Terms of Service
Last updated: 1 July 2025. These Terms of Service (“Terms”) govern your access to and use of the website at https://fiowealth.online and any business or consulting services supplied by Fio Wealth Pty Ltd (ABN 74 703 374 565) (“we”, “us”, “our”). By using this website or engaging our services, you agree to be bound by these Terms. If you do not agree, please do not use the website or our services.
1. About us
Fio Wealth Pty Ltd (ABN 74 703 374 565) is an Australian company based in Melbourne VIC that provides professional business and consulting services. References to “the website” include all pages, content and functionality made available at fiowealth.online.
2. Website content is general information only
Content published on this website is provided for general information purposes only. It does not take into account your particular objectives, situation or needs, and it does not constitute professional, financial, legal or taxation advice for your circumstances. You should obtain advice tailored to your situation before acting on any information on this website. We recommend you contact us to discuss your requirements before making decisions.
3. Engaging our services
Our services are supplied under a written engagement agreed between you and us. You may request an indicative quotation through our quote page. Any quotation provided through the website or by email is an estimate only and is not binding unless and until confirmed in a written engagement. Each engagement will set out the scope of work, deliverables, timelines, fees and any specific terms that apply.
4. Your obligations
When engaging our services, you agree to:
- provide accurate, complete and current information relevant to the engagement;
- provide timely access to documents, systems and personnel reasonably required for us to perform the services;
- use our services and any deliverables only for lawful purposes; and
- comply with all applicable Australian laws in connection with your use of the website and our services.
5. Fees, invoicing and payment
All fees are quoted in Australian dollars (AUD) and, unless expressly stated otherwise, are exclusive of GST, which will be added where applicable. Invoices are payable by the date stated on the invoice. If you dispute an invoice, please notify us promptly by email at ceo@fiowealth.online so we can work with you to resolve the matter. Overdue amounts may, to the extent permitted by law, attract interest or recovery costs, and we may suspend work until outstanding amounts are paid.
6. Australian Consumer Law
Our services come with guarantees that cannot be excluded under the Australian Consumer Law (being Schedule 2 of the Competition and Consumer Act 2010 (Cth)). Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred by the Australian Consumer Law or any other applicable law that cannot be excluded, restricted or modified by agreement.
7. Limitation of liability
To the fullest extent permitted by law, and subject always to clause 6:
- we exclude all implied conditions, warranties and representations, except those that cannot be excluded by law;
- where the Australian Consumer Law applies and permits limitation, our liability for a failure to comply with a consumer guarantee is limited, at our option, to re-supplying the relevant services or paying the cost of having the services re-supplied; and
- we are not liable to you for indirect or consequential loss, loss of profit, loss of revenue or loss of data arising from your use of the website or our services.
Nothing in these Terms limits or excludes our liability for death, personal injury, fraudulent misrepresentation or any other liability that cannot be excluded or limited by law.
8. Intellectual property
All content on this website, including text, graphics, logos and page layout, is owned by or licensed to Fio Wealth Pty Ltd and is protected by Australian and international copyright law. You may view, download and print pages for your own personal or internal business use. You must not reproduce, republish or commercially exploit any content from this website without our prior written consent. Unless otherwise agreed in writing, ownership of deliverables produced under an engagement transfers to you on payment in full, and we retain ownership of our pre-existing methodologies, tools and know-how.
9. Confidentiality
We treat information you provide to us as confidential and will not disclose it except as required to perform the services, with your consent, or as required by law. Further detail about how we handle personal information is set out in our Privacy Policy.
10. Third-party links
This website may contain links to third-party websites. Those links are provided for convenience only and do not signify our endorsement of the linked websites. We are not responsible for the content, accuracy or practices of any third-party website.
11. Availability of the website
We aim to keep the website available and up to date, but we do not guarantee that the website will be uninterrupted, error-free or free of harmful code, and we may suspend, withdraw or discontinue any part of the website at any time without notice.
12. Suspension and termination
Either party may terminate an engagement in accordance with its written terms. We may suspend or terminate your access to the website immediately if you breach these Terms or use the website in a way that is unlawful or that could damage our reputation or systems. On termination of an engagement, you remain liable for fees for work performed up to the date of termination.
13. Changes to these Terms
We may update these Terms from time to time. The current version will always be published on this page with the “Last updated” date shown above. Continued use of the website after changes are published constitutes acceptance of the updated Terms.
14. Governing law
These Terms are governed by the laws of the State of Victoria, Australia, and the parties submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth of Australia.
15. Contact us
If you have any questions about these Terms, or wish to make a complaint or request a copy of these Terms in another format, please contact us:
- Email: ceo@fiowealth.online
- Post: Fio Wealth Pty Ltd, Melbourne VIC, Australia
- Online: Contact page
We acknowledge complaints promptly and aim to resolve them fairly and within a reasonable time. You may also be entitled to pursue external dispute resolution avenues available under Australian law.