Terms and conditions of subscription service

These terms govern your use of our subscription-based financial planning service. Please review them carefully before subscribing. By using our service, you agree to these terms, applicable as of September 29, 2025.

September 29, 2025

Acceptance of terms

By accessing or subscribing to our service, you confirm that you have read, understood, and agreed to these terms. If you do not accept or understand any part, do not use the service. We may update the terms, and continued use indicates acceptance of changes.

Definitions

Key terms used in these terms and conditions are defined below for clarity.

• "Service" refers to the subscription-based financial planning provided by our advisory team.
• "Client" or "you" means any individual or entity subscribing to or using our services.
• "Subscription" means the recurring monthly fee for access to our planning and support.
• "Advisor" refers to the professionals providing consultations and support.

Use of service

Our service is intended for general financial planning and advisory purposes. It does not provide investment, tax, legal, or education products. All consultations are included within your subscription fee.

Eligibility

You must be at least 18 years old and reside in Australia to subscribe. Use of the service in other jurisdictions is at your own risk and responsibility.

Service is not available to minors.

User responsibilities

Clients are expected to provide accurate information and use the service lawfully.

• Provide truthful and accurate details during registration and consultations.
• Keep your account credentials secure and confidential.
• Use the service only for lawful purposes in accordance with Australian law.
• Notify us promptly of any unauthorised use or security concerns.

Prohibited uses

You may not use this service for any unlawful or prohibited activities.

• Engage in fraudulent, misleading, or deceptive conduct.
• Attempt to interfere with or disrupt the service or website.
• Use the service to provide unauthorised financial advice or products.
• Post or transmit unlawful, harmful, or offensive content.
• Infringe on intellectual property rights of us or any third party.

Intellectual property rights

All content, branding, and materials on this website are owned or licensed by us. You may not copy, distribute, or use any materials without our prior written consent. Trademarks and logos appearing on the site are protected by Australian law.

User content

You are responsible for any content you submit. We reserve the right to remove or modify content at our discretion.

Privacy and data protection

We handle your personal data according to our Privacy Policy. Please review it for details on collection, use, and protection of your information. Your use of the service indicates acceptance of our privacy practices. Read Privacy Policy

Disclaimers and limitations

Our service is provided for general planning purposes. We do not guarantee specific outcomes. Results may vary based on individual situations.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any losses or damages arising from your use of the service.

Indemnification

You agree to indemnify us against claims or losses resulting from your improper use of the service or your breach of these terms.

Dispute resolution and complaints

If you have a concern or dispute, please contact us first so we can resolve the issue promptly.

Applicable law and jurisdiction

These terms are governed by the laws of Australia. Disputes are subject to Australian courts.

Termination

We may suspend or terminate your subscription if you breach these terms. You may also cancel your subscription at any time, subject to notice requirements.

Changes

We may update these terms as required. Continued use of the service means you accept any changes.

Severability

If a provision is found invalid, the rest remain in full effect.

Entire agreement

These terms, along with our Privacy Policy and Disclaimer, constitute the full agreement between you and us.

How to contact us

For questions about these terms or your subscription, contact our team.