Terms and Conditions

Terms Acceptance

Using our services indicates acceptance of this disclaimer and all stated limitations

These terms constitute a legally binding agreement between you and sorymelanvithuq Financial Planning Services

Service Description

sorymelanvithuq provides subscription-based financial planning consultations and analytical reviews to help Australian residents understand modern approaches to money management

Our services include personalized consultations, strategic planning discussions, and ongoing support through our subscription platform

User Responsibilities

As a subscriber to our services, you agree to

• • Provide accurate and complete information during consultations
• • Maintain the confidentiality of your account access credentials
• • Use our services only for legitimate financial planning purposes
• • Pay subscription fees promptly according to your chosen plan
• • Notify us of any changes to your contact information or circumstances

Prohibited Activities

Users must not engage in the following activities

• • Using our services for illegal or unauthorized purposes
• • Attempting to gain unauthorized access to our systems or other user accounts
• • Sharing account credentials with unauthorized third parties
• • Using automated systems to access our services without permission
• • Interfering with the proper operation of our website or services
• • Misrepresenting your identity or providing false information during consultations

Intellectual Property

All content, materials, and resources provided through sorymelanvithuq are protected by Australian intellectual property laws

We grant you a limited, non-exclusive license to use our services for personal financial planning purposes only

All content, materials, and resources provided through sorymelanvithuq are protected by Australian copyright and intellectual property laws

Payment and Billing Terms

Subscription fees are charged according to your selected plan and billing cycle

• • Monthly subscriptions are charged in advance on the same date each month
• • All fees are quoted in Australian dollars and include applicable GST
• • Payment must be made by valid credit card or approved electronic payment method
• • Failed payments may result in temporary suspension of service access

Cancellation and Refunds

Subscriptions may be cancelled at any time with 30 days written notice, with access continuing until the end of your current billing period

Refunds are not provided for partial billing periods, unused consultations, or voluntary cancellations

Liability Limitations

Our liability to you is limited to the maximum extent permitted under Australian consumer law

Services are provided on an "as is" basis without warranties of specific outcomes or results

User Indemnification

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

Dispute Resolution Process

We're committed to resolving disputes fairly and efficiently through multiple channels

Alternative dispute resolution methods may be available depending on your location and the nature of the dispute

Privacy and Data Protection

We are committed to protecting your personal information in accordance with Australian privacy legislation

Detailed information about our data practices is available in our Privacy Policy Privacy Policy

Service Termination

Either party may terminate the subscription agreement with appropriate notice as outlined in our cancellation policy

Upon termination, access to consultation services and platform features will cease at the end of your current billing period

Applicable Law and Jurisdiction

This disclaimer is governed by the laws of Australia and the state/territory where services are provided

These terms are governed by Australian law, with disputes to be resolved in appropriate Australian courts or through recognized alternative dispute resolution

Severability Clause

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

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and sorymelanvithuq

Terms Modification

We reserve the right to modify these terms with reasonable notice to subscribers

Continued use of our services after changes indicates acceptance of updated terms

Cookie Policy Questions

For questions about these terms or our services, please contact us using the information provided below