Terms and Conditions

These terms and conditions govern your use of our website and financial planning subscription service. By accessing our website or subscribing to our services, you agree to comply with and be bound by these terms.

Your use of our service constitutes acceptance of these terms. If you do not agree with any part of these terms, please do not use our website or services.

Definitions

For the purposes of these terms:

  • "Service" refers to our financial planning subscription service and website
  • "User" or "You" refers to anyone who accesses or uses our service
  • "Content" includes all information, text, graphics, and materials on our website
  • "Agreement" refers to these terms and conditions and our privacy policy

Use of Service

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

Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use our service. By using our service, you represent that you meet these requirements.

User Responsibilities

As a user of our service, you agree to:

  • Provide accurate and complete information during registration and consultations
  • Maintain the confidentiality of your account credentials and notify us of unauthorized access
  • Use the service only for lawful purposes and in accordance with these terms
  • Respect intellectual property rights and not reproduce our content without permission
  • Pay subscription fees promptly and maintain current payment information

Prohibited Uses

You may not use our service to:

  • Violate any applicable laws or regulations
  • Transmit harmful, fraudulent, or misleading information
  • Interfere with or disrupt the service or servers
  • Attempt to gain unauthorized access to other user accounts or our systems
  • Use automated systems to access the service without permission

Intellectual Property

All content, trademarks, and intellectual property on our website and service remain our exclusive property or that of our licensors. You may not use, copy, or distribute our intellectual property without written permission, except for personal, non-commercial use of our service.

Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of this agreement. Please review our Privacy Policy to understand our data practices. Privacy Policy

Payment Terms

Our financial planning subscription service operates under the following payment terms:

Monthly subscription fees of $250 AUD are charged in advance each billing period. All prices include GST where applicable. Payment is processed automatically using your chosen payment method. You may cancel your subscription at any time with one month's notice.

Refunds are considered on a case-by-case basis within 14 days of initial subscription signup. No refunds are provided for partial months of service.

Disclaimers

Our service provides general financial planning guidance and consultation. We do not guarantee specific financial outcomes or results. All financial decisions remain your responsibility. Results may vary based on individual circumstances and market conditions.

Our service is provided "as is" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our service. Our total liability shall not exceed the amount you paid for our service in the 12 months preceding any claim.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our service or violation of these terms.

Dispute Resolution

Any disputes arising from these terms or our service shall be resolved as follows:

Arbitration

Disputes shall first be addressed through good faith negotiation. If unresolved, disputes may be subject to binding arbitration under Australian commercial arbitration rules.

Arbitration proceedings shall be conducted in accordance with the Australian Centre for International Commercial Arbitration rules.

Alternative Dispute Resolution

We participate in alternative dispute resolution procedures for consumer complaints through the Australian Financial Complaints Authority (AFCA).

International clients may access relevant consumer protection and dispute resolution platforms in their jurisdiction. Learn more about dispute resolution

Termination

Either party may terminate the service agreement with one month's written notice. We may immediately terminate or suspend your access if you violate these terms or engage in fraudulent activity. Upon termination, your access to the service will cease, though certain provisions of these terms will survive termination.

Governing Law

This disclaimer shall be governed by and construed in accordance with the laws of Australia

Severability

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

Entire Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between you and telorveriherio Financial Planning Services regarding use of our service.

Changes to Terms

We may modify these terms at any time by posting updated terms on our website. Changes become effective 30 days after posting. Your continued use of our service after changes take effect constitutes acceptance of the modified terms.

Contact Information

For questions about these terms and conditions, please contact us:

Company:: telorveriherio

Address:: 145 Collins Street, Melbourne VIC 3000, Australia

Email:: contact@telorveriherio.world

Phone:: +61 920-667-568

Last updated: September 10, 2025

Terms Version: 2.1 - Effective October 4, 2025