Effective Date: 06/10/24

1.1 Acceptance of Terms
By accessing or using our website and services, you agree to comply with and be bound by these Terms and Conditions, as well as our Privacy Policy, which outlines how we collect, store, and use your personal information. If you do not agree to these terms or our Privacy Policy, you must not use our services.

1.2 Services Provided
MillarX provides financial brokering services and salary packaging in Australia. All services are subject to availability and may be modified at our discretion. By using our services, you consent to the collection and use of your information in accordance with our Privacy Policy.

1.3 Limitation of Liability
To the maximum extent permitted by law, MillarX is not liable for any indirect, incidental, special, or consequential damages arising out of your use of our services. While we are committed to safeguarding your personal data, you acknowledge that no system is completely secure, and you agree to assume all risks related to data transmission.

1.4 Governing Law
These terms are governed by the laws of Australia. Any disputes will be resolved in accordance with Australian law.

1.5 Changes to Terms
We reserve the right to modify these Terms and Conditions, as well as our Privacy Policy, at any time. Changes will be effective upon posting on our website. Continued use of the website or services after changes constitutes acceptance of the new terms.

2. Cookie Policy
Effective Date: 06/10/24

2.1 Types of Cookies Used
- Essential Cookies: Necessary for website functionality.
- Performance Cookies: Help us analyse website usage to improve our services.
- Functionality Cookies: Remember your preferences and enhance user experience.

2.2 Managing Cookies
You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect your experience on our website.

3. Refund and Cancellation Policy
Effective Date: 06/10/24

3.1 Refunds
Refunds for our services are at our discretion. Requests must be made within 5 days of the transaction, and all refund requests will be evaluated based on the circumstances.

3.2 Cancellations
You may cancel our services within 5 days of your agreement. Cancellations must be submitted in writing, and any fees incurred prior to cancellation may be non-refundable.

4. Disclaimer
Effective Date: 06/10/24

4.1 Financial Advice
Our services are not a substitute for professional financial advice. We recommend consulting with a qualified financial advisor before making financial decisions.

5. Accessibility Statement
Effective Date: 06/10/24

5.1 Feedback
If you encounter any accessibility issues, please contact us at [Insert Contact Information]. We will take your feedback into consideration and work to improve our accessibility.

6. Customer Complaints Policy
Effective Date: 06/10/24

6.1 Complaints Handling
At MillarX, we value customer feedback. If you have a complaint regarding our services, please contact us via email at: info@millarx.com.au.

6.2 Response Time
We aim to acknowledge your complaint within 5 business days and will investigate your concerns thoroughly. If the issue is not resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.

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Website: www.afca.org.au
Telephone: 1800 931 678 (free call)
Email: info@afca.org.au

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

As a proud member of the Finance Brokers Association of Australia (FBAA), we uphold the highest standards of professionalism in our services.

7. Data Breach Response Plan
Effective Date: 06/10/24

7.1 Notification
We will notify affected individuals as soon as practicable and comply with any legal obligations regarding data breach notifications.

7.2 Prevention Measures
We regularly review our security measures to mitigate the risk of future breaches and implement necessary consents to collect and use personal information as part of our service provision.

8. Social Media Policy
Effective Date: 06/10/24

8.1 Engagement
MillarX encourages engagement on our social media platforms. We reserve the right to moderate comments and remove inappropriate content.

8.2 Privacy
Please do not share personal information publicly on our social media channels. Your privacy is important to us, and any personal data shared on these platforms is subject to our Privacy Policy.