Terms and Conditions

Last Updated: May 2026

Welcome to Affarico.

Affarico is a curated knowledge platform operated by Klapatche Pty Ltd ACN 675 643 384. Affarico is a registered business name of Klapatche Pty Ltd.

These Terms and Conditions explain the rules that apply when you access or use the Affarico website, knowledge libraries, subscription plans, digital content, member features, and related services.

By accessing or using Affarico, creating an account, purchasing a subscription, or continuing to browse the website, you agree to these Terms. If you do not agree, you must not use the website or services.

1. About Affarico

Affarico provides curated information resources, knowledge libraries, summaries, references, learning materials, and related digital content across multiple subject areas.

Affarico is designed to help users discover, understand, and navigate information more easily. It does not replace professional advice, academic instruction, legal advice, financial advice, medical advice, therapeutic advice, or any other regulated professional service.

The website is available at www.affarico.com.

2. Who operates Affarico

The website and services are operated by:

Klapatche Pty Ltd
ACN 675 643 384
Trading under the registered business name Affarico
Gold Coast, Queensland, Australia

References in these Terms to “Affarico,” “we,” “us,” or “our” mean Klapatche Pty Ltd trading as Affarico.

3. Changes to these Terms

We may update these Terms from time to time to reflect changes to our website, services, subscriptions, business operations, legal obligations, or user requirements.

When we make changes, we will publish the updated Terms on this page. The updated Terms apply from the date they are published, unless stated otherwise.

You should review this page periodically. If you continue to use Affarico after the Terms are updated, you are taken to have accepted the updated Terms.

4. Access to the website

You may access publicly available parts of Affarico without creating an account.

Some content, features, libraries, or resources may require you to create an account, become a member, or purchase a paid subscription.

We may modify, suspend, restrict, or discontinue any part of the website or services at any time. We are not liable to you or any third party for changes to the availability, structure, design, content, or features of the website, except to the extent required by law.

5. Accounts and registration

To access member-only content or subscription services, you may need to create an account.

When creating or using an account, you agree to provide accurate, current, and complete information. This may include your name, email address, username, password, billing information, country or region, and other information reasonably required to provide the service.

You are responsible for maintaining the confidentiality of your login details and for all activity that occurs under your account.

You must notify us promptly if you become aware of unauthorised access to your account or any security issue.

We may suspend or terminate your account if we reasonably believe that your account has been misused, that your information is inaccurate, or that you have breached these Terms.

6. Eligibility

You may only use Affarico if you are legally able to enter into a binding agreement in your country or region.

If you are under the age of legal majority in your location, you may only use Affarico with the involvement and consent of a parent or legal guardian.

You must not use Affarico if you are prohibited from doing so under the laws of Australia or the laws that apply in your country or region.

7. Subscriptions and paid access

Affarico may offer paid subscription plans, including monthly, annual, or other access plans.

The details of each plan, including price, inclusions, billing frequency, renewal terms, and access rights, will be shown at the time of purchase.

By purchasing a subscription, you authorise us or our payment provider to charge the applicable fees using your selected payment method.

Unless stated otherwise at the time of purchase, subscriptions provide access for one individual user only and are not transferable.

8. Automatic renewal

Some subscriptions may renew automatically unless cancelled before the renewal date.

If automatic renewal applies to your subscription, this will be disclosed during the purchase process. You are responsible for managing your subscription and cancelling it before renewal if you do not wish to continue.

Where required by applicable law, we will provide renewal information or cancellation rights in the manner required.

9. Pricing and payment

Prices may be displayed in US dollars, Australian dollars or another currency depending on the payment system, your location, or the plan selected.

Prices may be changed from time to time. Price changes will not affect a subscription period that has already been paid for, unless required by law or clearly disclosed to you.

Payments may be processed by third-party payment providers. By making a payment, you may also be subject to the payment provider’s own terms, privacy policy, and processing rules.

We do not store full payment card details unless this is handled securely by an authorised payment provider.

10. Taxes and international users

Affarico is available to users in multiple countries.

Depending on your location, subscription fees may be subject to taxes, duties, GST, VAT, sales tax, or similar charges. Where applicable, these may be included in the price or added during checkout.

You are responsible for complying with any laws that apply to you in your country or region when accessing Affarico.

11. Cancellations

You may cancel your subscription through the account, billing, or subscription management tools made available on the website, or by contacting us where self-service cancellation is not available.

Cancelling a subscription stops future renewal charges. It does not automatically provide a refund for a period that has already commenced, unless required by law or expressly stated by us.

After cancellation, you may continue to have access until the end of the period you have already paid for, unless your access is terminated earlier due to a breach of these Terms.

12. Refunds

Refunds are handled in accordance with these Terms, the subscription terms shown at checkout, and any rights you may have under applicable consumer protection laws.

For Australian consumers, our services come with guarantees that cannot be excluded under the Australian Consumer Law. If a service fails to meet a consumer guarantee, you may be entitled to a remedy. The ACCC explains that consumer remedies may include repair, replacement, refund, cancellation, or compensation depending on the circumstances.

We may provide a refund where:

we are unable to provide the service you paid for;
a refund is required under applicable law;
there has been a billing error; or
we determine, at our discretion, that a refund is appropriate in the circumstances.

We are not required to provide a refund simply because you change your mind, stop using the service, forget to cancel before renewal, or no longer require access, unless applicable law gives you that right.

13. Acceptable use

You agree to use Affarico only for lawful, personal, educational, professional, or internal business purposes.

You must not:

use the website for unlawful, misleading, harmful, abusive, or fraudulent purposes;
interfere with the security, operation, availability, or integrity of the website;
attempt to gain unauthorised access to accounts, systems, data, or restricted areas;
scrape, crawl, extract, harvest, or mass-download content without written permission;
copy, reproduce, redistribute, resell, or commercially exploit Affarico content except as permitted by these Terms;
use Affarico content to create a competing product, database, library, or commercial service;
upload or transmit malicious code, spam, or harmful material;
impersonate another person or misrepresent your identity or affiliation; or
use the website in a way that infringes the rights of Affarico, Klapatche Pty Ltd, other users, contributors, or third parties.

14. Intellectual property

Unless otherwise stated, Affarico owns or controls the intellectual property rights in the website, platform design, structure, branding, original text, summaries, classifications, layouts, graphics, user interface elements, curated collections, and other materials created by or for Affarico.

Some resources made available through Affarico may be based on, link to, reference, summarise, or organise third-party materials, public domain materials, open access materials, government publications, or materials made available under specific licences.

Affarico does not claim ownership of third-party materials where ownership belongs to another party.

You must respect all copyright notices, licence terms, attribution requirements, and usage restrictions that apply to third-party materials.

15. Licence to use Affarico content

Subject to these Terms and your subscription status, we grant you a limited, revocable, non-exclusive, non-transferable licence to access and use Affarico content for your own personal, educational, professional, or internal business purposes.

You may:

view Affarico content through the website;
download or print materials where this functionality is made available;
use the content for your own learning, research, planning, or internal reference; and
share links to publicly available Affarico pages.

You must not, without our prior written permission:

copy substantial parts of Affarico libraries or databases;
republish Affarico content on another website, platform, product, or service;
sell, rent, license, sublicense, or commercially exploit Affarico content;
remove branding, attribution, copyright notices, or licence information;
use automated systems to extract content; or
create a competing service using Affarico’s content structure, summaries, taxonomy, or curated collections.

16. Public domain and open materials

Affarico may include, reference, or organise materials that are in the public domain or available under open licences.

Where content is public domain or openly licensed, your rights to use that original source material may be broader than your rights to use Affarico’s own platform, summaries, design, organisation, taxonomy, commentary, or curated presentation.

Nothing in these Terms is intended to restrict rights you independently have under public domain status, open licences, fair dealing, fair use, or applicable law.

17. User content and submissions

If you submit content, comments, feedback, suggestions, files, or other materials to Affarico, you confirm that you have the right to do so.

You grant us a non-exclusive, worldwide, royalty-free licence to use, store, reproduce, adapt, publish, display, and process that material to operate, improve, promote, or provide Affarico services.

You must not submit material that is unlawful, defamatory, misleading, confidential without authority, infringing, malicious, or harmful.

We may remove user-submitted content at our discretion.

18. Third-party links and content

Affarico may contain links to third-party websites, publications, platforms, tools, services, or resources.

Third-party links are provided for reference and convenience. We do not control third-party websites and are not responsible for their content, availability, accuracy, security, privacy practices, or terms of use.

You access third-party websites and resources at your own risk.

19. No professional advice

Affarico provides general information and curated knowledge resources only.

Content on Affarico is not professional advice and should not be relied on as a substitute for advice from appropriately qualified professionals.

This includes, without limitation, legal, financial, medical, therapeutic, psychological, educational, regulatory, investment, tax, business, or technical advice.

You are responsible for evaluating whether information is suitable for your circumstances and for obtaining professional advice where required.

20. Accuracy and availability

We aim to provide useful, current, and carefully curated information. However, information may become outdated, incomplete, inaccurate, or subject to change.

We do not guarantee that:

all content will be complete, accurate, current, or suitable for your purpose;
the website will be uninterrupted, secure, or error-free;
defects will be corrected immediately;
all resources will remain available; or
third-party links or referenced materials will continue to be accessible.

Your use of Affarico is at your own risk, subject to any rights you have under applicable law.

21. Privacy

Your use of Affarico may involve the collection and handling of personal information.

We handle personal information in accordance with our Privacy Policy and applicable privacy laws.

Australian privacy guidance explains that a privacy policy should clearly describe how an organisation manages personal information. The OAIC also states that the Australian Privacy Principles are the foundation of Australia’s privacy protection framework under the Privacy Act 1988.

You should read our Privacy Policy before using the website or providing personal information.

22. Security

We take reasonable steps to protect the website and information we hold. However, no online system is completely secure.

You are responsible for using secure passwords, keeping your login details confidential, and ensuring that your own devices and systems are protected.

You must notify us promptly if you believe your account has been compromised.

23. Suspension or termination

We may suspend, restrict, or terminate your account or access to Affarico if:

you breach these Terms;
payment is not received or is reversed;
we reasonably suspect fraud, misuse, security risk, or unlawful conduct;
your conduct may harm Affarico, Klapatche Pty Ltd, other users, contributors, or third parties;
we are required to do so by law; or
we discontinue the relevant service.

You may stop using Affarico at any time. If you have a paid subscription, you are responsible for cancelling it in accordance with the cancellation process.

Sections of these Terms that by their nature should continue after termination will continue, including intellectual property, disclaimers, liability limitations, indemnities, and dispute provisions.

24. Limitation of liability

To the maximum extent permitted by law, Affarico and Klapatche Pty Ltd are not liable for indirect, incidental, special, consequential, or economic loss, including loss of profits, revenue, business opportunity, goodwill, data, or anticipated savings.

To the maximum extent permitted by law, our total liability arising out of or in connection with the website, services, subscriptions, or these Terms is limited to the amount you paid to us for the relevant service in the 12 months before the event giving rise to the claim, or the resupply of the services, whichever is appropriate under applicable law.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, remedy, or liability that cannot lawfully be excluded, restricted, or modified.

25. Indemnity

You agree to indemnify Klapatche Pty Ltd, Affarico, and their officers, employees, contractors, contributors, and agents against losses, claims, liabilities, damages, costs, and expenses arising from:

your breach of these Terms;
your misuse of the website or services;
your infringement of intellectual property or other third-party rights;
content or materials you submit; or
unlawful or unauthorised conduct by you.

This indemnity applies to the extent permitted by law.

26. International access

Affarico is operated from Australia.

We do not represent that the website, services, or content are appropriate or available in every country.

If you access Affarico from outside Australia, you are responsible for complying with the laws that apply in your location.

We may restrict access to the website, services, payment options, or content in certain countries or regions where required by law, operational constraints, sanctions, licensing restrictions, or commercial considerations.

27. Disputes

If a dispute arises in connection with these Terms or your use of Affarico, either party should first contact the other party and attempt to resolve the issue in good faith.

A notice of dispute should describe the nature of the dispute, the desired outcome, and any action requested.

If the dispute is not resolved within 28 days, the parties may agree to mediation in Brisbane, Queensland, or by online mediation if appropriate.

Nothing in this clause prevents either party from seeking urgent interlocutory or injunctive relief.

28. Governing law and jurisdiction

These Terms are governed by the laws of Queensland, Australia.

Subject to any rights you may have under applicable consumer protection laws in your country or region, the courts of Queensland, Australia have jurisdiction over disputes arising in connection with these Terms, the website, or the services.

29. Severability

If any part of these Terms is found to be invalid, unlawful, or unenforceable, that part will be severed to the extent necessary and the remaining parts will continue in full force and effect.

30. Contact

If you have questions about these Terms, please contact:

Klapatche Pty Ltd trading as Affarico
Email: contact@klapatche.com