Terms and Conditions

By accessing our website or subscribing to our services, you agree to be bound by these terms and conditions, our privacy policy, and all applicable laws and regulations.

If you do not agree with any of these terms, you should not use our website or services. Your continued use constitutes acceptance of any updates or modifications to these terms.

Our monthly subscription service provides access to financial planning consultations, analytical reviews, and ongoing support. Services are designed to help you understand various financial planning approaches and concepts.

We do not provide regulated financial advice, manage funds, or execute transactions. Our consultations are educational and exploratory in nature, designed to complement professional advice from licensed practitioners.

As a subscriber, you agree to:

• Provide accurate and complete information during consultations
• Use services for personal financial planning purposes only
• Maintain confidentiality of your account credentials
• Comply with all applicable laws and regulations
• Seek professional advice before making significant financial decisions

You may not use our services or website to:

• Provide false or misleading information
• Attempt unauthorized access to our systems or other user accounts
• Use automated systems to access our services without permission
• Violate any applicable laws or regulations

All content, materials, and resources provided through our services are protected by Australian copyright law and remain the property of aryllunoojeli Financial Planning Pty Ltd.

You may use our content for personal reference only. Reproduction, distribution, or commercial use without written permission is prohibited.

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

To the maximum extent permitted by Australian law, we exclude all liability for direct, indirect, incidental, or consequential damages arising from your use of our services.

Our total liability for any claims related to our services shall not exceed the amount you paid for your subscription in the 12 months preceding the claim.

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

Dispute Resolution

Disputes will be resolved through good faith negotiation first, followed by mediation or arbitration under Australian dispute resolution procedures if necessary.

Alternative Dispute Resolution

We participate in alternative dispute resolution schemes for consumer matters as required by Australian Consumer Law.

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of your current billing period.

We reserve the right to suspend or terminate accounts for violations of these terms or suspected fraudulent activity.

These terms are governed by the laws of Australia, and any disputes will be subject to the exclusive jurisdiction of Australian courts.

We may modify these terms at any time. Material changes will be communicated via email or website notice at least 30 days before taking effect.

Your continued use of our services after changes take effect constitutes acceptance of the modified terms.

If any provision of these terms is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.

These terms, together with our privacy policy and disclaimer, constitute the complete agreement between you and aryllunoojeli Financial Planning Pty Ltd regarding use of our services.

For questions about these terms or our services, please contact us using the information provided below.