Last Updated: May 10, 2026
By accessing and using the calm-tangent website (calm-tangent.com) and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.
You may use our website for lawful purposes only. You agree not to use the website:
If you create an account or engage our services, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
All content on this website, including text, graphics, logos, images, and software, is the property of calm-tangent or its content suppliers and is protected by Australian and international copyright laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.
calm-tangent provides retirement planning and financial advisory services. All advice is provided based on the information you provide and is general in nature until a formal engagement is established.
While we strive to provide accurate and helpful advice, we cannot guarantee specific financial outcomes. Investment returns, retirement income, and pension eligibility depend on numerous factors beyond our control.
Our formal advisory relationship begins only when you engage our services and sign a service agreement. Information provided on this website or through informal communications does not constitute formal financial advice.
To the fullest extent permitted by law, calm-tangent shall not be liable for:
Our website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content or practices of these external sites.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:
You agree to indemnify and hold harmless calm-tangent, its directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:
Your use of our website is also governed by our Privacy Policy. Please review this policy to understand our data collection and use practices.
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.
We may terminate or suspend your access to our website at any time, without prior notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties.
These Terms of Use are governed by and construed in accordance with the laws of Queensland, Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Queensland.
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms of Use, together with our Privacy Policy and any service agreements you enter into with us, constitute the entire agreement between you and calm-tangent regarding use of our website and services.
If you have questions about these Terms of Use, please contact us at:
Email: [email protected]
Address: Level 12, 145 Eagle Street, Brisbane QLD 4000, Australia
calm-tangent operates in compliance with Australian financial services regulations. Our advice and services are subject to regulatory oversight and professional standards.