Terms of Use

Last Updated: November 3, 2026

These Terms of Use govern your access to and use of the Flux-ocean website and services. By accessing or using this website, you agree to be bound by these terms. If you do not agree with any part of these terms, you must not use our website or services.

Acceptance of Terms

By accessing this website, you confirm that you are at least 18 years of age and have the legal capacity to enter into binding agreements. If you are accessing this website on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

Description of Services

Flux-ocean provides consulting and advisory services focused on reducing cash withdrawal costs and optimizing banking relationships. Our services include:

• Financial analysis of ATM and cash withdrawal fees
• Strategic consultation on banking relationships
• Transaction optimization recommendations
• Ongoing monitoring and advisory services

All services are provided for consultation purposes only and do not constitute financial advice as defined under applicable financial services regulations.

Website Use

Permitted Use

You may use this website for lawful purposes related to:

• Learning about our services
• Submitting inquiries about potential engagements
• Accessing information about cash withdrawal optimization
• Reviewing legal and privacy information

Prohibited Activities

You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the website or related systems
• Interfere with or disrupt the website's functionality or servers
• Transmit viruses, malware, or other malicious code
• Engage in automated data collection without explicit written permission
• Misrepresent your identity or affiliation when using the website
• Use the website to transmit spam or unsolicited communications

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of Flux-ocean or its content suppliers and is protected by Australian and international copyright laws.

You may view and print pages from this website for your personal, non-commercial use, subject to the restrictions set out in these terms. You may not:

• Republish material from this website without attribution
• Sell, rent, or sub-license website content
• Reproduce or duplicate website content for commercial purposes
• Redistribute content from this website except as expressly permitted

Service Engagement Terms

No Guaranteed Outcomes

While we strive to provide high-quality analysis and recommendations, we cannot guarantee specific financial outcomes or cost savings. Results depend on numerous factors including your specific circumstances, banking relationships, and implementation of recommendations.

Not Financial Advice

Our services are consultative in nature and do not constitute financial advice as defined under the Corporations Act 2001 (Cth) or other applicable financial services legislation. You should consider your own circumstances and consult with licensed financial advisors before making significant financial decisions.

Client Responsibilities

Clients engaging our services are responsible for:

• Providing accurate and complete information for analysis
• Evaluating recommendations in light of their complete financial situation
• Making independent decisions about implementation
• Complying with all applicable laws and contractual obligations with banking institutions

Limitation of Liability

To the maximum extent permitted by applicable law:

Flux-ocean shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use the website or services
• Any conduct or content of any third party on the website
• Unauthorized access, use, or alteration of your transmissions or content
• Implementation or non-implementation of our recommendations

Our total liability for any claims arising from or related to our services shall not exceed the amount you paid for those services in the twelve months preceding the claim.

Disclaimers

This website and all services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

We do not warrant that:

• The website will be available continuously or without interruption
• The website will be error-free or that defects will be corrected
• The website or servers are free of viruses or harmful components
• Information on the website is complete, accurate, or current

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Flux-ocean. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Flux-ocean shall not be responsible or liable for any damage or loss caused by or in connection with your use of any third-party content, goods, or services.

Advertising Disclosure

This website contains advertising content. Information presented is promotional in nature and designed to encourage engagement with our services. While we strive for accuracy, promotional content may emphasize positive aspects of our services and should not be viewed as objective information.

Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. Please review our Privacy Policy to understand our practices.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this website with an updated "Last Updated" date.

Your continued use of the website after changes are posted constitutes acceptance of the modified terms. We encourage you to review these terms periodically.

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Victoria, Australia. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

Severability

If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Entire Agreement

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

Contact Information

For questions about these Terms of Use, please contact:

Flux-ocean
Level 14, Collins Tower
483 Collins Street
Melbourne VIC 3000
Australia
Email: [email protected]

Indemnification

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

• Your access to or use of the website or services
• Your violation of these Terms of Use
• Your violation of any third-party right, including any intellectual property or privacy right

Termination

We reserve the right to terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including if you breach these Terms of Use.

Upon termination, your right to use the website will immediately cease. All provisions of these Terms of Use which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.