Terms and Conditions

Introduction and Agreement

These Terms and Conditions govern your use of iomursiloouevo Financial Planning's consultation services and website. By accessing our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. Your continued use constitutes acceptance of any updates or modifications to these terms.

Important Definitions

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

• • "Service" refers to our financial planning consultation, monthly subscription plans, and related support provided through our platform
• • "User" or "Client" means any individual who subscribes to or uses our consultation services
• • "Content" includes all information, materials, resources, and communications provided through our service platform
• • "Agreement" refers to these Terms and Conditions, along with our Privacy Policy and any other applicable policies

Acceptable Use of Our Services

Your use of our consultation services is subject to the following guidelines and restrictions:

Permitted Uses

• • Accessing consultation sessions and support materials for personal financial planning purposes
• • Communicating with our team regarding your subscription and consultation needs
• • Utilizing provided resources and guidance for your individual financial organization

Prohibited Activities

• • Sharing your subscription access or consultation materials with unauthorized third parties
• • Using our service for any unlawful purposes or fraudulent activities
• • Attempting to reverse-engineer, copy, or distribute our proprietary methods or content
• • Interfering with the normal operation of our platform or other users' access to services

Your Responsibilities as a Client

As a user of our consultation services, you agree to the following responsibilities:

• • Provide accurate and complete information necessary for effective consultation services
• • Maintain the confidentiality of your account credentials and promptly report any unauthorized access
• • Pay subscription fees on time and notify us promptly of any billing issues or changes
• • Respect our staff and comply with all applicable laws when using our services

Intellectual Property Rights

All content, methods, materials, and resources provided through our service remain the exclusive intellectual property of iomursiloouevo Financial Planning, protected by Australian and international copyright laws.

We grant you a limited, non-transferable license to use our consultation materials solely for your personal financial planning purposes during your active subscription period.

Privacy and Data Protection

Your privacy is important to us, and our collection and use of personal information is governed by our comprehensive Privacy Policy, which forms an integral part of this agreement.

Payment and Subscription Terms

Your subscription to our consultation services is subject to the following payment conditions:

• • Monthly subscription fees of $250 are due in advance and will be automatically charged to your selected payment method
• • All fees are quoted in Australian dollars and include applicable GST as required by law
• • You may cancel your subscription at any time with 30 days' written notice, but fees already paid are non-refundable

Service Disclaimers and Limitations

Your use of our consultation services is subject to the following important disclaimers:

We provide consultation services on an "as-is" basis without warranties of any kind, express or implied, regarding specific outcomes or results from our guidance.

Limitation of Liability

To the fullest extent permitted by Australian law, iomursiloouevo Financial Planning's liability for any claims related to our services is limited to the amount of subscription fees paid in the twelve months preceding the claim.

We shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our consultation services or implementation of our guidance.

User Indemnification

You agree to indemnify and hold harmless iomursiloouevo Financial Planning from any claims, damages, or expenses arising from your violation of these terms, misuse of our services, or decisions made based on our consultation guidance.

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through the following process:

Termination of Services

Either party may terminate the service relationship with 30 days' written notice. We reserve the right to terminate services immediately for violations of these terms or non-payment of subscription fees.

Upon termination, your access to consultation services and materials will cease, though these terms will survive termination for applicable provisions.

Governing Law and Jurisdiction

These terms are governed by the laws of Victoria, Australia, and any legal proceedings shall be conducted in the appropriate courts of Melbourne, Victoria.

Severability of Terms

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

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and iomursiloouevo Financial Planning regarding our services.

Modifications to Terms

We may update these terms periodically to reflect changes in our services or legal requirements. We will notify users of significant changes through email or website notices.

Your continued use of our services after term modifications constitutes acceptance of the updated agreement.

Contact Information for Terms Questions

If you have questions about these Terms and Conditions, please contact us: