Terms and Conditions of Service
Introduction and Acceptance
These Terms and Conditions govern your use of pavinlyrararia Financial Planning Services and our subscription-based consultation services.
By accessing our website or using our services, you agree to be bound by these terms and our Privacy Policy.
Definitions and Interpretations
The following terms have specific meanings throughout this agreement:
- Service refers to our financial planning consultation and analytical review services provided through monthly subscription.
- User, Client, or You refers to any individual or entity using our services or accessing our website.
- Company, We, Us, or Our refers to pavinlyrararia Financial Planning Services Pty Ltd.
- Content includes all text, images, data, and materials provided through our services or website.
Service Usage and Conduct
Your use of our services is subject to the following terms:
Permitted Uses
- Access and use our consultation services for personal financial planning purposes
- Communicate with our consultants through approved channels
- Receive and use consultation materials and recommendations for personal reference
Prohibited Activities
- Sharing consultation materials or recommendations with third parties for commercial purposes
- Using our services for illegal activities or fraudulent purposes
- Attempting to access unauthorized areas of our systems or services
- Interfering with other users' access to or use of our services
Your Responsibilities
As a client, you are responsible for:
- Providing accurate and complete information about your financial situation
- Maintaining the confidentiality of your account information and login credentials
- Paying subscription fees according to the agreed schedule
- Following applicable laws and regulations in your jurisdiction
Intellectual Property Rights
All content, materials, and intellectual property provided through our services remain the property of pavinlyrararia Financial Planning Services or our licensors.
You may not reproduce, distribute, or create derivative works from our proprietary content without written permission.
Privacy and Data Protection
Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy.
Please review our Privacy Policy for detailed information about our data practices. Privacy Policy
Payment Terms and Billing
Subscription fees are charged monthly in advance and are subject to the following conditions:
- Monthly subscription fee of $250 AUD plus applicable GST
- Payments are processed on the same date each month from your chosen payment method
- Failed payments may result in suspension of services until payment is resolved
Termination of Services
Either party may terminate the subscription service with 30 days written notice. We may terminate immediately for breach of these terms.
Upon termination, your access to consultation services will cease, but you retain access to previously provided materials.
Service Disclaimers
Our services are provided "as is" without warranties of any kind, whether express or implied.
We do not warrant that our services will be uninterrupted, error-free, or meet all your requirements.
Individual results may vary. We do not guarantee specific financial outcomes from our consultation services.
Limitation of Liability
Our total liability for any claims arising from our services shall not exceed the amount paid for services in the 12 months preceding the claim.
We exclude liability for indirect, incidental, consequential, or punitive damages to the fullest extent permitted by law.
Dispute Resolution
We are committed to resolving disputes fairly and efficiently through the following mechanisms:
Arbitration Process
Disputes that cannot be resolved through direct negotiation may be submitted to binding arbitration under Australian commercial arbitration rules.
Online Dispute Resolution
International clients may access online dispute resolution platforms for cross-border disputes.
Indemnification
You agree to indemnify pavinlyrararia Financial Planning Services against claims arising from your breach of these terms or misuse of our services.
Governing Law and Jurisdiction
All disputes shall be resolved in accordance with the laws of Australia, and you consent to the jurisdiction of Australian courts.
Changes to Terms
We may modify these terms at any time. Significant changes will be communicated through email or website notice.
Continued use of our services after changes constitutes acceptance of the modified terms.
Severability
If any provision of these terms is found unenforceable, the remaining provisions will continue in full effect.
Entire Agreement
These terms, together with our Privacy Policy and any service-specific agreements, constitute the complete agreement between you and pavinlyrararia Financial Planning Services.
Contact for Terms Questions
If you have questions about these Terms and Conditions, please contact us using the information provided in our contact section.
Last updated on:: August 31, 2025