Terms of Use

Effective Date: May 11, 2026

Welcome to Fresh Level. These Terms of Use govern your access to and use of our website and services. By accessing or using our website, you agree to be bound by these terms.

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

Services Description

Fresh Level provides retirement planning and pension advisory services to individuals across Australia. Our services include but are not limited to:

• Retirement planning consultations
• Superannuation reviews and advice
• Age pension assessments
• Estate planning assistance
• Self-managed super fund setup and guidance
• Transition to retirement strategies

Professional Advice Disclaimer

The information provided on this website is for general informational purposes only and should not be construed as professional financial advice tailored to your specific circumstances.

While we strive to provide accurate and up-to-date information, retirement planning, superannuation, and pension regulations are complex and subject to change. You should not make financial decisions based solely on the general information provided on this website without first obtaining professional advice specific to your situation.

Formal advisory relationships are established through signed engagement agreements. Until such an agreement is in place, no advisory relationship exists, and we have no obligation to provide advice or recommendations.

Eligibility

Our services are intended for individuals aged 18 years or older. By using this website and our services, you represent that you are at least 18 years of age.

User Obligations

When using our website and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of any login credentials
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not transmit viruses, malware, or other harmful code
• Not collect or harvest information about other users
• Respect intellectual property rights

Intellectual Property

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

You may view, download, and print content from this website for personal, non-commercial use only. You may not modify, reproduce, distribute, or use the content for commercial purposes without our prior written consent.

Service Engagement and Fees

Service fees are outlined on our Services page and are subject to change. Specific fees and payment terms will be confirmed in writing before any engagement begins.

Payment for services is typically required before or upon completion of the service, as specified in the engagement agreement. We reserve the right to suspend services if payment terms are not met.

Confidentiality

We maintain strict confidentiality regarding client information in accordance with our professional obligations and privacy laws. Details are outlined in our Privacy Policy.

You acknowledge that sharing your financial and personal information with us is necessary for us to provide our services effectively.

Limitation of Liability

To the maximum extent permitted by law:

• We do not guarantee specific financial outcomes or results from our services
• We are not liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services
• Our total liability for any claims related to our services is limited to the fees paid for the specific service in question
• We are not responsible for errors or omissions in third-party information or changes in laws and regulations that occur after advice is provided

Nothing in these terms excludes or limits our liability for fraud, gross negligence, or liability that cannot be excluded under Australian law.

Accuracy of Information

We make reasonable efforts to ensure the information on this website is accurate and current. However, we do not warrant that:

• The website will be error-free or uninterrupted
• Defects will be corrected
• The website or its servers are free of viruses or other harmful components
• Information is complete, accurate, or up-to-date

Third-Party Links

Our website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.

Termination

We reserve the right to terminate or suspend your access to our website and services at our discretion, without notice, for conduct that we believe:

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

Governing Law

These Terms of Use are governed by the laws of Queensland, Australia. Any disputes arising from these terms or your use of our website or services will be subject to the exclusive jurisdiction of the courts of Queensland.

Dispute Resolution

If you have a complaint or dispute, we encourage you to contact us first to resolve the matter informally. If the dispute cannot be resolved directly, you may have recourse to external dispute resolution bodies or legal proceedings in accordance with Australian law.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted constitutes your acceptance of the modified terms.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any service engagement agreements, constitute the entire agreement between you and Fresh Level regarding the use of our website and services.

No Waiver

Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of those rights or provisions.

Contact Information

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

Fresh Level
Level 3, 142 Edward Street
Brisbane QLD 4000
Australia
Email: [email protected]

Acknowledgment

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