Terms and Conditions of Use

Please read these terms before using our advisory website. By accessing our services, you accept these conditions set under Australian law.

October 25, 2025

Acceptance of terms

By using our service, you agree to all terms and policies. If you disagree with any part, please do not use the site. Your continued use signals acceptance of all revisions and updates.

Definitions

For clarity, these terms explain how wording applies to your use of our services.

‘Service’ refers to advisory, analytical review, and consultation provided via our website or by our team directly.

‘User’ is any individual accessing the site or communicating with our consultants for guidance or information.

‘Content’ means site materials, texts, images, and information provided for reference or support.

‘Agreement’ means this contract between us and any user of our services, formed upon site use.

Use of service

Use our website and advisory sessions in line with these terms. All guidance is general; you are responsible for decisions based on any information received.

Eligibility

Our consultation is available to users over 18, based in Australia, and acting for their own financial concerns only.

Identification may be required for verification.

User responsibilities

Users agree to use provided content as intended, to participate in good faith, and to maintain accurate information.

Provide truthful details and update us if anything changes that may affect service.
Use consultation outputs responsibly and not as personal, investment or tax advice.
Respect the rights of our advisors and not misuse or replicate our materials.
Report any misuse, error, or issue encountered when using the site or service.

Prohibited uses

Certain activities are strictly forbidden on our site and service.

Using, copying, or sharing confidential materials except as permitted by law or with consent.
Harassing, misrepresenting, or impersonating any individual during your use of the services.
Attempting any unauthorised access to the website or other digital resources.
Uploading viruses, malware, or other harmful technical elements to disrupt site operation.
Using our name to endorse or advertise third-party financial products, without written approval.

Intellectual property rights

All site material, trademarks, and content are the exclusive property of the respective owners. Users are granted limited, revocable rights strictly for personal reference. Redistribution is prohibited.

User submissions

Any material you submit is handled in accordance with our privacy policy. We do not allow unsolicited promotional content.

User submission rights

By submitting feedback or input, you authorise us to use it for service improvement unless stated otherwise.

Privacy and security terms

We uphold strong privacy standards. Personal details entered on our site are managed in accordance with Australian data regulations and our Privacy Policy.

Privacy Policy

Important disclaimers

Consultations and site content are not financial product advice. Always seek specific professional guidance if needed.

Advisory disclaimer

All information is general. Your circumstances may differ and advice should not be relied on as the sole basis for decisions. Results may vary.

Site liability limits

We are not liable for losses, damages, or claims stemming from reliance on general reviews or information on this site.

Indemnity

Users agree to indemnify us against damages or losses resulting from breach of these terms or unauthorised use.

Dispute resolution process

Any dispute will be handled under Australian law before escalation to arbitration if applicable.

Arbitration

Unresolved disputes may be submitted to recognised arbitration authorities in accordance with local regulations.

Mediation may be attempted before formal arbitration.

Online dispute resolution process

We comply with Australian online dispute protocols and may provide information or guidance when appropriate.

Read dispute procedure

Severability

If any part of these terms is found unenforceable, other sections remain fully effective.

Entire agreement scope

These terms, privacy policy, and any documented changes together signal the whole agreement between you and us.

Applicable governing law

These terms are governed by laws of Australia. Any dispute or issue will be resolved under their jurisdiction.

Termination

We may terminate access at our discretion if terms are violated. You will be informed in such cases.

Modifications

We may update our terms at any time. Continued use after changes signals your acceptance of the new version.

Contact information

For questions or support please reach out directly to our advisory team.

Email address: content@merithanov.com

Phone number: +61.8.8436.0871

Office address: Suite 903 / 241 Adelaide Street, Brisbane, QLD 4000 Australia

Effective date: October 25, 2025

Version: 2