Terms and Conditions

Introduction

These Terms and Conditions govern your use of Theronivalys's financial planning consultation services

By using our services, you agree to be bound by these terms

Definitions

For the purposes of these Terms and Conditions

  • "Services": Our financial planning consultation and advisory services
  • "Client" or "You": The individual or entity using our services
  • "Company" or "We": Theronivalys Financial Planning Pty Ltd
  • "Agreement": These Terms and Conditions and any related service agreements

Service Description

We provide financial planning consultation services including analysis, recommendations, and ongoing advisory support

Our services are consultative in nature and do not include direct management of funds or securities

Eligibility

To use our services, you must meet the following requirements

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding agreements
  • Provide accurate and complete information during the consultation process

Your Responsibilities

As a client, you agree to

  • Provide accurate and complete financial information
  • Disclose all relevant circumstances affecting your financial situation
  • Make your own decisions based on our recommendations
  • Keep your contact information current
  • Pay all fees as agreed

Prohibited Uses

You may not use our services to

  • Engage in any illegal or fraudulent activities
  • Provide false or misleading information
  • Attempt to gain unauthorized access to our systems
  • Use our services for any purpose other than personal financial planning
  • Reproduce or distribute our proprietary materials without permission

Intellectual Property

All content, materials, and intellectual property related to our services remain our exclusive property

Copyright: All written materials, reports, and recommendations are protected by copyright

Trademarks: Our company name, logo, and service marks are our registered trademarks

Limited License: We grant you a limited, non-exclusive license to use materials provided solely for your personal financial planning

Payment Terms

The following payment terms apply to our services

  • Payment Methods: We accept major credit cards, bank transfers, and other approved payment methods
  • Billing Cycle: Monthly subscription fees are billed in advance on the same date each month
  • Refunds: Refunds are provided at our discretion and subject to specific terms and conditions
  • Cancellation: You may cancel your subscription at any time with 30 days written notice

Privacy and Data Protection

We collect and use your personal information in accordance with our Privacy Policy

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

Disclaimers

The following disclaimers apply to all our services

No Warranties: We provide our services "as is" without any express or implied warranties

Service Availability: Services are provided on an "as available" basis and may be interrupted or unavailable

No Guarantee of Results: We make no guarantees about specific financial outcomes or results from our recommendations

Limitation of Liability

Our liability is limited to the maximum extent permitted by Australian law

In no event shall our total liability exceed the amount paid for services in the preceding 12 months

Indemnification

You agree to indemnify us against any claims arising from your use of our services or breach of these terms

Dispute Resolution

Any disputes arising from these terms will be resolved through the following process

Dispute Resolution Process

We encourage resolution of disputes through direct communication and mediation

  • Initial disputes should be addressed through our customer service process
  • Unresolved disputes may be subject to mediation or arbitration
  • Legal proceedings are subject to Australian jurisdiction

Financial Complaints Authority

Financial service complaints may be referred to the Australian Financial Complaints Authority

Visit the AFCA website for complaint resolution services www.afca.org.au

Termination

Either party may terminate this agreement under the following circumstances

  • Breach of these terms and conditions
  • Non-payment of fees after notice
  • For convenience with appropriate notice

Governing Law

These terms are governed by Australian law and subject to Australian court jurisdiction

Entire Agreement

These terms constitute the complete agreement between parties unless modified in writing

Changes to Terms

We reserve the right to modify these terms with appropriate notice to clients

Significant changes will be communicated via email or website notice

Contact Information

For questions about these terms, please contact us using the provided contact information

Email: contact@theronivalys.com

Phone: +61 648-731-249

Address: 123 Collins Street, Melbourne VIC 3000

September 5, 2025

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