Last updated: May 11, 2026
By accessing and using the bright-fabric website 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.
bright-fabric provides retirement planning and financial advisory services to Australian residents. We hold an Australian Financial Services Licence (AFSL) and operate in accordance with Australian financial services regulations.
The information on this website is general in nature and does not constitute personal financial advice. Any financial strategies or products discussed may not be suitable for your individual circumstances. You should consider seeking independent advice before making any financial decisions.
You may use this website for lawful purposes only. You agree not to:
If you create an account or submit forms on our website, you are responsible for maintaining the confidentiality of any information you provide 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 bright-fabric or its content suppliers and is protected by Australian and international copyright laws.
You may not:
When you engage our services, a separate service agreement will be provided that outlines the specific terms, scope, fees, and obligations for the services rendered. That agreement will govern the provision of services and takes precedence over these general Terms of Use.
Service fees are as stated on our website or in your service agreement. Fees are payable in Australian dollars. We reserve the right to change our fees at any time, but changes will not affect services already contracted.
Cancellation terms and refund policies will be outlined in your specific service agreement. Generally, services already commenced are non-refundable.
Your use of this website is also governed by our Privacy Policy. We collect, use, and protect your personal information in accordance with Australian privacy laws.
This website and its content are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding:
To the maximum extent permitted by law, bright-fabric shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the website or services.
Information on this website does not constitute professional financial advice. We recommend consulting with a qualified financial advisor before making any financial decisions. When you engage our services, specific advice will be provided based on your individual circumstances.
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Use of third-party websites is at your own risk.
bright-fabric operates under the following regulatory framework:
If you have a complaint about our services, please contact us at [email protected]. We will acknowledge your complaint within 24 hours and provide a response within 30 days.
If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme.
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.
These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from these terms or your use of the website will be subject to the exclusive jurisdiction of the courts of Victoria.
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
These Terms of Use, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and bright-fabric regarding your use of the website and services.
For questions about these Terms of Use, please contact us:
Email: [email protected]
Address: Level 12, 180 Lonsdale Street, Melbourne VIC 3000, Australia
bright-fabric maintains professional indemnity insurance as required by law. This insurance covers claims made against us for professional services rendered, even after we cease to provide those services.
By using this website and our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.