WEBSITE TERMS AND CONDITIONS OF USE

1. About the Website
   (a) Welcome to https://opicko.com (Website). The Website facilitates interactions between:
    (i) parties providing services (Provider); and
    (ii) parties receiving services (Receiver),
   making it easier for the Receiver and the Provider to locate, communicate, arrange payment and deliver the services in a fast and secure manner (Services).

(b) The Website is operated by Ranmal Group Pty Ltd T/A Opicko (ACN 1-67557200840.). Access to and use of the Website, or any of its associated products or Services, is provided by Ranmal Group Pty Ltd T/A Opicko. Please read these terms and conditions (Terms) carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website, or any of its products or Services, immediately.

(c) Ranmal Group Pty Ltd T/A Opicko reserves the right to review and change any of the Terms by updating this page at its sole discretion. When Ranmal Group Pty Ltd T/A Opicko updates the Terms, it will use reasonable endeavours to provide you with notice of updates. Any changes to the Terms take immediate effect from the date of their publication.

2. Acceptance of the Terms
   You accept the Terms by registering for the Services and/or making any payment as required. You may also accept the Terms by clicking to accept or agree where such option is made available.
3. The Services
   (a) Both Receivers and Providers must register for an account through the Website.
   (b) You may be required to provide personal information such as:
    (i) Email address
    (ii) Telephone number
    (iii) Name, Location
   (c) You warrant your information is accurate and up to date.
   (d) Once registered, you are a Member and agree to be bound by the Terms.
   (e) You may not use the Services if:
    (i) You are not of legal age to form a binding contract
    (ii) You are barred from receiving the Services by law.
4. Your obligations as a Member
   You agree to:

• Not share your profile with others
• Use Services lawfully
• Maintain confidentiality of your login credentials
• Ensure content you upload is accurate
• Not impersonate others
• Not harass, stalk, or threaten others
• Use the Website only as permitted
• Avoid commercial, illegal or automated uses unless approved.

5. Using the Website as the Receiver
   [Section omitted in original]
6. Using the Website as the Provider
   [Section omitted in original]
7. Payment
   Payments are made using an external service. You agree to their terms and conditions.
8. Refund Policy
   (a) Compliant with Australian Consumer Law
   (b) Ranmal Group Pty Ltd T/A Opicko is only a facilitator
   (c) Contact Provider directly for refunds
   (d) If unresolved, contact Opicko with proof after 14 days
   (e) If agreed, Provider instructs Opicko to process refunds
   (f) All parties must comply with this policy.
9. Copyright and Intellectual Property
   (a) Website and its contents are protected by copyright
   (b) License granted to Members for personal, non-commercial use
   (c) You cannot use trademarks or proprietary systems without permission
   (d) You grant Opicko a license to reuse Your Content
   (e) Rights remain with Opicko unless otherwise stated.
10. Privacy
    Use of the Website is subject to Opicko’s Privacy Policy.
11. General Disclaimer
    (a) Nothing excludes rights under the law
    (b) Opicko is not liable for indirect or consequential damages
    (c) Services are provided “as is”
    (d) Opicko is not responsible for Member conduct.
12. Competitors
    Competitors may not use the Website or Services. Legal action may be taken.
13. Limitation of Liability
    (a) Liability is limited to the resupply of Services
    (b) Opicko is not liable for loss of profit or reputation
    (c) No liability for misuse of content.
14. Termination of Contract
    (a) You may terminate with 7 days’ notice
    (b) Opicko may terminate at any time for breach, legal reasons, or if Services are no longer viable
    (c) Rights and obligations survive termination.
15. Indemnity
    You indemnify Opicko against loss or claims resulting from your content or conduct.
16. Dispute Resolution
    (a) Must attempt resolution via negotiation and mediation before court action
    (b) Held in Sydney, Australia
    (c) Costs shared
    (d) Confidential
    (e) Mediation ends after 2 months if unresolved.
17. Venue and Jurisdiction
    Disputes to be resolved in courts of the Australian Capital Territory.
18. Governing Law
    Terms governed by laws of the Australian Capital Territory.
19. Severance
    If part of the Terms is void, the rest remain in force.