Terms and Conditions

Acceptance of Terms

By accessing our website or subscribing to our service, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

If you do not agree with any part of these terms, you should not use our service or access our website.

Key Definitions

For the purposes of these terms, the following definitions apply:

• • "Service": Our monthly financial planning consultation subscription and related online platform
• • "User" or "You": Any individual who accesses our website or subscribes to our service
• • "Content": All information, materials, and resources provided through our service
• • "Account": Your personal subscription account and associated information

Authorized Use of Service

Your use of our service is subject to the following conditions:

Your Responsibilities

As a user of our service, you agree to:

• • Provide accurate and complete information during consultations
• • Maintain the confidentiality of your account credentials
• • Use the service in compliance with applicable laws
• • Respect the intellectual property rights of our content
• • Pay subscription fees on time as outlined in your agreement

Prohibited Activities

You may not use our service to:

• • Violate any applicable laws or regulations
• • Share or redistribute our proprietary content without permission
• • Attempt to gain unauthorized access to our systems
• • Use automated systems to access our service without consent
• • Impersonate others or provide false information
• • Interfere with the proper functioning of our service

Intellectual Property Rights

All content, materials, and resources provided through our service are protected by intellectual property laws and remain our exclusive property.

You may use our content solely for your personal financial planning purposes and may not reproduce, distribute, or create derivative works without written permission.

Any feedback or suggestions you provide may be used by us without compensation or attribution.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy.

Please review our Privacy Policy for detailed information about our data practices Privacy Policy

Payment and Subscription Terms

Subscription fees are charged monthly in advance at the rate of $250 AUD per month, inclusive of applicable taxes.

Payment is due on the same date each month. Failed payments may result in service suspension until account is brought current.

You may cancel your subscription at any time, with cancellation taking effect at the end of your current billing cycle.

Termination

Either party may terminate your subscription with 30 days' written notice. You may cancel through your account settings or by contacting customer service.

We reserve the right to suspend or terminate accounts immediately for violation of these terms or non-payment of fees.

Upon termination, your access to the service will cease, though certain provisions of these terms will survive termination.

Service Disclaimers

Our service provides general financial guidance and consultation. We do not provide specific investment advice or manage your finances directly.

All financial decisions remain your responsibility. We cannot guarantee specific outcomes from following our guidance or recommendations.

Limitation of Liability

To the fullest extent permitted by Australian law, our total liability for any claims related to the service shall not exceed the amount paid by you in the 12 months preceding the claim.

We are not liable for any indirect, incidental, special, or consequential damages, including lost profits or business opportunities.

Some jurisdictions may not allow certain liability limitations, so these restrictions may not apply to you.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the service, breach of these terms, or violation of applicable laws.

Governing Law and Jurisdiction

These terms are governed by the laws of Australia, without regard to conflict of law principles.

Any legal proceedings related to these terms or the service shall be conducted in the courts of Australia.

Changes to Terms

We may modify these terms at any time by posting updated versions on our website. Material changes will be communicated to active subscribers.

Your continued use of the service after changes constitutes acceptance of the modified terms.

Entire Agreement

These terms constitute the entire agreement between you and us regarding the service and supersede all prior agreements and understandings.

Contact Information

For questions about these terms or to exercise any rights, contact us using the information provided in the Contact section.