Terms and Conditions of Service

Introduction and Agreement

These Terms and Conditions govern your use of peravauradalio Financial Planning Services and our website. By accessing our services or website, you agree to be bound by these terms and all applicable laws and regulations.

If you do not agree with any part of these terms, please do not use our services or website.

These terms were last updated on October 4, 2025.

Definitions and Interpretation

For the purposes of these Terms and Conditions:

• • "Service" refers to financial planning consultation services provided by peravauradalio Financial Planning Services
• • "User" or "Client" refers to any individual accessing our website or engaging our consultation services
• • "Content" includes all text, images, data, and materials available through our website or services
• • "Agreement" refers to these Terms and Conditions along with our Privacy Policy and other applicable policies

Use of Our Services

Your use of our consultation services is subject to the following conditions:

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding agreements to use our services.

18+ only

Account and Information Responsibilities

• • Provide accurate and complete information during consultation requests
• • Maintain confidentiality of any login credentials or sensitive information
• • Notify us promptly of any changes to your contact information or circumstances

User Responsibilities and Conduct

When using our website or services, you agree to:

• • Use our services only for lawful purposes and in accordance with these terms
• • Respect the intellectual property rights of peravauradalio and third parties
• • Provide truthful information and not misrepresent your identity or circumstances
• • Comply with all applicable local, state, and federal laws and regulations
• • Maintain the security and confidentiality of your personal and financial information

Prohibited Activities

The following activities are strictly prohibited when using our services:

• • Attempting to gain unauthorized access to our systems or other users' information
• • Using our services for any illegal or fraudulent purposes
• • Distributing viruses, malware, or other harmful computer code
• • Harassment, abuse, or threatening behavior toward our staff or other users
• • Attempting to reverse engineer, copy, or reproduce our proprietary systems or content
• • Using automated systems or bots to access our website without permission

Intellectual Property Rights

All content, trademarks, and intellectual property on our website remain the exclusive property of peravauradalio Financial Planning Services or our licensors.

We grant you a limited, non-exclusive license to access and use our website for its intended purposes only.

You may not reproduce, distribute, modify, or create derivative works from our content without written permission.

User-Generated Content

Any information or content you provide through our consultation process or website communications grants us the right to use such content for service delivery purposes.

You are responsible for ensuring that any content you provide does not infringe on third-party rights or violate applicable laws.

We reserve the right to remove or refuse any user content that violates these terms or our policies.

Privacy and Data Protection

Your privacy is protected according to our Privacy Policy, which forms an integral part of this agreement.

We collect and process personal information only as described in our Privacy Policy and as necessary for service delivery.

Service Disclaimers and Limitations

Our consultation services are provided "as is" without warranties of any kind, express or implied.

We make no guarantees regarding specific outcomes or results from our consultation services.

Limitation of Liability

To the maximum extent permitted by law, peravauradalio's liability for any claims arising from our services is limited to the amount paid for our services in the 12 months preceding the claim.

We shall not be liable for indirect, incidental, special, or consequential damages arising from the use of our services.

Our total liability under any circumstances shall not exceed the total amount paid by you for our services.

Indemnification

You agree to indemnify and hold harmless peravauradalio, its employees, and representatives from any claims, damages, or expenses arising from your use of our services or violation of these terms.

This includes legal fees and costs associated with defending against third-party claims related to your conduct or use of our services.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently:

Termination of Services

Either party may terminate the service relationship at any time with appropriate notice as outlined in your service agreement.

Upon termination, your right to use our services ceases immediately, though certain obligations under these terms continue.

Provisions related to intellectual property, liability limitations, and dispute resolution survive termination of the agreement.

Governing Law and Jurisdiction

These terms are governed by Australian law and the laws of the state where our principal business operations are conducted.

Any legal proceedings shall be subject to the exclusive jurisdiction of Australian courts.

Modifications to These Terms

We reserve the right to modify these terms at any time to reflect changes in our services, legal requirements, or business practices.

Material changes will be communicated through website notices or direct communication to active clients.

Continued use of our services after any modifications constitutes acceptance of the updated terms.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and peravauradalio Financial Planning Services.

Contact Information

For questions about these terms or our services, please contact us: