Terms and Conditions

Introduction and Acceptance

Welcome to narovexalumi Financial Planning Services. These Terms and Conditions govern your use of our website and subscription services. By accessing our website or subscribing to 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.

Important Definitions

For clarity, the following terms have specific meanings throughout this agreement:

• "Services": Refers to our monthly financial planning subscription service, consultations, and related support provided through narovexalumi.com
• "Client" or "You": Any individual who subscribes to our services or uses our website
• "Personal Information": Any information that can identify you as an individual, as defined by Australian Privacy Principles
• "Consultation": Scheduled one-on-one financial planning guidance sessions provided as part of your subscription

Description of Services

narovexalumi provides monthly financial planning consultation services through a subscription model. Our services include personalized guidance, budgeting support, and ongoing financial planning advice delivered through scheduled consultations and email support.

Our services are limited to general financial planning guidance and do not include direct investment management, specific security recommendations, or guaranteed financial outcomes.

Your Responsibilities as a Client

As a subscriber to our services, you agree to:

• Provide accurate and complete information during consultations and in all communications
• Attend scheduled consultations or provide reasonable notice for rescheduling
• Pay subscription fees promptly according to your chosen billing cycle
• Maintain the confidentiality of any login credentials provided for service access
• Use our services only for legitimate personal financial planning purposes

Prohibited Uses

You agree not to use our services or website for any of the following:

• Any unlawful purpose or to encourage unlawful activity
• Sharing or redistributing our proprietary planning materials or consultation content
• Attempting to reverse-engineer or copy our service methodologies
• Interfering with or disrupting our website or service operations
• Using our services to provide financial advice to third parties without proper licensing

Intellectual Property Rights

All content, materials, methodologies, and proprietary information provided through our services remain the exclusive property of narovexalumi Financial Planning Services. You may use these materials for your personal financial planning only and may not reproduce, distribute, or commercialize any part of our intellectual property.

Payment Terms and Billing

Your subscription includes the following payment terms:

• Monthly subscription fees of $250 AUD are billed in advance on your chosen billing date
• All fees include GST where applicable and are processed via secure payment systems
• Failed payments may result in service suspension after 7 days notice
• You are responsible for maintaining current payment information and promptly updating changes

Cancellation and Refund Policy

You may cancel your subscription at any time with 30 days written notice. Cancellation takes effect at the end of your current billing cycle. No refunds are provided for partial months of service.

Refunds are not available for completed consultation services. In exceptional circumstances, partial refunds may be considered at our discretion on a case-by-case basis.

Limitation of Liability

To the maximum extent permitted by Australian law, narovexalumi Financial Planning Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Indemnification

You agree to indemnify and hold harmless narovexalumi Financial Planning Services from any claims, damages, losses, or expenses arising from your breach of these terms, misuse of our services, or violation of applicable laws.

Dispute Resolution

Any disputes arising from these terms or our services will be resolved through the following process:

Governing Law and Jurisdiction

Australian Consumer Law and relevant state legislation where our services are provided

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with enforceable terms that achieve a similar purpose.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and narovexalumi Financial Planning Services regarding your use of our services.

Changes to These Terms

We may update these terms periodically to reflect changes in our services or legal requirements. We will provide notice of significant changes via email or website announcements.

Continued use of our services after changes take effect constitutes acceptance of the updated terms.

Contact Information

For questions about these Terms and Conditions or to discuss any concerns: