Terms and Conditions of Service

Acceptance of Terms

By accessing our website, booking consultations, or subscribing to our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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

Important Definitions

For clarity, the following terms have specific meanings throughout these Terms and Conditions

• Service: Our subscription-based financial planning consultation service, including monthly planning sessions, resource materials, and ongoing guidance support
• Consultation: Individual or group planning sessions focused on budgeting guidance, financial goal setting, and general money management strategies
• Subscriber: Any individual or entity who has enrolled in our monthly subscription service and receives regular planning consultations
• Platform: Our website, mobile applications, and any digital tools used to deliver our financial planning services and consultations

Appropriate Use of Our Service

Our financial planning service is designed to provide general guidance and consultation support. Please use our service responsibly and in accordance with these guidelines

Permitted Uses

• Participating in scheduled consultations and planning sessions as part of your subscription
• Accessing planning resources, guides, and materials provided through our platform
• Communicating with our consultants about general financial planning topics and strategies

Prohibited Uses

• Using our service for illegal activities, fraud, or misrepresenting your financial situation
• Sharing consultation access credentials with unauthorized persons or accessing others' consultation materials
• Attempting to reverse-engineer, copy, or redistribute our proprietary planning materials and consultation methods
• Using our service to harass consultants, other clients, or engage in disruptive behavior during sessions

Your Responsibilities as a Subscriber

To ensure effective consultations and maintain service quality, subscribers have certain responsibilities

• Providing accurate information about your financial situation and planning goals during consultations
• Attending scheduled consultation sessions or providing adequate notice for rescheduling requests
• Maintaining confidentiality of login credentials and promptly reporting any security concerns
• Understanding that our consultations provide general guidance rather than specific financial product recommendations

Intellectual Property Rights

All content on our platform, including consultation materials, planning guides, worksheets, and proprietary methodologies, are protected by Australian copyright and intellectual property laws.

You may use our materials for personal financial planning purposes but may not reproduce, distribute, or commercialize our content without explicit written permission.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information during consultations and service delivery. Privacy Policy

Service Disclaimers and Warranties

Our financial planning consultations are provided for informational and guidance purposes only. We make no guarantees about specific financial outcomes or results from implementing strategies discussed during sessions.

Limitation of Liability

To the maximum extent permitted by Australian law, Druvenoxalir shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of our consultation service.

Our total liability for any claims related to our service shall not exceed the amount you paid for subscription fees in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Druvenoxalir from any claims, damages, or expenses arising from your misuse of our service, violation of these terms, or implementation of planning strategies without appropriate professional advice.

Dispute Resolution

We prefer to resolve disputes through direct communication and good faith negotiation

Service Termination

You may cancel your subscription at any time through your account settings or by contacting our support team. Cancellation takes effect at the end of your current billing period.

We reserve the right to suspend or terminate service for violation of these terms, non-payment, or behavior that disrupts our service delivery to other clients.

Governing Law and Jurisdiction

These Terms and Conditions are governed by Australian law, and any legal proceedings shall be conducted in the courts of Victoria, Australia.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Druvenoxalir regarding your use of our financial planning services.

Updates to Terms and Conditions

We may update these terms periodically to reflect changes in our service, legal requirements, or business practices. Material changes will be communicated via email or prominent website notice.

Your continued use of our service after changes take effect constitutes acceptance of the updated terms.

Contact Information for Terms Questions

If you have questions about these Terms and Conditions or need clarification about any provision, please contact us at contact@druvenoxalir.com or +61 627 550 632.