Terms of Use

Last Updated: May 11, 2026

1. Acceptance of Terms

By accessing and using the lively-harbor website (lively-harbor.com) and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

lively-harbor provides financial optimization and consulting services designed to help individuals and households identify and eliminate financial inefficiencies. Our services include but are not limited to:

• Financial audits and analysis
• Debt restructuring consultation
• Provider comparison and switching assistance
• Ongoing financial optimization support

3. Professional Disclaimer

The information and services provided by lively-harbor are for educational and optimization purposes. We are not licensed financial advisors, tax professionals, or legal experts. Our recommendations should not be considered as:

• Financial advice as defined by ASIC regulations
• Tax advice (consult a registered tax agent)
• Legal advice (consult a qualified attorney)
• Investment advice (consult a licensed financial planner)

You should always consult with qualified professionals before making significant financial decisions.

4. User Obligations

By using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account credentials
• Not use our services for any unlawful purpose
• Not attempt to interfere with the proper functioning of our website
• Comply with all applicable laws and regulations

5. Service Fees and Payments

Service fees are as stated on our website and in service agreements. By engaging our services, you agree to:

• Pay all fees associated with the selected service
• Provide valid payment information
• Understand that fees are non-refundable except as stated in our refund policy

6. Refund Policy

Our guarantee states: If we do not identify at least 3x your investment in recoverable savings within the first year, we will refund your audit fee in full. This guarantee:

• Applies only to the Financial Audit service fee
• Requires documentation of identified savings opportunities
• Must be claimed within 12 months of service completion
• Does not apply if you fail to provide requested information or documentation

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of lively-harbor and is protected by Australian and international copyright laws. You may not:

• Reproduce or distribute our content without permission
• Use our methodologies or reports for commercial purposes
• Reverse engineer our systems or processes

8. Limitation of Liability

To the maximum extent permitted by Australian law:

• lively-harbor is not liable for any indirect, incidental, or consequential damages
• Our total liability shall not exceed the fees paid for the specific service in question
• We are not responsible for losses resulting from your implementation of our recommendations
• We do not guarantee specific financial outcomes, as results depend on individual circumstances and actions

9. Accuracy of Information

While we strive to provide accurate information:

• Provider rates, fees, and policies may change without notice
• Tax laws and regulations are subject to change
• Individual circumstances may affect the applicability of our recommendations
• You are responsible for verifying information before acting on it

10. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. We are committed to protecting your personal and financial information in accordance with Australian privacy laws.

11. Third-Party Services

We may recommend or facilitate connections with third-party service providers (banks, insurers, etc.). We are not responsible for:

• The quality or accuracy of third-party services
• Disputes between you and third-party providers
• Changes in third-party terms, rates, or policies

12. Termination

We reserve the right to:

• Terminate or suspend access to our services for violation of these terms
• Refuse service to anyone for any reason
• Modify or discontinue services with or without notice

13. Governing Law

These Terms of Use are governed by the laws of Victoria, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Victoria.

14. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Continued use of our services after changes constitutes acceptance of the modified terms.

15. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

16. Contact Information

For questions about these Terms of Use, please contact us at:

Email: [email protected]
Address: Level 12, 485 La Trobe Street, Melbourne VIC 3000, Australia

17. Entire Agreement

These Terms of Use, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and lively-harbor regarding the use of our services.