Terms of Use

1. Acceptance

These Terms of Use, together with our Privacy Policy, constitute a binding agreement between you and PBFS Pty Ltd (ABN 97 699 309 754, ACN 699 309 754), a company registered in Western Australia. By accessing or using the website at pbfspty.site or engaging our services, 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.

2. Services

PBFS Pty Ltd provides business advisory, financial analysis, strategic planning, and operational improvement services to organisations across Western Australia. The specific scope of services will be agreed separately with each client, typically via a written engagement letter or proposal.

Nothing on this website constitutes financial, legal, or tax advice. You should obtain independent professional advice before acting on any information provided.

3. Intellectual property

All content, logos, graphics, and materials on pbfspty.site are the property of PBFS Pty Ltd or its licensors and are protected by Australian and international copyright, trademark, and other intellectual property laws.

You may view and download material from this website for personal, non-commercial use only. Any other use — including reproduction, modification, distribution, transmission, republication, display, or performance — is strictly prohibited without the prior written consent of PBFS Pty Ltd.

4. User conduct

When using our website, you agree not to:

• Use the site for any unlawful or unauthorised purpose;
• Attempt to interfere with or disrupt the website or its security;
• Upload any viruses, malicious code, or harmful material;
• Collect or harvest any information from the site without consent;
• Engage in any conduct that restricts or inhibits other users from using the site.

5. Disclaimer

To the fullest extent permitted by applicable law, this website and all content, services, and materials are provided on an "as is" and "as available" basis. PBFS Pty Ltd makes no warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

While we endeavour to ensure the accuracy of the information on this site, we do not guarantee that it will be complete, accurate, or up-to-date, and we accept no liability for any errors or omissions.

6. Limitation of liability

Subject to the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)), to the fullest extent permitted by law, PBFS Pty Ltd excludes all liability for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to loss of profits, data, business, or goodwill, arising out of or in connection with your use of this website or our services, even if we have been advised of the possibility of such damages.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

7. Australian Consumer Law

Nothing in these Terms is intended to exclude, restrict, or modify any right or remedy, or any obligation that we may have, under the Competition and Consumer Act 2010 (Cth), including the Australian Consumer Law (ACL). If any provisions of these Terms are found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

8. Governing law

These Terms are governed by and construed in accordance with the laws of Western Australia, and the parties submit to the non-exclusive jurisdiction of the courts of Western Australia.

9. Termination

We may, at our sole discretion, suspend or terminate your access to all or any part of this website, or terminate or suspend your engagement of our services, at any time and without liability or notice. We may also remove any content or material from the website at our sole discretion.

Upon termination, your right to use the website will immediately cease. All provisions of these Terms that by their nature should survive termination — including limitation of liability, disclaimer, governing law, and intellectual property — will remain in effect.

10. Changes to these Terms

We may revise these Terms of Use from time to time. When we do, we will post the updated version on this page and update the effective date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms.

11. Contact us

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