Terms and Conditions

For the purposes of these Terms and Conditions:

• "Service" refers to financial planning consultation services provided by rivaexivoyron Financial Planning
• "User" or "Client" refers to any individual who accesses our website or uses our services
• "Content" refers to all information, materials, and resources provided through our services
• "Agreement" refers to these Terms and Conditions and any additional service agreements

rivaexivoyron Financial Planning provides consultation services focused on financial planning guidance and money management strategies. Our services include personalized consultations, analytical reviews, and ongoing support.

We offer general guidance and analytical perspectives rather than specific financial product advice. Our consultations are designed to help you understand various approaches to financial planning and money management.

Results may vary based on individual circumstances, market conditions, and your commitment to implementing discussed strategies. Past performance does not guarantee future results.

To use our services, you must meet the following eligibility requirements:

• Be at least 18 years of age
• Have legal capacity to enter into binding agreements
• Provide accurate and complete information during registration and consultations

As a user of our services, you agree to:

• Provide accurate and honest information during consultations and registration
• Use our services only for legitimate financial planning purposes
• Respect the intellectual property rights of our content and materials
• Maintain the confidentiality of any login credentials or account information
• Comply with all applicable laws and regulations in your jurisdiction

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

• Any illegal or unauthorized activities
• Transmitting harmful, threatening, or offensive content
• Attempting to gain unauthorized access to our systems or other users' information
• Reproducing, distributing, or commercializing our proprietary content without permission
• Interfering with the proper functioning of our website or services

All content, materials, methodologies, and resources provided through our services are owned by rivaexivoyron Financial Planning and protected by applicable intellectual property laws.

We grant you a limited, non-exclusive license to use our content for personal financial planning purposes only.

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

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

Please review our Privacy Policy to understand how we handle your personal information.

Our financial planning consultation service is available through a monthly subscription at $250 AUD per month, including GST.

Payments are processed monthly in advance. We accept major credit cards and direct debit from Australian bank accounts.

You may cancel your subscription with 30 days' notice. No refunds are provided for partial months of service.

Our services provide general guidance and consultation on financial planning matters. We do not provide specific financial product advice or recommendations.

All financial decisions involve risk, and market conditions can change rapidly. Individual results may vary based on personal circumstances and external factors.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING OUR SERVICES.

To the maximum extent permitted by Australian law, rivaexivoyron Financial Planning shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Our total liability for any claims related to our services shall not exceed the amount you paid for services in the 12 months preceding the claim.

SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF LIABILITY, SO THESE LIMITATIONS MAY NOT APPLY TO YOU.

You agree to indemnify and hold harmless rivaexivoyron Financial Planning from any claims, damages, or expenses arising from your use of our services or violation of these terms, except where prohibited by law.

Arbitration

Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with Australian commercial arbitration rules, except where prohibited by law.

Alternative Dispute Resolution

We are committed to resolving disputes fairly and may participate in alternative dispute resolution processes where appropriate.

Learn about dispute resolution options

Either party may terminate the service agreement with 30 days' written notice.

We reserve the right to terminate services immediately for violation of these terms or illegal activities.

Upon termination, your access to our services will cease, but these terms will continue to apply to past use of our services.

All legal matters relating to our services are subject to Australian Consumer Law and relevant financial services regulations.

These terms are governed by Australian law and subject to the jurisdiction of Australian courts.

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

These Terms and Conditions, together with our Privacy Policy and any additional service agreements, constitute the entire agreement between you and rivaexivoyron Financial Planning.

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

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