Terms of Service

Last updated: June 24, 2025

1. Acceptance of Terms

Welcome to Study Tipwizard. These Terms of Service ("Terms") govern your use of our website located at study-tipwizard.com and our automotive consulting services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our website or services.

2. Description of Services

Study Tipwizard provides automotive consulting services, including:

• Vehicle comparison and analysis (SUVs vs Sports Cars)
• Lifestyle matching consultations
• Performance analysis and recommendations
• Educational content and resources
• Expert advice on automotive purchasing decisions

Our services are intended for informational and consulting purposes only. We do not sell vehicles or act as a vehicle dealer.

3. Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into these Terms
• You will provide accurate and complete information
• You will comply with all applicable laws and regulations

4. User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account information
• Use our services only for lawful purposes
• Respect the intellectual property rights of others
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt our services

5. Prohibited Uses

You may not use our services to:

• Violate any applicable laws or regulations
• Transmit harmful, threatening, or harassing content
• Impersonate any person or entity
• Collect or harvest personal information from other users
• Attempt to reverse engineer our website or services
• Use automated systems to access our services without permission
• Distribute spam, malware, or other malicious content

6. Consulting Services and Disclaimers

Our automotive consulting services are provided for informational purposes only. Please note:

6.1 No Guarantees

We do not guarantee that our recommendations will meet your specific needs or that any particular outcome will result from following our advice.

6.2 Independent Research

Our recommendations should be considered alongside your own research and professional advice from qualified automotive professionals, financial advisors, and insurance providers.

6.3 No Financial Advice

We do not provide financial advice. All financial decisions related to vehicle purchases should be made in consultation with qualified financial professionals.

6.4 Market Conditions

Vehicle prices, availability, and market conditions change frequently. Our information may not reflect current market conditions at the time of your decision.

7. Intellectual Property Rights

The content on our website, including text, graphics, logos, images, and software, is owned by Study Tipwizard and is protected by Australian and international copyright and trademark laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or service marks without authorization
• Create derivative works based on our content
• Remove or alter copyright or trademark notices

8. User-Generated Content

If you submit content to our website (such as comments, reviews, or testimonials), you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and display that content.

You represent that any content you submit:

• Is accurate and not misleading
• Does not violate any third-party rights
• Does not contain offensive or inappropriate material
• Complies with applicable laws

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

10. Payment and Fees

Some of our services may require payment of fees. If applicable:

• All fees are quoted in Australian Dollars (AUD)
• Payment is due as specified in our service agreements
• We reserve the right to change our fees with reasonable notice
• Refunds are subject to our refund policy

11. Limitation of Liability

To the maximum extent permitted by law, Study Tipwizard shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Personal injury or property damage
• Cost of substitute services

Our total liability for any claim arising out of or relating to these Terms or our services shall not exceed the amount paid by you for our services in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Study Tipwizard, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or relating to:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to our website

13. Termination

We may terminate or suspend your access to our services at any time, with or without notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Long periods of inactivity

Upon termination, your right to use our services will cease immediately.

14. Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the accuracy or completeness of information
• Warranties that our services will meet your requirements

15. Force Majeure

We shall not be liable for any failure or delay in performance of our services due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or government actions.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of Victoria, Australia, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

18. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Study Tipwizard regarding your use of our services and supersede all prior agreements and understandings.

19. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Updating the "Last updated" date
• Sending email notifications (where appropriate)

Your continued use of our services after changes to these Terms constitutes acceptance of the modified Terms.

20. Contact Information

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