Terms & Conditions

Agreement to Terms

These Terms & Conditions govern your use of plarivenoqthu financial planning services and website. By accessing our services, you agree to be bound by these terms.

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

Definitions

For the purposes of these Terms & Conditions, the following definitions apply:

  • Services: Financial planning consultations, advice, and related professional services provided by plarivenoqthu
  • Client: Any individual or entity that engages our services under a subscription agreement
  • Subscription: The monthly recurring payment arrangement for ongoing access to our financial planning services
  • Confidential Information: All financial, personal, and business information shared during our professional relationship

Service Usage Terms

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

Permitted Uses

  • Accessing consultations and advice for legitimate financial planning purposes
  • Using provided materials and recommendations for personal financial decisions
  • Communicating with our team through designated channels

Your Responsibilities

As a client, you agree to the following responsibilities:

  • Provide accurate and complete financial information
  • Maintain confidentiality of any proprietary planning methodologies shared
  • Pay subscription fees promptly according to agreed terms
  • Notify us of material changes to your financial circumstances

Prohibited Activities

You agree not to engage in any of the following activities:

  • Share or redistribute our proprietary planning materials without permission
  • Use our services for any unlawful financial activities
  • Misrepresent your identity or financial situation
  • Interfere with or disrupt our service provision
  • Reverse engineer or copy our planning methodologies

Intellectual Property Rights

All content, materials, planning templates, and methodologies provided through our services remain the exclusive property of plarivenoqthu and are protected by Australian intellectual property laws.

You receive a limited, non-transferable license to use provided materials solely for your personal financial planning purposes

Privacy and Data Handling

Our collection and use of your personal information is governed by our Privacy Policy dated September 14, 2025, which forms part of these terms.

Please review our Privacy Policy for detailed information about our data practices Privacy Policy

Payment Terms

The following payment terms apply to your subscription:

Monthly subscription fee of $250 (including GST) charged in advance

Payment due on the same date each month from your start date

30 days written notice required for subscription cancellation

Limitation of Liability

Our liability for any claims arising from our services is limited to the amount of fees paid by you in the 12 months preceding the claim.

Professional Service Disclaimer

Past performance does not guarantee future results. All financial planning involves risk and individual results may vary based on personal circumstances and market conditions

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently:

Internal Resolution Process

We encourage direct communication to resolve concerns. Most issues can be addressed through discussion with your assigned planning professional.

If direct resolution is unsuccessful, disputes will be handled according to Australian dispute resolution procedures

External Dispute Resolution

For unresolved complaints, you may contact the Australian Financial Complaints Authority (AFCA).

AFCA provides free, independent dispute resolution services for financial service providers.: Visit www.afca.org.au for more information

Termination of Services

Either party may terminate the subscription with 30 days written notice. We reserve the right to suspend services for non-payment or breach of these terms.

Upon termination, access to ongoing consultations will cease, though completed planning materials remain available to you

Governing Law

Australian Consumer Law and applicable state and territory legislation

Changes to These Terms

We may modify these terms periodically to reflect changes in our services or legal requirements. Updated terms will be posted on our website.

Continued use of our services following changes constitutes acceptance of updated terms

Severability

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

Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any signed service agreements, constitute the complete agreement between you and plarivenoqthu.

Contact Information

For questions about these Terms & Conditions, please contact us:

Company: plarivenoqthu

Email: contact@plarivenoqthu.com

Phone: +61-916-001-518

Address: 123 Collins Street, Melbourne VIC 3000, Australia

Effective Date: August 16, 2025

Last updated: August 16, 2025