Terms and Conditions

Service Terms Agreement

These Terms and Conditions govern your use of quinelpharivo's financial planning subscription service and website. By accessing our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. Your continued use constitutes acceptance of any updates or modifications.

Key Definitions

The following terms have specific meanings throughout this agreement:

• • Service:: Our subscription-based financial planning consultations and related support services
• • User/Client:: Any individual who subscribes to or uses our financial planning services
• • Content:: All information, advice, reports, and materials provided through our service
• • Agreement:: These Terms and Conditions, together with our Privacy Policy and any additional terms

Acceptable Use of Service

When using our financial planning service, you agree to the following guidelines:

Permitted Uses:

• • Using our consultations for personal financial planning purposes
• • Accessing provided materials and resources for your own financial education
• • Communicating with our team regarding your subscription and services

Prohibited Uses:

• • Sharing login credentials or account access with unauthorized parties
• • Using our service for illegal activities or fraudulent purposes
• • Attempting to reverse engineer or copy our proprietary methods or materials
• • Harassing or abusing our staff or other users of the service

Your Responsibilities as a Client

To ensure the best service delivery, you agree to:

• • Provide accurate and complete information about your financial situation
• • Maintain the confidentiality of your account login details
• • Notify us promptly of any changes in your circumstances that may affect your plan
• • Pay subscription fees on time according to the agreed schedule
• • Use our advice and recommendations at your own discretion and risk

Intellectual Property Rights

All content, methods, reports, and materials provided through our service remain the intellectual property of quinelpharivo. This includes but is not limited to planning frameworks, analysis tools, and proprietary methodologies.

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

Privacy and Data Protection

We collect and process your personal and financial information to provide our services effectively. This data is handled according to Australian privacy laws and our internal security protocols.

For detailed information about data collection, use, and protection, please review our Privacy Policy, which forms part of this agreement.

Subscription and Payment Terms

Our financial planning service operates on a subscription basis with the following conditions:

• • Monthly subscription fee of $250 AUD, billed in advance
• • Payments are processed automatically using your provided payment method
• • Price changes will be communicated 30 days in advance
• • Failed payments may result in service suspension until payment is resolved

Limitation of Liability

While we strive to provide excellent service, certain limitations apply:

User Indemnification

You agree to indemnify and hold harmless quinelpharivo from any claims, damages, or expenses arising from your misuse of our services, violation of these terms, or any decisions you make based on our consultations.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently:

Service Termination

Either party may terminate the subscription relationship under the following circumstances:

• • You may cancel your subscription at any time with 30 days written notice
• • We may terminate service for non-payment after 15 days notice
• • Immediate termination may occur for violations of these terms or illegal activity

Upon termination, access to ongoing consultations will cease, though you retain access to materials provided during your subscription period.

Governing Law

These terms are governed by the laws of the Commonwealth of Australia and the state of Victoria. Any legal proceedings will be subject to the exclusive jurisdiction of Australian courts.

Severability of Terms

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with enforceable alternatives that best reflect the original intent.

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and quinelpharivo regarding our financial planning services.

Modifications to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated via email at least 30 days before taking effect.

Your continued use of our services after changes take effect constitutes acceptance of the modified terms.

Questions About Terms

If you have questions about these Terms and Conditions, please contact us at contact@quinelpharivo.com or +61 341-094-348.