Terms & Conditions

Terms of Service

These Terms and Conditions govern your use of Zoravianethl Financial Planning Services and outline the agreement between you and our company for the provision of financial planning services.

By using our services or website, you acknowledge that you have read, understood, and agree to be bound by these terms.

Effective Date: August 31, 2025

Definitions

The following terms have specific meanings throughout this agreement:

  • Service: Financial planning consultation and guidance provided through our subscription model
  • Client: Any individual who subscribes to or uses our financial planning services
  • Platform: Our website, client portal, and associated digital tools and resources
  • Agreement: These Terms and Conditions along with our Privacy Policy and other applicable policies

Use of Our Services

Our financial planning services are provided on a subscription basis and are intended for personal financial planning purposes only.

Permitted Uses

  • Personal financial planning and consultation purposes
  • Accessing resources and tools provided through our platform
  • Communicating with assigned financial planning professionals

Prohibited Uses

The following activities are strictly prohibited:

  • Using services for illegal activities or violations of applicable laws
  • Sharing account credentials or allowing unauthorized access
  • Attempting to interfere with or disrupt our systems or services
  • Using information obtained through our services for commercial purposes
  • Providing false or misleading information during consultations

Your Responsibilities

As a client, you agree to:

  • Provide accurate and complete information about your financial situation
  • Maintain confidentiality of account access credentials
  • Notify us promptly of any changes to your contact information
  • Use our services in accordance with these terms and applicable laws

Intellectual Property Rights

All content, materials, and intellectual property on our platform remain the exclusive property of Zoravianethl Financial Planning Services and are protected by Australian copyright and intellectual property laws.

Unauthorized reproduction or distribution of any content is strictly prohibited without written permission.

Privacy and Data Protection

Your privacy is important to us. The collection, use, and protection of your personal information are governed by our Privacy Policy.

Please review our Privacy Policy for detailed information about our data handling practices.

Payment Terms

Subscription fees are charged monthly in advance:

  • Monthly subscription fee of $250 AUD plus applicable GST
  • Payments are processed automatically on your billing date
  • Failed payments may result in service suspension until resolved

Termination

Either party may terminate this agreement with 30 days written notice. We reserve the right to terminate immediately for violations of these terms.

Upon termination, access to our platform and services will cease, though you retain rights to any materials already provided.

Service Disclaimers

Our services are provided on an "as is" basis without warranties of any kind.

We make no guarantees about specific outcomes or results from using our financial planning services.

Limitation of Liability

To the fullest extent permitted by Australian law, our liability for any claims arising from your use of our services is limited.

Our maximum liability shall not exceed the total fees paid by you in the 12 months preceding the claim.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Internal Resolution

We encourage clients to first contact us directly to resolve any concerns or disputes.

Unresolved disputes may be referred to mediation or arbitration under Australian dispute resolution procedures.

External Resolution

If internal resolution is unsuccessful, disputes may be escalated to appropriate external dispute resolution schemes.

Financial services disputes can be referred to the Australian Financial Complaints Authority.: Visit AFCA website

Governing Law

Any disputes arising from your use of this website shall be subject to the exclusive jurisdiction of Australian courts.

These terms are governed by Australian law and the laws of Victoria. Any disputes shall be subject to the jurisdiction of Victorian courts.

Indemnification

You agree to indemnify and hold harmless Zoravianethl Financial Planning Services from any claims arising from your use of our services or violation of these terms.

Severability

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

Entire Agreement

These terms, along with our Privacy Policy and other referenced policies, constitute the complete agreement between you and Zoravianethl Financial Planning Services.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on our website and become effective immediately.

Significant changes will be communicated to clients via email or through our client portal.

Contact Information

For questions about these terms or to discuss any concerns, please contact us at info@zoravianethl.com or +61 7 0255 6920.

Email: contact@zoravianethl.com

Phone: +61 7 0255 6920

Address: 140 William Street, Perth WA, Australia

Last Updated: August 31, 2025

Version: 2.1