Terms and Conditions

Acceptance of Terms

By accessing our website or using our services, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please do not use our services.

Your continued use of our services constitutes acceptance of any updates to these terms.

Description of Services

We provide subscription-based financial planning services including personalised consultations and analytical reviews. Our services are designed to provide general guidance and should not replace comprehensive professional advice.

Services are provided subject to availability and may be modified or discontinued at our discretion.

User Responsibilities

As a user of our services, you agree to:

• • Provide accurate and complete information
• • Use our services only for lawful purposes
• • Maintain the confidentiality of your account information
• • Notify us promptly of any changes to your circumstances
• • Comply with all applicable laws and regulations

Prohibited Uses

You may not use our services for:

• • Any unlawful or fraudulent purpose
• • Transmitting harmful or malicious content
• • Interfering with the operation of our services
• • Accessing data not intended for you
• • Reproducing or distributing our content without permission

Intellectual Property

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

You may not reproduce, distribute, or create derivative works without written permission.

Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information.

Please review our Privacy Policy for complete details about our data practices. Privacy Policy

Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from your use of our services.

Our total liability shall not exceed the amount paid by you for our services in the preceding 12 months.

Some jurisdictions may not allow certain exclusions or limitations of liability.

Indemnification

You agree to indemnify us against any claims, losses, or damages arising from your use of our services, breach of these terms, or violation of any third-party rights.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Termination

Either party may terminate the service relationship with appropriate notice. We reserve the right to suspend or terminate services for breach of these terms.

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

Governing Law

These terms are governed by Australian law, regardless of your location or the laws of your jurisdiction.

Australian courts have exclusive jurisdiction over any disputes arising from these terms.

Severability

If any provision of these terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and other referenced documents, constitute the complete agreement between us regarding your use of our services.

Changes to Terms

We may modify these terms at any time by posting updated terms on our website. Changes become effective immediately upon posting.

Continued use of our services after changes constitutes acceptance of the modified terms.

Contact Information

For questions about these terms and conditions, please contact us: