Terms and Conditions

Introduction to Our Service Terms

These terms and conditions govern your use of our website and subscription-based financial planning services.

By accessing our website or subscribing to our services, you agree to be bound by these terms. Please read them carefully before proceeding with any service subscription or website usage.

Important Definitions

For clarity, the following terms have specific meanings throughout these terms and conditions:

  • "Service" or "Services": Refers to our subscription-based financial planning consultations, analytical reviews, and related support provided through yoranqivesth
  • "Subscriber" or "Client": Any individual or entity that has entered into a subscription agreement for our financial planning services
  • "Consultation": Personalized sessions where we discuss your financial situation and provide analytical reviews and guidance
  • "Website": The yoranqivesth.com website and all related pages, content, and functionality provided by yoranqivesth

Description of Our Services

yoranqivesth provides subscription-based financial planning services including personalized consultations, analytical reviews, and ongoing support to help clients make informed financial decisions.

Our services focus on educational consultations and analytical reviews of your financial situation. We do not provide specific investment advice, tax preparation, or legal counsel. Individual results may vary based on personal circumstances and commitment to implementing recommendations.

Your Responsibilities as a Subscriber

To ensure the best possible service experience, subscribers agree to the following responsibilities:

  • Provide accurate and complete information about your financial situation during consultations
  • Attend scheduled consultation sessions or provide reasonable notice for rescheduling
  • Maintain the confidentiality of any login credentials or access information
  • Use our services solely for personal financial planning purposes
  • Notify us promptly of any changes to your contact information or circumstances

Prohibited Uses of Our Service

The following activities are strictly prohibited when using our website or services:

  • Using our services for any illegal activities or purposes
  • Sharing, reproducing, or distributing our proprietary content without permission
  • Attempting to gain unauthorized access to our systems or other users' accounts
  • Using our services to harass, abuse, or harm other users or our staff
  • Providing false or misleading information during consultations or registration

Payment Terms and Billing

Our subscription service operates under the following payment structure:

  • Payment Methods: We accept major credit cards and direct debit from Australian bank accounts. All payments are processed securely through encrypted payment systems.
  • Billing Frequency: Subscriptions are billed monthly in advance. Your first payment is due upon subscription activation, with subsequent payments processed on the same date each month.
  • Refund Policy: Due to the personalized nature of our consultations, refunds are not available once services have been provided. Unused portions of cancelled subscriptions are not refundable.
  • Cancellation Process: You may cancel your subscription at any time with 30 days' written notice. Cancellation takes effect at the end of your current billing period.

Intellectual Property Rights

All content, materials, methodologies, and resources provided through our services remain the exclusive property of yoranqivesth and are protected by Australian and international copyright laws.

Subscribers may use provided materials solely for personal financial planning purposes and may not reproduce, distribute, or commercialize any content without express written permission.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these terms.

We implement appropriate security measures to protect your personal and financial information in accordance with Australian privacy laws and industry best practices.

Limitation of Liability

To the maximum extent permitted by Australian law, the following limitations apply to our liability:

Our liability for any claims arising from your use of our services is limited to the amount paid for your subscription in the 12 months preceding the claim. We are not liable for indirect, consequential, or punitive damages.

Indemnification Agreement

Subscribers agree to indemnify and hold yoranqivesth harmless from any claims, losses, or damages arising from their use of our services, violation of these terms, or infringement of any third-party rights.

Dispute Resolution Process

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

Arbitration Procedure

Disputes that cannot be resolved through direct negotiation will be resolved through binding arbitration conducted in accordance with Australian commercial arbitration rules.

The arbitration will be conducted by a single arbitrator in Melbourne, Victoria, and conducted in English. The arbitrator's decision will be final and binding on both parties.

European Union Online Dispute Resolution

For EU residents, disputes may also be resolved through the European Commission's Online Dispute Resolution platform.

Access the EU ODR platform at ec.europa.eu/consumers/odr

Termination of Services

We reserve the right to terminate or suspend your subscription immediately if you violate these terms, engage in prohibited activities, or fail to make required payments.

Upon termination, your access to our services will cease immediately, and all obligations under these terms will survive termination as applicable under Australian law.

Governing Law and Jurisdiction

These terms are governed by the laws of Victoria, Australia, and any disputes will be subject to the exclusive jurisdiction of the Victorian courts, unless resolved through arbitration.

Severability of Terms

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be replaced with a valid provision that most closely reflects our original intent.

Entire Agreement

These terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and yoranqivesth regarding your use of our services and supersede all prior agreements or understandings.

Modifications to These Terms

We may modify these terms at any time to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated to subscribers via email or website notice.

Continued use of our services after changes take effect constitutes acceptance of the modified terms. If you disagree with changes, you may cancel your subscription in accordance with our cancellation policy.

Contact Information for Terms Queries

For questions about these terms and conditions or to discuss any concerns, please contact us using the following information:

Email: contact@yoranqivesth.com

Phone: +61 337-651-807

Address: Level 15, 120 Collins Street, Melbourne VIC 3000

These terms and conditions were last updated on August 11, 2025