Terms and Conditions

Terms of Service Introduction

These terms and conditions govern your use of our website and financial planning services.

By using our services, you agree to be bound by these terms and conditions as they may be updated from time to time.

Important Definitions

The following terms have specific meanings within this agreement.

• "Service" refers to our financial planning consultation and advisory services provided through subscription.
• "User" or "Client" refers to any individual who accesses our website or engages our services.
• "Content" includes all information, text, graphics, and materials provided through our website and services.
• "Agreement" refers to these terms and conditions along with our privacy policy and other referenced documents.

Service Usage Guidelines

Your use of our services is subject to the following terms and conditions.

Service Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use our services.

Account Responsibility

You are responsible for maintaining the confidentiality of your account information and all activities that occur under your account.

Your Responsibilities

As a user of our services, you agree to the following responsibilities.

• Provide accurate and complete information during consultations and communications
• Use our services only for lawful purposes and in accordance with these terms
• Respect intellectual property rights and confidentiality of our content and methods
• Pay all fees and charges associated with your service subscription on time
• Notify us promptly of any changes to your contact information or circumstances

Prohibited Activities

The following activities are strictly prohibited when using our services.

• Using our services for any illegal or unauthorized purpose
• Attempting to gain unauthorized access to our systems or other user accounts
• Distributing viruses, malware, or other harmful computer code
• Harassing, threatening, or intimidating our staff or other users
• Reproducing, distributing, or selling our proprietary content without permission
• Impersonating any person or entity or misrepresenting your affiliation

Intellectual Property Rights

All content, trademarks, and intellectual property on our website and in our services remain the property of delionvarexa or our licensors.

We grant you a limited, non-exclusive license to use our services for their intended purpose during your subscription period.

You may not reproduce, distribute, modify, or create derivative works from our proprietary content without written permission.

Privacy and Data Protection

Your privacy is governed by our separate Privacy Policy, which forms part of this agreement and should be read in conjunction with these terms. Privacy Policy

Payment and Subscription Terms

The following terms apply to all payments and subscriptions for our services.

• Monthly subscription fees of $250 (including GST) are due in advance on the same date each month
• Payment methods accepted include major credit cards and direct debit arrangements
• Failed payments may result in suspension of services until payment is successfully processed
• Refunds are provided at our discretion and subject to our cancellation policy

Service Disclaimers

Our services are provided "as is" without warranties of any kind, express or implied, regarding outcomes or results.

We disclaim all warranties including merchantability, fitness for purpose, and non-infringement to the maximum extent permitted by law.

Additional disclaimers are provided in our separate Disclaimer document, which forms part of this agreement. Disclaimer

Liability Limitations

Our liability is limited to the maximum extent permitted by Australian consumer law and shall not exceed the amount paid for services in the preceding 12 months.

We exclude liability for indirect, consequential, or punitive damages arising from your use of our services.

User Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your breach of these terms or misuse of our services.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently through appropriate channels.

Alternative Dispute Resolution

Disputes may be resolved through mediation or arbitration before pursuing court proceedings, where appropriate under Australian law.

Any arbitration will be conducted in accordance with Australian dispute resolution procedures and applicable industry standards.

International Dispute Resolution

For international clients, alternative dispute resolution options may be available through relevant consumer protection agencies in your jurisdiction.

For international clients, alternative dispute resolution options may be available through relevant consumer protection agencies.: https://ec.europa.eu/consumers/odr

Service Termination

Either party may terminate the service relationship with appropriate notice, subject to completion of existing commitments and payment obligations.

Upon termination, your access to services will cease, though certain provisions of this agreement may survive termination.

Applicable Law

This agreement is governed by Australian law, and any disputes will be subject to the jurisdiction of Australian courts.

Terms Modifications

We reserve the right to modify these terms at any time, with notice provided through our website or direct communication.

Your continued use of our services after changes constitute acceptance of the modified terms.

Severability of Terms

If any provision of this agreement is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Complete Agreement

This agreement, together with our Privacy Policy and Disclaimer, constitutes the entire agreement between you and delionvarexa regarding our services.