Terms and Conditions

These Terms and Conditions govern your use of our financial planning subscription service. Please read them carefully before using our services.

Effective Date: September 8, 2025

Acceptance of Terms

By subscribing to our service, accessing our website, or engaging in consultations, you agree to be bound by these Terms and Conditions.

These terms constitute a legally binding agreement between you and pelorivquana Financial Planning Pty Ltd.

Definitions

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

• "Service": Our monthly financial planning subscription including consultations, analytical reviews, and related communications
• "Subscriber": Any individual or entity who has purchased our monthly subscription service
• "Consultations": Scheduled discussions about financial planning topics, conducted via phone, video, or in-person
• "Personal Information": Any information that identifies you personally, including financial information shared during consultations

Use of Services

Our services are designed to provide general financial planning guidance through consultations and analytical reviews.

Eligibility

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

18+ only

Your Responsibilities

• Provide accurate and complete information during consultations
• Maintain the confidentiality of your account information and login credentials
• Use our services in compliance with applicable laws and these terms

Prohibited Uses

You agree not to use our services for any of the following purposes:

• Any unlawful or fraudulent activity
• Sharing account access with unauthorized third parties
• Attempting to reverse-engineer or copy our proprietary methods
• Using information obtained through our service to compete with our business
• Harassing, threatening, or abusing our staff or other subscribers

Intellectual Property

All content, materials, and proprietary methods used in our service are owned by pelorivquana Financial Planning Pty Ltd and protected by Australian intellectual property laws.

Information You Provide

When you share information during consultations, you agree that:

• The information you provide is accurate to the best of your knowledge
• You have the right to share any financial information you discuss with us
• We may use general insights from consultations to improve our service (without identifying you)

Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of information shared during consultations, as detailed in our Privacy Policy. Privacy Policy

Service Disclaimers

Our service is provided subject to the following important disclaimers:

Limitation of Liability

To the fullest extent permitted by Australian law, our liability is limited as follows:

Our total liability for any claim shall not exceed the subscription fees paid by you in the 12 months preceding the claim.

Indemnification

You agree to indemnify us against any claims arising from your use of our service or breach of these terms.

Dispute Resolution

For any complaints or disputes regarding our services, please contact us directly first. If the matter cannot be resolved, you may escalate to:

Termination

Either party may terminate the subscription with 30 days written notice. You may cancel your subscription at any time through your account portal.

Upon termination, your access to consultations will cease, but confidentiality obligations continue indefinitely.

Governing Law

These terms are governed by Australian law, with specific consideration for consumer protection legislation in your state or territory.

Severability

If any provision is found unenforceable, it will be modified to the minimum extent necessary while preserving the remainder of these terms.

Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the complete agreement between us regarding your use of our service.

Changes to Terms

We may modify these terms periodically to reflect changes in our service, legal requirements, or business practices.

Continued use of our service after changes are posted constitutes acceptance of the modified terms.

Contact Us About Cookies

If you have questions about these Terms and Conditions, please contact us using the information provided in our main contact section.