Last updated: January 2024
These Terms of Use govern your access to and use of the Sepia-willow website and services. By accessing or using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, you may not access the website or use our services.
Sepia-willow provides fee analysis and consulting services related to banking and cash withdrawal costs. Our services include reviewing banking statements, identifying fees, and providing recommendations for reducing transaction costs. We do not provide financial advice, investment advice, or banking services.
To use our services, you must be at least 18 years of age and have the legal capacity to enter into binding contracts. By using our website, you represent that you meet these requirements.
When using our website and services, you agree to:
All content on this website, including text, graphics, logos, images, and software, is the property of Sepia-willow or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.
While we strive to provide accurate information on our website, we do not warrant that all information is complete, accurate, or current. The content is provided for general informational purposes only and should not be relied upon as the sole basis for making decisions. Fee structures and banking policies change frequently, and specific recommendations may become outdated.
To the fullest extent permitted by law, Sepia-willow and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or services, including but not limited to:
Our total liability for any claims arising from your use of the website or services shall not exceed the amount you paid for the specific service giving rise to the claim.
The website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
The information and recommendations provided through our services are not financial advice. Our fee analysis and suggestions are based on the information you provide and publicly available data about banking products. We recommend consulting with a qualified financial adviser before making significant changes to your banking arrangements. Individual circumstances vary, and what works for one client may not be appropriate for another.
Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content of these sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
You agree to indemnify and hold harmless Sepia-willow and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from your use of the website, your violation of these terms, or your violation of any rights of a third party.
We reserve the right to terminate or suspend your access to the website at any time, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.
These terms 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 under these terms shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.
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 so that these terms shall otherwise remain in full force and effect.
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website following any changes constitutes your acceptance of the revised terms.
For questions about these Terms of Use, please contact us at:
Sepia-willow
Level 8, 123 Collins Street
Melbourne VIC 3000
Australia
Email: [email protected]