Terms and Conditions

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

This agreement becomes effective upon your first use of our services and remains in effect until terminated.

For clarity, the following terms have specific meanings in this agreement:

• "Service" refers to our monthly financial planning consultation subscriptions
• "User" means any individual who accesses or uses our consultation services
• "Content" includes all information, advice, and materials provided during consultations
• "Company" refers to ivaronenovia and its authorized representatives

Service Eligibility

Our services are available to individuals aged 18 and older who can enter into legally binding contracts under Australian law.

18+ only

User Responsibilities

You are responsible for maintaining accurate account information, attending scheduled consultations, and implementing discussed strategies at your own discretion.

Acceptable Use Policy

You agree to use our services only for lawful purposes and in accordance with these terms and applicable Australian regulations.

The following activities are strictly prohibited when using our services:

• Providing false or misleading information about your financial situation
• Attempting to obtain advice outside the scope of our consultation services
• Recording consultations without prior written consent
• Using our services for illegal activities or fraud
• Sharing login credentials or allowing unauthorized access to your account

All content on this website, including text, graphics, logos, and software, is the property of ivaronenovia and protected by Australian and international copyright laws.

We grant you a limited, non-exclusive license to use our services for personal financial planning purposes only.

By sharing information during consultations, you grant us permission to use this information to provide our services effectively.

Our collection and use of personal information is governed by our Privacy Policy, which forms part of these terms.

Our consultation services are provided "as is" without warranties regarding specific financial outcomes or results.

We make no guarantees about the success of any financial strategies discussed during consultations.

Our liability is limited to the maximum extent permitted by Australian Consumer Law and applicable financial services regulations.

In no event shall our total liability exceed the amount paid for services in the 12 months preceding any claim.

You agree to indemnify us against any claims arising from your use of our services or violation of these terms.

Dispute Resolution

Disputes will be resolved through good faith negotiation, mediation, or arbitration in accordance with Australian commercial arbitration rules.

International Disputes

International clients may access appropriate cross-border dispute resolution mechanisms where applicable.

International Dispute Resolution

Either party may terminate the service relationship with 30 days written notice. Termination does not affect already scheduled consultations.

Certain provisions including intellectual property, limitation of liability, and dispute resolution survive termination.

Australian Consumer Law and relevant financial services regulations apply to our services where applicable.

We may modify these terms at any time with notice. Continued use of services constitutes acceptance of modified terms.

Material changes will be communicated via email and posted on our website at least 30 days before taking effect.

If any provision is found unenforceable, the remaining terms continue in full force and effect.

These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between parties.

Contact us with any questions about these terms and conditions using the information provided elsewhere on this website.