Terms of Use

Effective Date: January 1, 2026

Last Updated: January 1, 2026

1. Agreement to Terms

By accessing or using the website granite-treasury.com ("Website") and the services provided by granite-treasury ("we," "our," or "us"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not access or use the Website or our services.

2. Description of Services

granite-treasury provides advisory services related to social benefit programs in Australia. Our services include:

• Eligibility assessments for government benefit programs
• Application preparation and submission assistance
• Appeals representation
• Benefit optimization reviews
• Ongoing advisory services
• Crisis intervention support

We are not a government agency and do not guarantee approval of any application or benefit claim.

3. Eligibility to Use Services

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. User Obligations

When using our Website and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the accuracy of your information by promptly updating it
• Maintain the security and confidentiality of any account credentials
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable laws and regulations
• Not use the services for any unlawful or fraudulent purpose
• Not interfere with or disrupt the Website or services
• Not attempt to gain unauthorized access to our systems

5. Service Fees and Payment

Our services are provided for the fees listed on our Website. All fees are in Australian Dollars (AUD) and are subject to change without notice.

Payment terms:

• Fees are due upon service selection and before work commences
• Payment can be made through methods specified during the service request process
• All fees are non-refundable except as required by law or as specifically stated in a service agreement
• We reserve the right to suspend or terminate services for non-payment

6. Service Limitations and Disclaimers

No Guarantee of Results: While we work diligently to prepare accurate and complete applications, we cannot guarantee approval of any benefit application or appeal. Government agencies make final decisions based on their own criteria and processes.

Not Legal Advice: Our services do not constitute legal advice. We are not attorneys and do not provide legal representation. For legal matters, you should consult a licensed attorney.

Advisory Nature: Our services are advisory in nature. Final decisions about applications and appeals remain with you, and you are responsible for reviewing all materials before submission.

7. Intellectual Property Rights

The content, features, and functionality of the Website, including but not limited to text, graphics, logos, images, and software, are owned by granite-treasury and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from the Website without our prior written permission.

8. User-Submitted Information

When you provide information to us through forms, email, or other means, you grant us a non-exclusive, worldwide, royalty-free license to use that information for the purpose of providing our services to you.

You represent and warrant that any information you provide:

• Is accurate and truthful
• Does not violate any third-party rights
• Does not contain malicious code or viruses

9. Limitation of Liability

To the fullest extent permitted by law, granite-treasury shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use our services
• Denial of benefit applications or appeals
• Errors or omissions in our services
• Unauthorized access to or alteration of your data
• Statements or conduct of any third party on the Website

Our total liability for any claims arising from or related to our services shall not exceed the amount you paid for the specific service giving rise to the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless granite-treasury, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in any way connected with:

• Your use of the Website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any information you provide that is inaccurate or fraudulent

11. Termination

We reserve the right to suspend or terminate your access to the Website and services at any time, without notice, for conduct that we believe:

• Violates these Terms
• Is harmful to other users, us, or third parties
• Violates applicable laws or regulations

Upon termination, your right to use the Website and services will immediately cease.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on the Website with a new "Last Updated" date.

Your continued use of the Website and services after changes are posted constitutes your acceptance of the modified Terms.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Victoria, Australia, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms or our services shall be resolved through:

• First, good faith negotiation between the parties
• If negotiation fails, mediation before a mutually agreed mediator
• If mediation fails, binding arbitration or litigation in the courts of Victoria, Australia

14. Severability

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.

15. Entire Agreement

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

16. Contact Information

If you have questions about these Terms, please contact us at:

granite-treasury
Level 14, 367 Collins Street
Melbourne VIC 3000, Australia
Email: [email protected]

17. Acknowledgment

By using our Website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

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