Terms and Conditions of Service

Service Agreement Overview

These Terms and Conditions govern your use of coataariolylyo Financial Planning Services and establish the legal relationship between you and our company for financial planning consultations.

By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and all applicable laws and regulations.

Important Definitions

The following definitions apply throughout these Terms and Conditions to ensure clarity and understanding.

• • "Service" refers to our financial planning consultation subscription and all related features, tools, and communications provided through our platform.
• • "Company," "we," "us," or "our" refers to coataariolylyo Financial Planning Services Pty Ltd and its authorized representatives.
• • "User," "you," or "your" refers to individuals who subscribe to or use our financial planning consultation services.
• • "Content" includes all information, advice, materials, and communications provided through our consultation services.

Permitted Use of Services

Our financial planning consultation services are provided for legitimate personal financial planning purposes within the scope of our professional capabilities.

Your Responsibilities as a Client

Effective financial planning consultation requires your active participation and adherence to certain responsibilities.

• • Provide accurate and complete information about your financial circumstances
• • Attend scheduled consultations or provide reasonable notice for cancellations
• • Ask questions when you need clarification about recommendations or concepts
• • Maintain confidentiality of login credentials and account information
• • Notify us promptly of any changes in your financial situation or goals

Prohibited Uses and Activities

Certain activities are not permitted when using our financial planning consultation services.

• • Using our services for illegal activities or to violate any applicable laws
• • Sharing or redistributing proprietary consultation materials without permission
• • Attempting to access other users' accounts or confidential information
• • Providing false or misleading information during consultations
• • Using our services to compete with or replicate our business model
• • Harassing, threatening, or inappropriate conduct toward our consultants or staff

Intellectual Property Rights

All content, materials, methodologies, and intellectual property used in our financial planning consultations remain the exclusive property of coataariolylyo Financial Planning Services.

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

Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your financial information in accordance with our Privacy Policy and professional standards.

Service Disclaimers and Limitations

Our financial planning consultation services are provided "as is" without warranties of specific outcomes or guaranteed results.

Liability Limitations

Our liability for any claims arising from consultation services is limited to the amount paid for your subscription in the 12 months preceding any claim.

Under no circumstances shall our total liability exceed $3,000 AUD regardless of the nature or number of claims.

User Indemnification

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

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through established procedures.

Service Termination

Either party may terminate the consultation subscription with 30 days written notice. Termination does not affect obligations that arose prior to the termination date.

Upon termination, access to consultation services will cease, but confidentiality obligations continue indefinitely.

Applicable Law

These Terms and Conditions are governed by the laws of Victoria, Australia, and any disputes will be subject to the jurisdiction of Victorian courts.

Severability of Terms

If any provision of these Terms is found to be 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 coataariolylyo Financial Planning Services.

Terms Modifications

We may update these Terms periodically to reflect changes in services, regulations, or business practices. Significant changes will be communicated with reasonable advance notice.

Continued use of our services after Terms modifications constitutes acceptance of the updated agreement.

Questions About These Terms

If you have questions about these Terms and Conditions or need clarification about any provisions, please contact us using the information below.