Terms and Conditions of Service

Introduction to Our Terms

These Terms and Conditions govern your use of Morinthavelixo Financial Planning Services and our website at morinthavelixo.com. By accessing our website or using our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our website or services.

Key Definitions

The following terms have specific meanings when used in this agreement:

• • "Services": Refers to our financial planning consultation services, analytical reviews, and ongoing support provided through our monthly subscription model
• • "Client" or "You": Refers to any individual or entity who subscribes to or uses our financial planning services
• • "Subscription": The monthly recurring payment arrangement for access to our financial planning services at $250 per month plus applicable taxes
• • "Personal Information": Any information that identifies you personally, including financial data shared during consultations

Use of Our Services

When using our services, you agree to the following terms regarding permitted and prohibited uses:

Permitted Uses

• • Accessing our website and services for legitimate financial planning purposes
• • Providing accurate information during consultations and service interactions
• • Using our guidance and recommendations for your personal financial planning

Prohibited Uses

• • Using our services for any unlawful purpose or in violation of applicable regulations
• • Sharing your account access or consultation materials with unauthorised third parties
• • Attempting to reverse-engineer, modify, or compromise our website or systems
• • Using our services to provide financial advice to others without appropriate licensing

Your Responsibilities as a Client

As a client of our financial planning services, you agree to the following responsibilities:

• • Provide accurate and complete information about your financial situation during consultations
• • Inform us promptly of any material changes to your financial circumstances
• • Maintain the confidentiality of your account access and login credentials
• • Pay subscription fees on time and notify us of any billing issues promptly
• • Seek additional professional advice when recommended and appropriate for your situation

Intellectual Property Rights

All content on our website, including text, graphics, logos, and consultation materials, is owned by Morinthavelixo Financial Planning Services and protected by Australian and international copyright laws.

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

Privacy and Data Protection

Our collection and use of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms and Conditions. Please review our Privacy Policy to understand how we handle your data. View Privacy Policy

Payment Terms and Billing

Our subscription service operates under the following payment terms:

• • Monthly subscription fee of $250 AUD plus GST (10%), totalling $275 AUD, charged in advance
• • Payments are processed automatically on the same date each month unless cancelled
• • Late payment may result in service suspension until account is brought current
• • Refunds are not provided for partial months or unused services within a billing period

Termination of Services

Either party may terminate the subscription service with 30 days written notice. Termination becomes effective at the end of the current billing cycle.

Upon termination, access to ongoing consultations will cease, though you retain access to previously provided consultation summaries and materials.

Limitation of Liability

Our liability for any claims arising from our services is limited to the total fees paid by you in the 12 months preceding the claim. We exclude liability for indirect, consequential, or punitive damages.

In no event shall our total liability exceed $3,000 AUD for any single incident or series of related incidents.

Service Disclaimers

Our services are provided "as is" without warranties of any kind. We do not guarantee specific financial outcomes or results from implementing our recommendations.

We disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently through the following channels:

Indemnification Agreement

You agree to indemnify and hold Morinthavelixo harmless from any claims, damages, or expenses arising from your breach of these terms or misuse of our services.

Governing Law

These terms are governed by the laws of Victoria, Australia, and Commonwealth legislation. Australian courts have exclusive jurisdiction over any legal proceedings.

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 and Conditions, together with our Privacy Policy and Cookie Policy, constitute the complete agreement between you and Morinthavelixo Financial Planning Services.

Changes to These Terms

We reserve the right to modify these terms at any time. Changes will be posted on our website with an updated effective date.

Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

Contact Information for Terms

If you have questions about these Terms and Conditions, please contact us using the information provided in our contact section.