Terms and Conditions

Service Terms

These terms and conditions govern your use of Xenoliravoth Financial Planning services and our website. By using our services, you agree to these terms.

Your continued use of our services constitutes ongoing acceptance of these terms and any updates we may make from time to time.

Key Definitions

For clarity, the following terms have specific meanings throughout this agreement:

• • Services: Financial planning consultations, analytical reviews, and related guidance provided through our subscription model
• • Subscription: Monthly recurring service agreement providing ongoing access to our financial planning services
• • Client: Individual or entity that subscribes to and receives our financial planning services
• • Platform: Our website, systems, and digital tools used to deliver services and facilitate communication

Acceptable Use

Your use of our services must comply with these guidelines and applicable laws:

Your Responsibilities

As a client, you have specific responsibilities to ensure effective service delivery:

• • Provide accurate and complete financial information during consultations
• • Maintain the confidentiality of your account credentials and personal information
• • Notify us promptly of any changes in your financial circumstances
• • Use our services in compliance with applicable laws and regulations
• • Pay subscription fees on time according to your chosen billing schedule

Intellectual Property Rights

All content, materials, and intellectual property on our platform remain our exclusive property. You may use them solely in connection with our services.

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

Privacy and Data Protection

Your privacy is important to us. We collect and use your personal information in accordance with our Privacy Policy, which forms part of these terms.

Please review our Privacy Policy for detailed information about our data practices and your privacy rights.

Payment Terms

Our subscription services operate under the following payment structure:

• • Monthly subscription fee of $250 AUD including GST, billed monthly in advance
• • Payment due within 5 business days of invoice date through authorized payment methods
• • Late payments may result in service suspension until account is current
• • Price changes will be communicated 30 days in advance with option to cancel

Service Termination

Either party may terminate the subscription arrangement under specific circumstances:

Liability Limitations

To the maximum extent permitted by Australian law, our liability for any claims arising from our services is limited to the amount you paid for services in the preceding 12 months.

We exclude liability for indirect, consequential, or special damages including lost profits or business interruption.

Resolving Disputes

We prefer to resolve disputes amicably and have established several mechanisms for addressing concerns:

User Indemnification

You agree to indemnify Xenoliravoth Financial Planning against claims arising from your breach of these terms, misuse of services, or violation of applicable laws.

Applicable Law

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

Terms Updates

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

Significant changes will be communicated through email or website notice at least 30 days before taking effect.

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Xenoliravoth Financial Planning regarding our services.

Terms Questions

For questions about these terms or to request clarification on specific provisions, please contact our customer service team.