Terms and Conditions

Terms of Service

These Terms and Conditions govern your use of ulivarenqest's financial planning subscription service and website.

By using our services, you agree to be bound by these terms. Please read them carefully before proceeding.

Definitions

For the purposes of these Terms and Conditions:

• "Service" refers to our monthly financial planning consultation subscription offered at $250 per month
• "Client" or "you" refers to the individual subscribing to our financial planning service
• "Company" or "we" refers to ulivarenqest Financial Planning Services and its authorized representatives
• "Consultation" refers to the financial planning discussions and analytical reviews provided as part of the subscription

Use of Service

Your use of our financial planning service is subject to the following conditions:

Permitted Uses

• Accessing consultation services for personal financial planning purposes
• Using provided information and guidance for your own financial decision-making
• Communicating with our advisors through authorized channels during business hours

User Responsibilities

As a client, you agree to:

• Provide accurate and complete information necessary for effective financial planning
• Maintain confidentiality of any login credentials or access information provided
• Use consultation services in accordance with Australian financial regulations
• Notify us promptly of any changes in your financial circumstances that may affect planning
• Pay subscription fees on time according to the agreed billing schedule

Prohibited Activities

The following activities are strictly prohibited:

• Sharing consultation content or proprietary planning methodologies with third parties
• Using our service for illegal activities or purposes that violate Australian law
• Attempting to reverse-engineer or copy our consultation processes or materials
• Providing false or misleading information during consultations
• Harassing or abusing our staff members or other clients

Intellectual Property

All content, methodologies, and materials provided through our service remain the intellectual property of ulivarenqest Financial Planning Services.

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

Privacy and Data Protection

Our Privacy Policy, which forms part of these terms, details how we collect, use, and protect your personal information in accordance with Australian privacy laws.

Payment Terms

Subscription fees and payment conditions:

• Monthly subscription fee of $250 is due in advance and includes GST where applicable
• Payment methods include direct debit, credit card, or bank transfer as agreed
• Late payment may result in suspension of consultation services until account is current

Termination

Either party may terminate the subscription with 30 days written notice. Immediate termination may occur for material breach of these terms.

Upon termination, access to ongoing consultations ceases, though you retain the right to information provided during active subscription period.

Service Disclaimers

Our consultation services are provided "as is" without warranties of specific outcomes or financial results. Individual results may vary.

We make no warranties regarding the accuracy of market projections or the success of suggested planning strategies.

Limitation of Liability

To the fullest extent permitted by Australian law, our liability for any damages arising from use of our services is limited to the amount paid for the subscription in the preceding 12 months.

We exclude liability for indirect, consequential, or punitive damages arising from financial decisions made based on consultation content.

Indemnification

You agree to indemnify ulivarenqest against claims arising from your use of consultation services or breach of these terms.

Dispute Resolution

We're committed to resolving disputes fairly and efficiently:

Internal Resolution

Initial complaints should be directed to our customer service team for prompt resolution.

External Resolution

Unresolved disputes may be referred to the Australian Financial Complaints Authority (AFCA) for independent mediation.

AFCA Website

Governing Law

These terms are governed by Australian law and the laws of Victoria. Any legal proceedings will be conducted in Victorian courts.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and ulivarenqest regarding use of our services.

Changes to Terms

We may modify these terms with 30 days notice. Continued use of services after changes take effect constitutes acceptance of modified terms.