolved through binding arbitration conducted in accordance with Australian dispute resolution procedures. You agree to waive rights to court proceedings and jury trials except where prohibited by law.
This arbitration clause does not prevent seeking relief in small claims court for disputes within its jurisdiction.
Online Dispute Resolution
For consultation disputes, you may also access online dispute resolution platforms provided by relevant Australian consumer protection authorities. These platforms offer alternative resolution methods that may prove more efficient than formal proceedings.
Australian Consumer LawSeverability
If any provision of these terms is found invalid, illegal, or unenforceable by a court of competent jurisdiction, remaining provisions shall continue in full force and effect. Invalid provisions shall be replaced with valid provisions that most closely match intent.
Entire Agreement
These terms and conditions, together with our Privacy Policy, Cookie Policy, and Disclaimer, constitute the entire agreement between you and zelantrivora regarding use of our website and services, superseding any prior agreements or understandings.
Governing Law and Jurisdiction
These terms and conditions are governed by and construed in accordance with laws of Australia. Any legal proceedings arising from these terms or our services shall be subject to exclusive jurisdiction of Australian courts.
Termination
We reserve the right to suspend or terminate your access to services at our discretion if you violate these terms, engage in prohibited conduct, or for any reason we deem necessary to protect our interests or other users. Upon termination, your right to use services ceases immediately.
Modifications
We reserve the right to modify these terms and conditions at any time. Changes become effective when posted to this website with updated date. Continued use of services after modifications indicates acceptance of revised terms. Material changes will be communicated through prominent notice.
Contact Information
For questions, concerns, or notices regarding these terms and conditions, please contact us using the information provided below.
Email Address: content@zelantrivora.com
Phone Number: +61781972374
Mailing Address: 365 Little Collins St, Melbourne, VIC 3000 Australia
Effective Date: These terms became effective on October 24, 2025
Version: Version 2.1