Melbourne VIC · Investment holdings & wealth management ceo@phajongholdings.site
Phajong Holdings & Investments

Legal — Terms of Service

Terms of Service

These terms govern your use of phajongholdings.site and the basis on which you may engage Phajong Holdings and Investments Pty Ltd. Please read them carefully.

Last updated 1 July 2025 · ABN 50 704 008 239 · Melbourne VIC, Australia

1. About these terms

These Terms of Service, together with our Privacy Policy, form the agreement between you and Phajong Holdings and Investments Pty Ltd (ABN 50 704 008 239) (“Phajong”, “we”, “us” or “our”). They apply to your access to and use of this website and any content, tools or information made available through it.

Where you engage us to provide investment holdings or wealth management services, the terms of your signed engagement letter or service agreement will apply to that engagement and, to the extent of any inconsistency, will prevail over these terms.

2. Who we are

Phajong Holdings and Investments Pty Ltd is a company registered in Victoria, Australia under the Corporations Act 2001 (Cth). Our Australian Business Number (ABN) is 50 704 008 239, and we are based in Melbourne VIC. We provide investment holdings and wealth management services to individuals, families and businesses.

3. General information only — not financial product advice

All content on this website — including articles, guides, examples and calculators — is provided for general information purposes only. It:

  • does not take your objectives, financial situation or needs into account;
  • is not personal financial product advice, a recommendation, or an offer or solicitation to acquire or dispose of any financial product; and
  • may not be suitable for your circumstances.

Before acting on any information on this website, you should consider its appropriateness having regard to your own objectives, financial situation and needs and, where appropriate, obtain personal advice from a suitably authorised adviser. Where we provide financial services to you personally, we will give you a Financial Services Guide and any other documents required under the Corporations Act 2001 (Cth).

4. Investment risk

All investments carry risk. Returns are not guaranteed, past performance is not a reliable indicator of future performance, and the value of any investment can rise as well as fall. You may lose some or all of your capital. You should consider any relevant product disclosure statement, target market determination or offer document before acquiring a financial product.

5. Using this website

We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use this website for your personal or internal business purposes. In using this website, you must not:

  • breach any applicable law or regulation;
  • scrape, harvest or systematically extract content or data without our prior written consent;
  • interfere with, disrupt or attempt to gain unauthorised access to the website, its underlying systems or other users’ accounts;
  • introduce malware, code or material that may harm the website or its users;
  • misrepresent your identity or affiliation with any person; or
  • use the content of this website for commercial purposes without our prior written consent.

We do not warrant that this website will be uninterrupted, timely or error-free. We may suspend, withdraw or discontinue any part of the website at any time without notice.

6. Engagements, scope and fees

Any engagement to provide services begins only when you and we have signed an engagement letter or service agreement that sets out the scope of work, fees, payment terms and termination rights for that engagement. Fees are charged in accordance with that document. Unless otherwise stated, fees are exclusive of goods and services tax (GST). Overdue amounts may accrue interest and we may suspend services until arrears are paid, in accordance with the engagement terms. Any cooling-off rights that apply by law to your engagement are set out in your engagement documents.

7. Your obligations

You warrant that all information you provide to us is accurate, complete and up to date at the time it is given, and you agree to:

  • notify us promptly of any change to your circumstances, objectives or instructions;
  • provide all documents, authorities and access we reasonably require to act for you;
  • ensure you hold all necessary authorities before giving us any instruction; and
  • comply with all applicable laws in connection with your use of our services.

We may act on instructions we reasonably believe to be given by you or a person authorised to act on your behalf.

8. Intellectual property

All intellectual property rights in this website and its content (including text, graphics, logos, layout and underlying systems) are owned by us or licensed to us. You may view, download and print content for your personal, non-commercial use only. You must not reproduce, adapt, distribute or commercially exploit any part of this website without our prior written consent. “Phajong Holdings and Investments” and our logos are our trade marks (whether registered or unregistered) and must not be used without permission. If you send us feedback or suggestions, you grant us a perpetual, royalty-free licence to use them.

9. Third-party links and platforms

This website may contain links to third-party websites, platforms or resources. These links are provided for convenience only and do not imply endorsement. We are not responsible for the content, accuracy, availability or practices of third-party websites, and your use of them is at your own risk and subject to their terms.

10. Privacy and confidentiality

We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles, as described in our Privacy Policy. We also keep confidential information obtained in the course of an engagement confidential, except where disclosure is required or permitted by law.

11. Australian Consumer Law

Our services come with guarantees that cannot be excluded under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)). Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred by the Australian Consumer Law or any other applicable law that cannot lawfully be excluded, restricted or modified by agreement.

12. Limitation of liability

To the fullest extent permitted by law:

  • we exclude all liability to you for loss or damage (including indirect or consequential loss, lost profits or lost opportunity) arising from your use of, or reliance on, this website or its content;
  • where liability for a breach of a guarantee under the Australian Consumer Law cannot be excluded, our liability is limited, where permitted, to supplying the services again or the cost of having the services supplied again;
  • we are not liable for investment performance, market movements, tax outcomes, or decisions you make based on general information published on this website; and
  • we are not liable for loss caused by events beyond our reasonable control, including natural disasters, market disruption, pandemics, industrial action or failures of third-party systems.

13. Suspension and termination

We may suspend or terminate your access to this website at any time, and may terminate an engagement in accordance with the applicable engagement letter. Clauses that by their nature are intended to survive termination (including intellectual property, limitation of liability, privacy and governing law) survive termination.

14. Changes to these terms

We may amend these terms from time to time. The current version will always be published on this page with an updated “last updated” date. Material changes will be highlighted on this page. Your continued use of this website after changes take effect constitutes acceptance of the amended terms.

15. Dispute resolution

If a dispute arises, you agree to first contact us and attempt to resolve the dispute in good faith, including through discussions between senior representatives for a period of at least 30 days. If the dispute is not resolved, the parties agree to attempt mediation in Melbourne, Victoria, before commencing court proceedings, except where urgent injunctive relief is required.

16. Governing law and jurisdiction

These terms are governed by the laws of Victoria, Australia, and the parties submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth courts sitting in Victoria. Your use of our services may also be governed by the Corporations Act 2001 (Cth) and other applicable Australian legislation.

17. Severability and entire agreement

If any provision of these terms is held to be invalid or unenforceable, that provision will be severed and the remaining provisions will continue in full force. These terms, together with our Privacy Policy and any signed engagement letter, constitute the entire agreement between you and us regarding this website.

18. Questions about these terms

If you have any questions about these Terms of Service, please email ceo@phajongholdings.site. Please do not send sensitive personal or financial information by unsecured email. We aim to respond to enquiries within two business days.

Last updated: 1 July 2025.