Terms and Conditions

In these terms, the following words have specific meanings:

• "Service" refers to our monthly financial planning consultation and analytical review subscription
• "User" or "Client" means any person who accesses our website or uses our services
• "Company," "we," "us," or "our" refers to cavonmiradaria Financial Planning
• "Content" includes all information, text, graphics, and materials on our website

Our financial planning service is subject to the following conditions:

Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding agreements to use our services.

Your Responsibilities

• Provide accurate and complete information during consultations
• Pay subscription fees on time according to your chosen plan
• Use our service only for lawful purposes related to personal financial planning

You may not use our service to:

• Engage in any fraudulent, abusive, or illegal activity
• Share your account access with unauthorized third parties
• Attempt to disrupt or interfere with our website's functionality
• Use our content for commercial purposes without written permission
• Violate any applicable laws or regulations

All content on our website, including text, graphics, logos, and software, is owned by us or our licensors and protected by copyright and other intellectual property laws.

You may use our content for personal, non-commercial purposes only. Any unauthorized reproduction or distribution is strictly prohibited.

Our trademarks and service marks may not be used without our prior written consent.

You retain ownership of any information or materials you provide to us during consultations.

By sharing information with us, you grant us permission to use it solely for providing our financial planning services to you.

You are responsible for ensuring that any information you provide is accurate and does not violate third-party rights.

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Privacy Policy

Our consultations provide general guidance and analytical reviews but do not constitute specific financial advice for your unique circumstances.

We make no guarantees about specific outcomes or results from using our service. Individual results may vary significantly.

To the maximum extent permitted by Australian law, our liability is limited to the amount you paid for our services in the 12 months preceding any claim.

We are not liable for any indirect, incidental, special, or consequential damages arising from your use of our service.

Some jurisdictions do not allow certain liability limitations, so these restrictions may not apply to you.

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.

Arbitration

Any disputes arising from these terms or our service will be resolved through binding arbitration under Australian commercial arbitration rules.

You waive your right to participate in class action lawsuits or jury trials.

Alternative Dispute Resolution

We are committed to resolving disputes fairly and may participate in industry ombudsman schemes.

Governing Law

These terms are governed by Australian law, and any legal proceedings will be conducted in Australian courts.

You may cancel your subscription at any time by contacting us. Cancellation takes effect at the end of your current billing period.

We may terminate your access to our service if you violate these terms or engage in prohibited conduct.

Upon termination, your right to use our service ends immediately, but these terms remain in effect for matters occurring before termination.

We may modify these terms at any time to reflect changes in our service, legal requirements, or business practices.

We'll notify you of significant changes by email or through our website. Continued use of our service constitutes acceptance of modified terms.

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

These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between us regarding your use of our service.

If you have questions about these terms, please contact us: