Terms of Use

1. Acceptance of Terms

By accessing and using slick-surface.com (the "Website"), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our Website or services.

2. Description of Services

slick-surface provides financial education, consultation, and strategy services (the "Services"). Our services include but are not limited to:

• Financial health assessments
• Wealth acceleration strategies
• Investment guidance
• Debt elimination planning
• Tax optimization reviews

3. Important Disclaimers

3.1 Not Financial Advice

The information and services provided on this Website are for educational and informational purposes only. They should not be construed as personalized financial advice unless you have explicitly enrolled in one of our paid programs. We are not licensed financial advisors, and our services do not replace the need for professional financial, legal, or tax advice.

3.2 No Guarantees

While we strive to provide accurate and helpful information, we make no guarantees regarding specific financial outcomes. Past client results do not guarantee future performance. Your individual results will depend on many factors including your personal circumstances, effort, and market conditions.

3.3 Investment Risk

Any discussion of investments on this Website is for educational purposes only. All investments carry risk, including the potential loss of principal. You should conduct your own research and consult with qualified professionals before making any investment decisions.

4. User Responsibilities

When using our Website and services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Use the services only for lawful purposes
• Not attempt to gain unauthorized access to any part of the Website
• Not transmit any malicious code or viruses
• Not engage in any activity that interferes with or disrupts the Website

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of slick-surface or its content suppliers and is protected by Australian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

6. Payment and Refund Policy

6.1 Payment Terms

Payment for services must be made in full prior to the commencement of services unless otherwise agreed in writing. All prices are in Australian Dollars (AUD).

6.2 Refund Policy

We offer a 90-day satisfaction guarantee on our programs. If you do not find at least 3x the program cost in savings, optimizations, or growth opportunities within 90 days of program completion, we will refund you in full plus $200 for your time. Refund requests must be submitted in writing with documentation of your results.

7. Limitation of Liability

To the fullest extent permitted by law, slick-surface and its directors, employees, and agents 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 the Website or services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from the Website
• Any bugs, viruses, or other harmful code that may be transmitted through the Website
• Any errors or omissions in any content
• Financial decisions made based on information from our Website

8. Indemnification

You agree to indemnify and hold harmless slick-surface and its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms of Use or your violation of any law or the rights of a third party.

9. Privacy

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices.

10. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by slick-surface. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

11. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. We will notify users of any material changes by posting the new Terms of Use on this page and updating the "Last Updated" date. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms of Use.

12. Termination

We reserve the right to terminate or suspend your access to the Website and services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Use.

13. Governing Law

These Terms of Use 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 shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

14. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

15. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and slick-surface regarding the use of the Website and services.

16. Contact Information

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

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