Terms and Conditions

Acceptance of Terms

By using our service, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions

Continued use of our service constitutes ongoing acceptance of these terms and any updates

Key Definitions

For the purposes of these terms, the following definitions apply

• Service: Monthly financial planning consultations and related support provided through our subscription platform
• Client: Individual or entity subscribing to our financial planning service
• Consultation: Scheduled session providing financial planning guidance and discussion
• Subscription: Monthly recurring payment arrangement for ongoing access to our service

Service Description

We provide monthly financial planning consultations designed to help clients improve their financial decision-making and goal achievement

Our service includes consultation sessions, follow-up communications, and general financial guidance within the scope of our licensing

Client Responsibilities

As a client of our service, you agree to the following responsibilities

• Provide accurate and complete information during consultations
• Attend scheduled consultations or provide reasonable notice for rescheduling
• Make payments according to the agreed subscription terms
• Implement recommendations at your own discretion and risk
• Notify us promptly of any changes affecting your financial situation

Prohibited Activities

The following activities are prohibited when using our service

• Sharing account access or consultation content with unauthorized third parties
• Using our service for any unlawful or fraudulent purposes
• Attempting to reverse engineer or copy our proprietary methods
• Harassing or making unreasonable demands on our staff
• Using information obtained through our service for commercial purposes without permission

Intellectual Property Rights

All content, methods, and materials provided through our service remain our intellectual property

Privacy and Data Protection

Your privacy is important to us and we handle personal information in accordance with Australian privacy law

Please refer to our Privacy Policy for detailed information about data collection and usage Privacy Policy

Payment and Subscription Terms

Our service is provided on a monthly subscription basis with the following terms

• Monthly subscription fee of $250 AUD including GST, charged in advance
• Representative APR of 0% as no credit is extended - payments are due monthly in advance
• Cancellation requires 30 days notice and takes effect at the end of the current billing period

Limitation of Liability

Our liability for any claims related to our service is limited to the maximum extent permitted by law

User Indemnification

You agree to indemnify elumoravianx against claims arising from your use of our service or failure to follow professional recommendations

Dispute Resolution

Any disputes will be resolved according to the following procedures

Service Termination

Either party may terminate the service relationship with appropriate notice

Upon termination, access to future consultations ceases but previous advice provided remains available

Governing Law

These terms are governed by Australian law and the jurisdiction of Australian courts

Severability

If any provision of these terms is found invalid, the remaining provisions continue in full force

Complete Agreement

These terms, together with our Privacy Policy, constitute the complete agreement between parties

Terms Updates

We may update these terms periodically to reflect changes in our service or applicable law

Material changes will be communicated through our website or direct notification to clients

Cookie Questions

For questions about these terms or our service, please contact us using the information provided on our website