Effective Date: 11 September 2025

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Welcome to www.kcay.com.au (“Website”). By accessing or using our Website, you agree to comply with and be bound by these Terms and Conditions. If you do not accept these terms, you must not use our Website or services.

 

1. About Us

This Website is operated by K-Cay Consulting Pty Ltd ("we", "us", "our"). We provide information, research, and professional business advisory services via the Website.

 

2. Use of Website

• All content on this Website is for general information only and does not constitute personal or investment advice.

• Use of Website materials for commercial purposes without our prior written consent is prohibited.

• You agree not to use this Website for any unlawful purpose or in a way that infringes the rights of others.

 

3. Intellectual Property

• All Website content (text, graphics, trademarks, logos, etc.) is our property or that of licensors, protected by law.

• You may access, download or print Website materials for personal, non-commercial use. Other use requires written permission from us.

 

4. Third Party Content and Links

• Our Website may link to or display third-party websites or materials for your convenience. We do not endorse nor accept liability for content on external sites.

• Accessing third-party content is at your own risk, and their own terms and privacy policies will apply.

 

5. Limitation of Liability

• To the maximum extent permitted by law, K-Cay Consulting Pty Ltd excludes all liability for any loss, damage, or expense arising directly or indirectly from use of the Website or reliance on its content, whether in contract, tort, or otherwise.

• We do not warrant that the Website will be error-free, uninterrupted, or free of viruses.

 

6. Professional and Financial Advice Disclaimer

• Information on this Website is of a general nature and not tailored to individual circumstances.

• You should seek independent professional, financial, or legal advice before making decisions based on Website material or engaging our services.

 

7. Privacy

Your use of this Website is subject to our Privacy Policy. By using our Website, you consent to the collection, storage, and use of your information as described in the Privacy Policy.

 

8. Changes to Terms

We may update or change these Terms and Conditions at any time by posting the revised version on this page. Continued use of the Website after such changes constitutes acceptance of the new terms.

 

9. Governing Law

These terms are governed by the laws of New South Wales, Australia. You submit to the exclusive jurisdiction of the courts of New South Wales for any disputes.

 

10. Contact Us

For any questions about these Terms and Conditions, contact:

K-Cay Consulting
Email: info@kcay.com.au
Website: www.kcay.com.au