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    Terms of Use

    Welcome to the Umlaut Wealth Solutions website ("Site"). By accessing or using this Site, you agree to these Terms of Use. If you do not agree, please do not use this Site.

    1. About Us

    This Site is operated by Umlaut Wealth Solutions, providing Xplan, Wealth Services, and technology integrations for Australia, New Zealand, and the United Kingdom.

    2. Use of the Site

    You agree to:

    • Use this Site only for lawful purposes
    • Not attempt to interfere with the operation of the Site or security of its systems
    • Not copy, distribute, or misuse Site materials without permission

    3. Intellectual Property

    All content, trademarks, logos, and materials on this Site are the property of Umlaut Wealth Solutions or our licensors. You may not reproduce or adapt any material without prior written consent.

    4. General Information Only

    The content on this Site is for general information purposes only. It does not constitute financial advice. You should obtain professional financial advice before making decisions.

    5. Third-Party Links

    This Site may contain links to external websites. We are not responsible for the content, reliability, or privacy practices of third-party sites.

    6. Limitation of Liability

    To the maximum extent permitted by law, Umlaut Wealth Solutions is not liable for any direct, indirect, or consequential loss arising from the use or reliance on Site content, service interruptions, or third-party links.

    7. Governing Law

    These Terms are governed by:

    • For Australian users: the laws of Australia
    • For New Zealand users: the laws of New Zealand
    • For UK users: the laws of England and Wales

    8. Changes

    We may update these Terms from time to time. Continued use of the Site means you accept the updated Terms.

    9. Contact

    For questions regarding these Terms, please contact:

    Email: contact@umlautsolutions.com

    Phone: 1300 664 665