Terms and Conditions of Service

By subscribing to our service or using our website, you agree to be bound by these terms and conditions.

This agreement creates a legally binding contract between you and Yoranthesiluv Financial Planning Services Pty Ltd.

We provide monthly financial planning consultation services through a subscription model. Our services include personalized consultations, analytical reviews, and discussions about financial planning approaches tailored to your circumstances.

Services are provided subject to availability and may be modified with reasonable notice. We reserve the right to refuse service in certain circumstances.

As a subscriber, you agree to the following obligations:

• Provide accurate and complete information during consultations and registration
• Maintain the confidentiality of your account access information
• Use our services only for lawful purposes and in accordance with these terms
• Pay all subscription fees and charges on time as specified
• Notify us promptly of any changes to your contact or billing information

You may not use our services for any of the following purposes:

• Reselling, redistributing, or commercially exploiting consultation content
• Attempting to gain unauthorized access to our systems or other user accounts
• Violating any applicable laws or regulations during service use
• Harassing, threatening, or abusing our staff or other service users
• Using our services to engage in fraudulent or deceptive practices

All content, materials, and consultation methodologies provided through our service remain our intellectual property. You may not reproduce, distribute, or create derivative works without written permission.

All content, designs, logos, and materials on this website are protected by Australian copyright law and international treaties. Unauthorized reproduction is prohibited.

We collect and process personal information as described in our Privacy Policy, which forms part of these terms.

Please review our Privacy Policy for detailed information about data collection, use, and protection practices. Privacy Policy

Our subscription service operates on the following payment terms:

• Monthly subscription fees of $250 AUD are charged in advance each billing cycle
• All prices include applicable GST and are processed in Australian dollars
• Payment methods accepted include major credit cards and direct bank transfer

You may cancel your subscription at any time with 30 days written notice. Cancellation becomes effective at the end of your current billing period.

Refunds are available for unused consultation sessions within your current billing period, calculated on a pro-rata basis. Processing fees may apply.

Our liability is limited to the maximum extent permitted by Australian Consumer Law. We are not liable for indirect, consequential, or punitive damages arising from service use.

Services are provided "as is" without warranties of any kind, except those required by Australian Consumer Law for consumer guarantees.

You agree to indemnify us against claims arising from your breach of these terms or misuse of our services.

We encourage resolving disputes through direct communication first. For formal dispute resolution:

Dispute Resolution Process

Unresolved disputes will be handled through mediation or arbitration in accordance with Australian commercial dispute resolution procedures.

External Resolution Services

Eligible consumers may access external dispute resolution through authorized Australian financial services dispute resolution schemes.

Additional information available through the Australian Financial Complaints Authority (AFCA) at afca.org.au.: Australian Financial Ombudsman Service

These terms are governed by the laws of New South Wales, Australia. Australian courts have exclusive jurisdiction over any disputes arising from these terms.

We may terminate or suspend services immediately for breach of these terms, non-payment, or other reasonable cause with appropriate notice.

Provisions regarding liability, intellectual property, and dispute resolution survive termination of the service agreement.

We may modify these terms with reasonable notice posted on our website. Material changes will be communicated directly to active subscribers.

Continued use of services after term modifications constitutes acceptance of the updated agreement.

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

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Yoranthesiluv regarding our services.

For questions about these terms or service issues, contact us at info@yoranthesiluv.com or +61 2 2147 4021.