Terms and Conditions
Terms of Service
These Terms and Conditions govern your use of axeronivalto's financial planning subscription service and website located at axeronivalto.com.
By accessing our website or using our services, you agree to be bound by these terms. If you disagree with any part of these terms, please do not use our services.
Definitions
For the purposes of these Terms and Conditions:
- Service: Refers to the financial planning subscription service provided by axeronivalto
- User/Client: Refers to any individual who accesses or uses our service
- Content: All information, advice, documents, and materials provided through our service
- Agreement: These Terms and Conditions and any supplementary agreements
Service Eligibility
Our services are available to individuals aged 18 and over who are Australian residents. By using our service, you confirm that you meet these eligibility requirements and have the legal capacity to enter into this agreement.
18+ only
User Responsibilities
As a user of our service, you agree to:
- Provide accurate and complete information during consultations
- Notify us promptly of any changes to your circumstances
- Use our service only for lawful purposes
- Respect the confidentiality of proprietary information
- Comply with all applicable laws and regulations
Prohibited Activities
You may not use our service to:
- Engage in any unlawful or fraudulent activities
- Violate any applicable laws or regulations
- Interfere with or disrupt our service operations
- Attempt to gain unauthorized access to our systems
- Share your account access with unauthorized parties
Intellectual Property Rights
All content, materials, and intellectual property provided through our service remain the exclusive property of axeronivalto and are protected by Australian copyright and intellectual property laws.
Unauthorized reproduction, distribution, or modification of our content is strictly prohibited.
We grant you a limited, non-exclusive license to access and use our service for personal financial planning purposes only.
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.
Please review our Privacy Policy to understand our data handling practices. Privacy Policy
Payment and Billing
Subscription fees are billed monthly in advance. Payment terms include:
- • Monthly subscription fee of $250 AUD including GST
- • Automatic billing on the same date each month
- • Payment due within 7 days of billing date
- • Late payment may result in service suspension
Refund Policy
Due to the personalized nature of our consultation services, we do not offer refunds for completed sessions.
Refunds may be considered in exceptional circumstances and are subject to individual assessment. Individual results may vary.
Service Disclaimers
Our financial planning consultations are provided for informational purposes and do not constitute licensed financial advice under Australian regulations.
We make no warranties regarding specific outcomes or results from our service. Past performance does not guarantee future results.
Past performance does not guarantee future results.
Individual results may vary.
Limitation of Liability
To the maximum extent permitted by Australian law, axeronivalto's liability is limited to the amount paid for services in the preceding 12 months.
We shall not be liable for any indirect, incidental, or consequential damages arising from your use of our service.
Indemnification
You agree to indemnify axeronivalto against any claims arising from your use of our service or violation of these terms.
Dispute Resolution
In the event of disputes, we encourage resolution through the following methods:
Direct Resolution
Initial disputes should be addressed through direct communication with our customer service team.
Unresolved disputes may be referred to mediation services or appropriate Australian consumer resolution bodies.
Consumer Complaints
Australian consumers may access the Australian Financial Complaints Authority (AFCA) for dispute resolution.
Contact AFCA at contact@axeronivalto.com for complaint resolution services.: contact@axeronivalto.com
Governing Law
Any disputes shall be resolved under the laws of Australia and the jurisdiction of Australian courts.
These terms are governed by Australian law and the jurisdiction of Australian courts. Consumer protection laws may provide additional rights that cannot be excluded.
Service Termination
Either party may terminate the subscription with 30 days written notice. We may terminate immediately for breach of terms.
Upon termination, access to consultations will cease, though certain obligations may survive termination.
Changes to Terms
We may modify these terms at any time to reflect changes in our service or applicable laws.
We will provide notice of material changes via email or website notification at least 30 days before they take effect.
Severability
If any provision of these terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy and any supplementary agreements, constitute the entire agreement between you and axeronivalto.
Contact Us
For questions about these Terms and Conditions, please contact us:
These Terms and Conditions were last updated on September 12, 2025.
Licensed by AFSL 627491