Terms of service

Terms and Conditions of Use

JR Advisory

Last updated: 30 March 2026

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.

Welcome to jradvisory.co, operated by JR Advisory, a trading brand of Jehovah-Raah Pty Ltd (ABN 70 658 254 329). By continuing to browse and use this website you are agreeing to comply with and be bound by these terms and conditions, which together with our Privacy Policy and Website Disclaimer govern your use of this website.

For the purposes of these terms, "JR Advisory" refers to the trading brand under which this website is operated. "JR Advisory" is a trading brand of Jehovah-Raah Pty Ltd (ABN 70 658 254 329), the legal entity that owns and operates this trading brand. "Us", "Our", and "We" refers to JR Advisory as the trading brand, and not to Jehovah-Raah Pty Ltd or any other trading brand operated by Jehovah-Raah Pty Ltd. "You" and "Your" refers to you, the visitor, user, or customer using this website.

 

Amendment of terms
We reserve the right to change, modify, add, or remove portions of these terms at any time. For changes that materially affect your rights or obligations, we will endeavour to provide reasonable advance notice, which may be given by publication on this website, by email to your registered address, or by notice at the point of next purchase or login. For minor or operational changes, the updated terms will be published on this website with a revised 'last updated' date, and your continued use of this website following any such change constitutes your acceptance of the updated terms. Where a material change would adversely affect an existing transaction already in progress, that change will not apply to that transaction.

Electronic acceptance
By completing a purchase, entering into an engagement, or signing up for any product or service through this website, you confirm that you have read, understood, and agree to these terms and conditions, our Privacy Policy, and our Website Disclaimer. Electronic acceptance in this manner constitutes a legally binding agreement. Browsing this website also constitutes your acceptance of these terms.

Limitation of liability
It is an essential precondition to your use of this website that you agree and accept that JR Advisory is not legally responsible for any loss or damage you might suffer related to your use of the website (jradvisory.co), whether from errors or omissions in our documents or information, any goods or services we may offer, or from any other use of the website. This includes your use or reliance on any third-party content, links, comments, or advertisements. Your use of or reliance on any information or materials on this website is entirely at your own risk.

It shall be your own responsibility to ensure that any products, services, or information available through this website meet your specific requirements. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

To the maximum extent permitted by applicable law, JR Advisory's total aggregate liability to you for any claim arising out of or in connection with an advisory engagement, digital product purchase, or use of this website is limited to the fees paid by you to JR Advisory under the specific engagement or transaction giving rise to the claim. JR Advisory is not liable for any indirect, incidental, special, consequential, economic, or financial loss arising from your reliance on any report, recommendation, framework, advisory output, or digital product, including any business decision made based on that output. Nothing in this clause limits liability that cannot be excluded under the Australian Consumer Law or other applicable mandatory law.

To the maximum extent permitted by applicable law, the total aggregate liability of Jehovah-Raah Pty Ltd across all of its trading brands arising out of or in connection with your use of any of its websites or services shall not exceed the amount you paid to JR Advisory in connection with the specific transaction or engagement giving rise to the claim.

 

Australian Consumer Law
Our goods and services come with guarantees that cannot be excluded, modified, or restricted under the Australian Consumer Law and are in addition to any other warranty. For the purposes of the Australian Consumer Law, in particular Sections 51 to 53, 64 and 64A of Part 3-2, Division 1, Subdivision A of the Competition and Consumer Act 2010 (Cth), our liability for any breach of a term of this agreement is limited to: the supplying of the goods or services to you again; the replacement of the goods; or the payment of the cost of having the goods or services supplied to you again.

You must be over 18 years of age to use this website and to purchase any goods or services.

 

Force majeure
We will not be liable for any failure or delay in performing our obligations under these terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, government action, power failure, internet or telecommunications outage, failure of third-party platforms or services, or any other event outside our reasonable control. We will endeavour to notify you of any such circumstance and to resume performance as soon as reasonably practicable.

Third-party service providers
We use third-party service providers to support the operation of this website and to deliver our products and services. These may include providers for website hosting and storefront infrastructure, payment processing, digital product delivery, scheduling and booking, email marketing and communications, fulfilment and logistics, and advertising and analytics. Each provider operates independently under its own terms and privacy policy. A current list of our material third-party providers is available in our Privacy Policy. We are not responsible for the independent acts or omissions of third-party service providers, except where required by applicable law.

Digital products and delivery
JR Advisory offers digital products including decision tools, frameworks, and advisory resources available for purchase and immediate digital delivery. Digital goods are delivered promptly upon receipt of confirmed payment via our digital delivery platform. Please be aware there are inherent risks associated with downloading digital goods. Should you have any technical problems accessing or downloading your purchase, please contact us so we may assist you. JR Advisory does not provide physical goods or physical shipping.

Digital product license
Unless expressly stated otherwise in the applicable product description or in a separately signed written agreement, purchase of any digital product from jradvisory.co grants a limited, non-exclusive, non-transferable, revocable licence to a single named organisation or trading entity only. The licence permits use of the product within that organisation for its own internal purposes and does not extend to any related entity, subsidiary, holding company, affiliated entity, joint venture partner, or other organisation, regardless of how closely related those entities may be. Each distinct organisation that wishes to use a JR Advisory digital product must hold its own separately purchased licence.

Unless expressly stated otherwise on the applicable product page or in a separately signed written agreement, the licence granted upon purchase of a JR Advisory digital product is perpetual for the purchaser organisation's own internal use, subject to full payment having been received and no breach of these terms having occurred. JR Advisory reserves the right to revoke the licence where terms are breached. The licence does not renew or require renewal. It is a one-time purchase for ongoing internal use within the purchasing organisation. All licences granted under these terms are commercial licences only.

Returns and refunds
Digital products are non-refundable once downloaded or accessed. For advisory services, refund requests must be received in writing within 7 days of the commencement date and prior to delivery of any work product. No refunds are available once work has commenced or any deliverable has been provided. These terms do not exclude any rights you may have under the Australian Consumer Law. Where a product or service is defective or does not match its description, your statutory rights apply.

Advisory services
By engaging our advisory services, you agree that JR Advisory relies on information supplied by you in order to provide the services and cannot be held responsible for any results of services provided based on inaccurate or incomplete client information. You are responsible for any decisions you make based on our services or recommendations and any consequences which may result.

JR Advisory provides independent, judgment-led advisory services. Nothing on this website constitutes professional, legal, financial, or technical advice unless expressly provided under a formal written engagement. No advisory or consulting relationship is created by the use of this website or by reading any content published on it.

All content on this website is for general information and educational purposes only. It is not to be construed as business advice and should not substitute independent professional advice based on your own circumstances.

Confidentiality
You agree to keep confidential the existence, nature, scope, and terms of any engagement with JR Advisory, including any reports, recommendations, frameworks, or materials delivered, unless disclosure is required by law or you have obtained our prior written consent. This obligation survives termination of these terms. JR Advisory will similarly treat information you share in connection with any engagement or pre-engagement discussion as confidential from the point of first contact.

Copyright and intellectual property
This website and its contents are the copyright of JR Advisory and Jehovah-Raah Pty Ltd — © 2026. All rights reserved.

All content on this website, including all frameworks, methodologies, articles, tools, templates, and other published materials, is the copyright of JR Advisory and Jehovah-Raah Pty Ltd. All rights are reserved. No content from this website may be reproduced, copied, distributed, stored, transmitted, or used in any form or by any means without the prior written consent of JR Advisory, except as strictly required for the purposes of engaging with the website in the ordinary course. No personal use, non-commercial use, or personal extract right is granted by these terms. All licences granted under these terms, including digital product licences, are commercial licences only and are subject to the terms stated in the applicable product description or engagement agreement.

If you believe any content on this website infringes your intellectual property rights, please contact us in writing at hello@jradvisory.co with full details of your claim, including the nature of the right you claim is infringed and the specific content at issue. We will acknowledge your notice within a reasonable time and investigate the claim promptly. The time required to investigate will depend on the complexity of the claim and the nature of the alleged infringement. We reserve the right to remove or restrict access to content pending investigation without admitting liability.

Digital product integrity
Downloaded, delivered, or accessed digital products must not be reproduced, screenshotted, shared, uploaded to shared repositories, distributed via email or messaging platforms, or used for training artificial intelligence models, in whole or in part, without our prior written consent. JR Advisory reserves the right to seek injunctive relief and damages for any breach of this clause without requiring proof of actual loss.

Reviews and public commentary
Where you choose to publish any review, testimonial, or public commentary about your engagement with JR Advisory, you agree that such commentary will be accurate and not misleading, and will not disclose any confidential information about your engagement. We do not restrict legitimate feedback. We reserve the right to respond publicly to any commentary that is materially inaccurate or that discloses confidential engagement details.

Indemnification
You agree to indemnify and hold harmless JR Advisory and Jehovah-Raah Pty Ltd, and their respective directors, officers, employees, contractors, and agents, from and against any claims, losses, damages, costs (including reasonable legal costs), and expenses arising from or in connection with: your use or misuse of this website, our products, or our services; your breach of these terms; or any content, materials, or information you supply to us in connection with your use of this website or any engagement with JR Advisory.

Exclusion of competitors
If you are in the business of creating, distributing, or commercialising any product, service, framework, or material that competes with or substitutes for any product or service offered by JR Advisory, whether directly or indirectly, then you are a competitor of JR Advisory. JR Advisory expressly excludes and does not permit you to use or access this website, to download any documents or information from it, or to obtain any such documents or information through a third party. If you breach this term, JR Advisory will hold you fully responsible for any loss sustained and accountable for any profits made from such unpermitted use. JR Advisory reserves the right to exclude and deny any person access to this website, services, or information in its sole discretion.

Privacy
JR Advisory takes the privacy of your personal information seriously. We handle personal information responsibly and are working towards a data handling framework consistent with Australian Privacy Principles. Your rights regarding access to and correction of personal information we hold about you are set out in our Privacy Policy. Please read our separate Privacy Policy carefully. Credit card and payment information is not stored by us on our servers. All payment processing is handled by our payment provider through encrypted, secure channels.

Artificial intelligence and technology. 
Some of our products, services, communications, and materials may be developed with the assistance of artificial intelligence tools. We do not warrant that AI-assisted content is entirely free from error. All AI-assisted outputs are reviewed by our team before delivery or publication. Intellectual property rights in AI-assisted materials produced in connection with our services are owned by us in accordance with applicable law. We will update this clause as Australian and international AI regulation evolves.

No binding representations outside these terms
No statement made by any JR Advisory representative outside these terms, whether by email, social media, telephone, verbal communication, or otherwise, creates a binding obligation on JR Advisory unless confirmed in writing by a director of Jehovah-Raah Pty Ltd.

Disclaimer
To the fullest extent permitted by law, JR Advisory disclaims all warranties, expressed or implied, including but not limited to implied warranties of merchantability and fitness for any particular purpose. JR Advisory gives no warranty that the website, documents, goods, or services will be free of errors or that defects will be corrected, or that our website or server is free of viruses or any other harmful components. Whilst we endeavour to have the most accurate, reliable, and up-to-date information on this website at all times, we do not warrant or make any representations regarding the use or result of the use of any document, product, service, link, or information on the website as to its correctness, suitability, accuracy, or reliability. It is your sole responsibility to bear any and all costs of servicing, repairs, or correction.

Whole agreement
These terms and conditions represent the whole agreement between you and JR Advisory concerning your use of and access to jradvisory.co. No other term is to be included in this agreement except where required by any legislation of the Commonwealth or any State or Territory. All implied terms except those implied by statute and which cannot be expressly excluded are hereby expressly excluded.

Severability
Where any clause or term above would by any applicable statute be illegal, void, or unenforceable in any State or Territory, such a clause shall not apply in that State or Territory and shall be deemed never to have been included in these terms in that State or Territory. Such a clause if legal and enforceable in any other State or Territory shall continue to be fully enforceable and part of this agreement in those other States and Territories.

Assignment
You may not assign, transfer, or sub-license any of your rights or obligations under these terms to any third party without our prior written consent. Any purported assignment without our written consent is void. We may assign or transfer our rights and obligations under these terms in connection with a merger, acquisition, restructure, or sale of all or part of our business.

No waiver
No failure or delay by us in enforcing any provision of these terms constitutes a waiver of that provision or of any other provision. Our rights under these terms remain fully exercisable notwithstanding any prior failure to enforce them.

Survival of terms
The following clauses survive termination or expiry of these terms for any reason: Limitation of Liability, Intellectual Property, Indemnification, Dispute Resolution, Governing Law, Exclusion of Competitors, Independence of Trading Brands, and any confidentiality obligations. All other clauses cease to apply once your engagement with this trading brand has concluded, subject to the engagement gates below.

Engagement gates
A JR Advisory engagement arises and concludes in defined stages. Each stage is a separate and distinct engagement. Completing a gate closes that engagement. A new gate opens a new engagement.

Pre-engagement gate: A pre-engagement relationship arises from the point of first contact, including any scoping call, discovery session, or discussion in which confidential information is exchanged. The pre-engagement relationship closes if no Consulting Agreement and Statement of Work are executed within 90 days of first contact, or earlier if either party confirms in writing that no engagement will proceed. The only obligation surviving closure of the pre-engagement gate is confidentiality of information exchanged during that pre-engagement period, which survives for 3 years from gate closure.

Gate A: Your advisory engagement opens upon execution of a Statement of Work and confirmed receipt of the deposit. No delivery obligations exist before this gate.

Gate B: The delivery engagement closes upon acceptance or deemed acceptance of the final deliverable under the applicable Statement of Work. After Gate B closes, your remaining obligations are limited to outstanding invoices. JR Advisory's remaining obligations are limited to completing outstanding invoicing.

Gate C: The financial engagement closes upon confirmed receipt of all outstanding invoices under the Statement of Work. After Gate C closes, this engagement is fully discharged. The only obligations surviving Gate C are: confidentiality of information exchanged during this engagement (3 years from Gate C or the applicable limitation period under Australian law, whichever is longer); and any intellectual property ownership arising from deliverables produced (without time limit). No other obligation from this engagement continues after Gate C.

A new Statement of Work opens a new engagement from Gate A, regardless of any prior engagement between the parties.

Dispute resolution
If a dispute arises in connection with these terms or any engagement with JR Advisory, the parties agree to attempt resolution in good faith through direct negotiation within 30 days of written notice of the dispute. If unresolved, the dispute will be referred to mediation before a mediator agreed between the parties. If no mediator is agreed within 14 days, the mediator will be appointed by the ACT Law Society. Each party will bear its own costs of mediation, including legal representation costs, unless the mediator or a court of competent jurisdiction orders otherwise. Nothing in this clause prevents either party from seeking urgent injunctive or interlocutory relief. If litigation is required, the parties submit to the exclusive jurisdiction of the courts of the Australian Capital Territory.

Governing law and jurisdiction
These terms and this website are subject to the laws of the Australian Capital Territory and Australia. To the extent permitted by the laws applicable in your jurisdiction, Australian law governs your relationship with JR Advisory. If there is a dispute between you and JR Advisory that results in litigation, you must submit to the jurisdiction of the courts of the Australian Capital Territory.

Independence of trading brands
This website is operated by JR Advisory, a trading brand of Jehovah-Raah Pty Ltd (ABN 70 658 254 329). Jehovah-Raah Pty Ltd operates multiple trading brands, each as a separate and independent business. A claim, dispute, liability, or obligation arising in connection with one trading brand does not extend to, bind, or create any liability against any other trading brand operated by Jehovah-Raah Pty Ltd. Your engagement with this trading brand does not create any rights against, or obligations on, any other trading brand operated by Jehovah-Raah Pty Ltd. Each trading brand operates under its own terms and conditions, privacy policy, and website disclaimer.

Precedence of separately signed agreements
Where you have entered into a separately signed written agreement with JR Advisory including but not limited to a consulting agreement, statement of work, licensing agreement, or other formal contract, that agreement prevails over these Terms and Conditions to the extent of any inconsistency for matters it specifically addresses. These Terms and Conditions continue to apply in full to all matters not addressed by that agreement, and the two documents are to be read together as the complete agreement between the parties. No separately signed agreement excludes or limits any right you may have under the Australian Consumer Law that cannot be excluded or modified by agreement.

Additional JR Advisory terms

Australian website and offer location
This website is operated from Australia. Our services and digital products are offered from Australia and are intended to be used in connection with commercial decision-making initiated from Australia or other markets we choose to serve. We do not represent that this website, its content, or any service or product offered through it is appropriate for use in every country or compliant with laws outside Australia.

Nature of services
JR Advisory provides strategic, commercial, governance, and decision-support services. Unless expressly stated in a separately signed document, our services do not include implementation, system configuration, technical deployment, legal advice, tax advice, accounting advice, financial product advice, investment advice, migration advice, clinical advice, employment advice, or any other regulated professional service.

No reliance without independent evaluation
Any report, recommendation, framework, workshop output, decision brief, presentation, or other material provided by JR Advisory is prepared for the purpose and context described in the applicable engagement. You must assess its suitability for your own circumstances and obtain your own legal, financial, tax, technical, regulatory, security, or operational advice where required.

Currency and taxes
Prices displayed on this website are shown in the currency presented at the time of browsing or checkout, which may vary based on your location, browser settings, or the display settings of our storefront. Where prices are displayed in a currency other than Australian dollars, the Australian dollar price is the base price and governs in the event of any dispute or discrepancy. You are responsible for any local taxes, duties, bank fees, currency conversion costs, or other charges arising from transactions processed in a currency other than your local currency, except to the extent such responsibility cannot lawfully be imposed on you.

 

 

For questions about these terms, contact us at hello@jradvisory.co 

Legal entity: Jehovah-Raah Pty Ltd (ABN 70 658 254 329)
Attn: JR Advisory Co
Level 16 & 17, 1 Denison Street, North Sydney, NSW 2060, Australia.