Terms and Conditions of Service
Terms of Service Agreement
These terms and conditions govern your use of feroneaorive financial planning services and establish the legal relationship between you and our company.
By using our services, you agree to be bound by these terms and conditions in their entirety.
Important Definitions and Meanings
The following definitions apply throughout these terms and conditions to ensure clear understanding of key concepts.
- Services - Refers to our monthly financial planning consultation subscription service, including all related communications and recommendations.
- Client or You - Any individual or entity that subscribes to or uses our financial planning services.
- Company or We - feroneaorive and its employees, representatives, and affiliated service providers.
- Agreement - These terms and conditions, along with our privacy policy and any additional service agreements.
Service Usage Rules and Guidelines
These rules ensure fair and appropriate use of our financial planning services for all clients.
Permitted Uses
- Seeking personal financial planning guidance and consultation services
- Accessing information and resources provided as part of your subscription
- Communicating with our team about your financial planning needs and questions
Prohibited Activities
- Using our services for illegal activities or purposes contrary to Australian law
- Sharing your subscription access with unauthorized individuals
- Attempting to disrupt or compromise our systems, security, or other clients' experience
- Using our services to provide financial advice to others without proper authorization
Your Responsibilities and Obligations
As a client, you have certain responsibilities that help ensure effective service delivery and positive outcomes.
- Providing accurate and complete information about your financial situation and goals
- Maintaining the confidentiality of your account access and personal information
- Participating actively in consultations and following up on agreed action items
- Notifying us promptly of any changes to your contact information or circumstances
Intellectual Property and Content Rights
All content, materials, methodologies, and intellectual property used in our services remain the exclusive property of feroneaorive.
You may not reproduce, distribute, or create derivative works from our proprietary content without written authorization.
Privacy and Data Protection
Your personal information is protected according to our comprehensive privacy policy and Australian privacy laws.
Please review our Privacy Policy for detailed information about data collection, use, and protection practices.
Payment Terms and Billing Information
Our subscription service operates on a monthly billing cycle with transparent pricing and payment terms.
- Monthly subscription fee of $250 (including GST) charged at the beginning of each billing period
- Payment must be received within 7 days of invoice date to maintain active service status
- All fees are non-refundable once services have been provided during the billing period
Service Termination and Cancellation
Either party may terminate the service relationship under certain conditions and with appropriate notice.
Client-Initiated Termination
You may cancel your subscription at any time with 30 days written notice, effective at the end of your current billing period.
Company-Initiated Termination
We may terminate services for non-payment, breach of terms, or inappropriate conduct with appropriate notice.
Service Disclaimers and Warranty Information
Service Performance Disclaimers
While we strive for excellence, we cannot guarantee specific financial outcomes or results from our planning services. Individual results may vary based on numerous factors beyond our control.
Liability Limitations and Exclusions
Our liability for any damages arising from our services is limited to the amount you have paid for services in the 12 months preceding the claim.
In no event shall our total liability exceed $3,000 AUD per client regardless of the nature of the claim.
Client Indemnification Obligations
You agree to indemnify and hold feroneaorive harmless from any claims, damages, or expenses arising from your misuse of our services or breach of these terms.
Dispute Resolution
We are committed to resolving disputes efficiently and fairly through established procedures.
Arbitration Process
Most disputes will be resolved through binding arbitration in accordance with Australian commercial arbitration rules.
Arbitration proceedings will be conducted in Melbourne, Victoria, with decisions binding on both parties.
Alternative Resolution Options
We also participate in recognized alternative dispute resolution services for qualifying disputes.
Governing Law and Legal Jurisdiction
These terms are governed by Australian law, with disputes subject to the jurisdiction of Australian courts.
Modifications to Terms and Conditions
We reserve the right to update these terms with 30 days notice to active clients via email or website posting.
Continued use of our services after changes take effect constitutes acceptance of the updated terms.
Severability and Enforceability
If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.
Complete Agreement Terms
These terms, together with our privacy policy and service agreements, constitute the complete agreement between you and feroneaorive.
Questions About These Terms
If you have questions about these terms and conditions, please contact our client service team.
Last updated: September 10, 2025
Version 2.1