Terms and Conditions of Service

Introduction and Acceptance

These Terms and Conditions govern your use of the zenoliravaex financial planning subscription service and website. By accessing our services, you agree to be bound by these terms and all applicable laws and regulations.

If you do not agree with any part of these terms, you should not use our services or access our website.

Definitions and Interpretation

In these Terms and Conditions, the following definitions apply:

• • "Service" refers to the financial planning subscription service provided by zenoliravaex, including consultations, analysis, and related communications
• • "User" or "Client" refers to any individual who subscribes to or uses our financial planning services
• • "Content" includes all information, advice, materials, and communications provided through our service
• • "Account" refers to your subscription account and associated client profile with our service

Service Usage and Acceptable Use

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

Client Responsibilities and Obligations

As a client of our financial planning service, you are responsible for:

• • Providing accurate and complete information about your financial situation and goals
• • Maintaining the confidentiality of your account credentials and personal information
• • Promptly notifying us of any changes in your circumstances that may affect our advice
• • Making your own independent decisions about any financial strategies discussed during consultations
• • Complying with all applicable laws and regulations in your jurisdiction regarding financial activities

Intellectual Property Rights

All content, materials, analysis tools, methodologies, and intellectual property used in our service remain the exclusive property of zenoliravaex and are protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content provided through our service without express written permission.

Privacy and Data Protection

Your privacy is important to us. The collection, use, and protection of your personal information are governed by our Privacy Policy.

By using our services, you also agree to the terms outlined in our Privacy Policy, which forms part of these Terms and Conditions. Privacy Policy

Subscription and Payment Terms

Your subscription to our financial planning service is subject to the following payment conditions:

• • Monthly subscription fees are payable in advance and are non-refundable except as required by Australian Consumer Law
• • Subscription fees include GST where applicable and are charged in Australian dollars
• • We reserve the right to modify subscription pricing with 30 days written notice to existing subscribers
• • Failed payments may result in temporary suspension of services until payment is successfully processed

Service Termination and Cancellation

Either party may terminate the subscription service with appropriate notice as outlined in your subscription agreement.

Upon termination, you will retain access to services until the end of your current billing period, after which access to new consultations and materials will cease.

Service Disclaimers and Limitations

Our financial planning service is provided on an "as is" basis. While we strive to provide high-quality guidance, we make no warranties about specific outcomes or results.

We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement to the extent permitted by law.

Our total liability to you for any claims arising from our service shall not exceed the total amount paid by you for our services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless zenoliravaex, its officers, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, breach of these terms, or violation of any applicable laws.

Dispute Resolution Procedures

We are committed to resolving any disputes fairly and efficiently through the following process:

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of Australia and the state of Victoria. Any legal proceedings shall be subject to the exclusive jurisdiction of the courts of Melbourne, Australia.

Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect, and the invalid provision shall be replaced with a valid provision that most closely reflects the original intent.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any subscription agreement, constitute the entire agreement between you and zenoliravaex regarding your use of our services, superseding any prior agreements or understandings.

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Material changes will be effective 30 days after notification to subscribers.

We will notify you of any changes through email or prominent website notice. Continued use of our services after the effective date constitutes acceptance of the modified terms.

Contact Information for Legal Matters

For questions about these Terms and Conditions or legal matters, please contact us: