Terms and Conditions

Service Agreement

These Terms and Conditions govern your use of ravalenthosiq financial planning subscription services and establish the legal relationship between you and our company.

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

Definitions

For the purposes of this agreement, the following terms have these meanings:

• • Service refers to the financial planning subscription offering provided by ravalenthosiq
• • User refers to any individual who subscribes to or uses our services
• • Content includes all information, materials, and resources provided through our platform
• • Agreement refers to these Terms and Conditions and any related policies

Service Description

Our subscription service provides monthly financial planning consultations, ongoing support, and access to planning resources for a fixed monthly fee of $250 including GST.

Services are provided subject to availability and may be modified or discontinued with reasonable notice.

Eligibility Requirements

Our services are available to Australian residents aged 18 and over who can legally enter into binding agreements.

Users must provide accurate age verification and meet all applicable legal requirements for financial services.

User Obligations

As a service user, you agree to:

• • Provide accurate and complete information for planning purposes
• • Maintain the confidentiality of your account credentials
• • Use services only for lawful purposes and personal financial planning
• • Notify us promptly of any changes to your circumstances
• • Respect intellectual property rights and confidentiality obligations

Prohibited Activities

Users are strictly prohibited from:

• • Sharing account access with unauthorised third parties
• • Using services for illegal activities or fraud
• • Attempting to reverse engineer or copy our proprietary systems
• • Harassing or inappropriate behaviour towards staff members
• • Misrepresenting your identity or financial circumstances
• • Using our platform to promote competing services or products

Intellectual Property

All content, materials, and intellectual property remain the exclusive property of ravalenthosiq and its licensors.

Users receive a limited, non-transferable license to access and use our services for personal purposes only.

Privacy Protection

Your privacy rights and our data practices are detailed in our Privacy Policy, which forms part of this agreement. Privacy Policy

Payment and Billing

Subscription fees of $250 per month including GST are billed monthly in advance. Payment is due within 7 days of invoice date. Representative APR varies based on payment method.

Refunds may be provided at our discretion for unused services within the current billing period.

Service Disclaimers

Services are provided on an as-is basis without warranties of any kind, express or implied.

We disclaim all warranties regarding service availability, accuracy, or fitness for particular purposes.

Liability Limitations

Our total liability for any claims is limited to the amount paid for services in the preceding 12 months.

We exclude liability for indirect, consequential, or special damages to the fullest extent permitted by law.

User Indemnification

Users agree to indemnify and hold harmless ravalenthosiq from any claims arising from their use of services or breach of these terms.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently:

Agreement Termination

Either party may terminate this agreement with 30 days written notice. We may terminate immediately for breach of terms.

Upon termination, access to services will cease and certain provisions will survive termination.

Governing Law

This agreement is governed by Australian law and the laws of the state where services are provided.

Severability

If any provision is deemed invalid, the remaining terms continue in full force and effect.

Complete Agreement

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

Terms Modifications

We may modify these terms with reasonable notice. Material changes will be communicated at least 30 days in advance.

Continued use of services after changes constitutes acceptance of modified terms.

Terms Contact Information

For questions about these terms or our services, please use the contact information provided elsewhere on our website.