Last updated: September 2, 2026
By accessing this website or engaging our services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should discontinue use of our website and services immediately.
sapphire-thicket provides educational and advisory services related to banking fee analysis and optimization. Our services are informational and consultative in nature. We do not provide licensed financial planning advice, tax advice, or legal counsel.
Our recommendations are based on analysis of publicly available banking fee schedules and your self-reported banking patterns. We cannot guarantee specific savings amounts or outcomes, as actual results depend on your implementation of recommendations and banking institution policies.
When you purchase a service, you agree to provide accurate information about your banking situation. Withholding relevant information or providing false data may compromise the quality and applicability of our recommendations.
Services are delivered within the timeframes outlined in your service description. Delays caused by incomplete information submission or client unavailability may extend delivery timelines.
All prices are listed in Australian Dollars (AUD) and include applicable taxes. Payment is required before service delivery begins unless alternative arrangements have been explicitly confirmed in writing.
Prices are subject to change without notice. The price applicable to your service is the price displayed at the time of your purchase or as confirmed in written correspondence.
Given the personalized nature of our services, refunds are evaluated on a case-by-case basis. Requests for refunds must be submitted within 14 days of service delivery. We will consider refunds in cases where the delivered service materially differs from what was described or where technical failures prevented service delivery.
Dissatisfaction with recommendations or disagreement with our analysis does not automatically qualify for a refund, as our services involve professional judgment and analysis rather than guaranteed outcomes.
All content on this website, including text, graphics, logos, and design elements, is the property of sapphire-thicket or used with permission. You may not reproduce, distribute, or create derivative works from our content without explicit written permission.
Analysis reports and recommendations provided as part of our services are for your personal use. You may not resell, redistribute, or publicly share these materials without permission.
Our services are provided on an "as is" basis. We make reasonable efforts to ensure accuracy but do not guarantee that our recommendations will result in specific savings or that banking institutions will not change their policies after our analysis.
To the fullest extent permitted by law, sapphire-thicket shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. Our total liability for any claim related to our services shall not exceed the amount you paid for the specific service in question.
Our services do not constitute professional financial advice as defined by Australian financial services regulations. We recommend consulting with licensed financial advisors, accountants, or legal professionals before making significant financial decisions based on our recommendations.
We are not responsible for outcomes resulting from your independent financial decisions, even if those decisions were informed by our analysis.
Our website may contain links to third-party websites or reference third-party services. These links are provided for convenience only. We do not endorse or assume responsibility for the content, policies, or practices of external sites.
We treat client information confidentially as outlined in our Privacy Policy. However, you acknowledge that electronic transmission of sensitive information carries inherent risks. We recommend using secure methods when sharing banking documents or financial information.
We reserve the right to refuse service or terminate our relationship with any client who violates these terms, provides false information, or engages in abusive or threatening behavior toward our team members.
These Terms of Use are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of New South Wales.
We may modify these Terms of Use at any time. Changes will be posted on this page with an updated "last updated" date. Continued use of our services after changes are posted constitutes acceptance of the modified terms.
For significant changes affecting active service engagements, we will make reasonable efforts to notify affected clients via email.
If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
Questions regarding these Terms of Use should be directed to [email protected] with the subject line "Terms of Use Inquiry".