Terms and Conditions

Acceptance of Terms

By using our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

If you do not agree with any part of these Terms, you must not use our website or services.

Definitions

For the purposes of these Terms, the following definitions apply:

• "Services": refers to our financial planning consultation services, analytical reviews, and related advisory discussions
• "User" or "Client": refers to any person who accesses our website or engages our services
• "Content": refers to all information, text, graphics, and materials available on our website
• "Personal Information": refers to any information that identifies or could identify you as an individual

Service Description

We provide financial planning consultation services including personalized consultations, analytical reviews of market dynamics, and discussions about resource allocation strategies.

Our services are consultative in nature and designed to help clients understand financial planning approaches and market conditions.

Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our services, you represent that you meet these eligibility requirements.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during consultations
• Use our services only for lawful purposes
• Respect our intellectual property rights
• Maintain confidentiality of any login credentials
• Pay all applicable fees in accordance with our pricing terms

Prohibited Uses

You may not use our website or services to:

• Violate any applicable laws or regulations
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Reproduce or distribute our content without permission
• Use our services for any fraudulent or deceptive purposes

Intellectual Property Rights

All content on our website, including text, graphics, logos, and software, is owned by oloyanororeo Financial Planning Pty Ltd and protected by intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without express written permission.

Privacy Policy

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

Payment Terms

Our subscription service is billed monthly at $250 AUD. All fees are inclusive of applicable taxes and charges.

Disclaimers

Our services are provided "as is" without warranties of any kind. We do not guarantee specific outcomes or results from our consultation services. Past performance does not guarantee future results.

Limitation of Liability

To the maximum extent permitted by law, our liability for any damages arising from your use of our services is limited to the amount you have paid for our services in the 12 months preceding the claim.

In no event shall our total liability exceed $1,000 AUD.

Indemnification

You agree to indemnify and hold harmless oloyanororeo Financial Planning Pty Ltd from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

Dispute Resolution

Any disputes arising from these Terms or our services will be resolved through good faith negotiation, followed by mediation if necessary, and finally through binding arbitration under Australian law.

Termination

Either party may terminate the service agreement with 30 days written notice. We reserve the right to terminate services immediately for breach of these Terms.

Upon termination, your access to services will cease, but these Terms will continue to apply to any outstanding obligations.

Governing Law

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

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and oloyanororeo Financial Planning Pty Ltd regarding the use of our services.

Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website.

We will provide reasonable notice of material changes to these Terms.

Contact Information

For questions about these Terms, please contact us: