Last Updated: May 11, 2026
By accessing and using the sparkle-fleck website and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use our website or services.
sparkle-fleck provides financial planning, budgeting guidance, debt management strategies, investment education, and retirement planning services to individuals and families in Australia. Our services are educational and advisory in nature.
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
When you request a service through our website, you agree to:
Cancellations made more than 48 hours before a scheduled consultation will receive a full refund. Cancellations made within 48 hours are subject to a 50% cancellation fee. No-shows are non-refundable.
You may reschedule a consultation up to 24 hours before the scheduled time without penalty. Rescheduling requests within 24 hours are subject to availability.
The information and advice provided by sparkle-fleck are for educational and informational purposes. While we strive to provide accurate and helpful guidance:
All content on this website, including text, graphics, logos, images, and software, is the property of sparkle-fleck and is protected by Australian and international copyright laws. You may not:
If you submit any content to our website (such as testimonials or feedback), you grant us a non-exclusive, royalty-free license to use, reproduce, and display that content in connection with our services.
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.
To the fullest extent permitted by law, sparkle-fleck shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.
You agree to indemnify and hold harmless sparkle-fleck, its officers, employees, and affiliates from any claims, damages, or expenses arising from your use of our services or violation of these Terms.
Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.
These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Victoria.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms of Use, together with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and sparkle-fleck regarding your use of the website and services.
If you have any questions about these Terms of Use, please contact us at:
Email: [email protected]
Address: Level 7, 182 Collins Street, Melbourne VIC 3000, Australia