Terms and Conditions
Terms of Service Agreement
Welcome to xenaphivora 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 comply with and be bound by these terms.
August 25, 2025
Acceptance of Terms
By using our website, subscribing to our services, or submitting any information through our contact forms, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
These terms constitute a legally binding agreement between you and xenaphivora
Permitted Use of Services
Our financial planning subscription services are provided subject to the following conditions
- Services are for personal use only and may not be resold or redistributed
- You must provide accurate and complete information during registration and consultation
- You must be at least 18 years of age and legally capable of entering contracts
- You agree to participate actively in consultations and follow reasonable recommendations
User Responsibilities and Obligations
As a subscriber to our services, you have certain responsibilities
Account Security
You are responsible for maintaining the confidentiality of your account information and for all activities under your account
Information Accuracy
You must provide truthful, accurate, and complete information about your financial situation during consultations
Legal Compliance
You agree to comply with all applicable laws and regulations in your use of our services
Prohibited Activities
The following activities are strictly prohibited when using our services
- Providing false or misleading information about your financial situation
- Using our services for illegal activities or fraudulent purposes
- Attempting to gain unauthorised access to our systems or other users' accounts
- Sharing your subscription access with unauthorised third parties
- Reverse engineering, copying, or redistributing our proprietary materials
Intellectual Property Rights
All content, materials, trademarks, and intellectual property on our website and in our services remain the exclusive property of xenaphivora or our licensors. This includes but is not limited to text, graphics, logos, software, and methodologies.
We grant you a limited, non-exclusive, non-transferable license to use our services for their intended purpose only
Privacy and Data Protection
Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable Australian privacy laws.
Please review our Privacy Policy for detailed information about data handling practices Privacy Policy
Payment Terms and Subscription
Our subscription service operates under the following payment terms
- Monthly subscription fees are charged in advance on your billing date
- All fees are inclusive of applicable GST and taxes
- Failed payments may result in service suspension until payment is resolved
Service Disclaimers
Our financial planning services are provided for informational and consultation purposes only. We do not provide specific investment advice, portfolio management, or guaranteed financial outcomes.
Services are provided without warranties of any kind, either express or implied
You acknowledge that individual results may vary and past performance does not guarantee future results
Limitation of Liability
To the maximum extent permitted by Australian law, xenaphivora shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Our total liability shall not exceed the amount of fees paid by you in the 12 months preceding any claim
Indemnification
You agree to indemnify, defend, and hold harmless xenaphivora and its officers, directors, employees, and agents from any claims, losses, damages, or expenses arising from your use of our services or breach of these terms.
Dispute Resolution Process
We are committed to resolving any disputes fairly and efficiently through the following process
Alternative Dispute Resolution
Disputes will first be addressed through good faith negotiation. If unsuccessful, disputes may be resolved through mediation or arbitration under Australian Commercial Disputes Centre rules.
Any arbitration proceedings shall be conducted in Melbourne, Australia under Australian law
European Union Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for consumer disputes
Governing Law
These terms are governed by the laws of Australia and the jurisdiction where our business operates
Termination of Services
Either party may terminate the subscription service with 30 days written notice. We reserve the right to terminate accounts immediately for breach of these terms or illegal activities.
Upon termination, access to subscription services will cease and certain provisions of these terms shall survive
Changes to Terms
We reserve the right to modify these terms at any time with reasonable notice. Material changes will be communicated via email or prominent website notice at least 30 days before taking effect.
Continued use of our services after changes take effect constitutes acceptance of modified terms
Severability
If any provision of these terms is found invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and xenaphivora regarding your use of our services.
Contact Information
For questions about these terms or our services, please contact us at
Last updated on: August 10, 2025
Agreement Version: 2.1