Terms and Conditions

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement.

If you do not agree to these terms, please do not use our website or services.

Definitions

The following terms have specific meanings in this agreement.

• "Service" refers to our financial planning consultation services
• "Company" refers to flunivaeoni and its affiliates
• "User" refers to anyone who accesses our website or services
• "Content" refers to all materials on our website
• "Account" refers to any user account created on our platform

Use of Our Service

Our consultation services are subject to the following terms and conditions.

Eligibility

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

18+ only

Account Registration

When creating an account, you agree to provide accurate and complete information.

• Provide truthful and accurate information
• Maintain the confidentiality of your account credentials
• Update information as necessary to keep it current
• Notify us immediately of any unauthorized account access

User Responsibilities

As a user of our services, you agree to the following responsibilities.

• Use our services in accordance with applicable laws
• Provide accurate information during consultations
• Respect the intellectual property rights of others
• Not attempt to gain unauthorized access to our systems
• Not use our services for any fraudulent or illegal purpose
• Maintain the confidentiality of consultation discussions

Prohibited Uses

You may not use our service for any of the following purposes.

• Violating any applicable laws or regulations
• Transmitting harmful or malicious code
• Attempting to interfere with service functionality
• Using automated systems to access our services without permission
• Impersonating another person or entity
• Collecting user information without consent
• Using our services to spam or send unsolicited communications
• Engaging in any activity that could harm our reputation

Intellectual Property

All content and materials on our website are protected by intellectual property laws and remain the property of flunivaeoni.

We grant you a limited license to access and use our content for personal, non-commercial purposes.

Unauthorized reproduction, distribution, or modification of any content is strictly prohibited.

User-Generated Content

By submitting content to us, you grant us a license to use, modify, and display that content in connection with our services.

You are solely responsible for the content you submit and warrant that it does not violate any third-party rights.

We reserve the right to remove any content that violates these terms or our community standards.

Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

Our Privacy Policy forms part of these terms and conditions.: View Privacy Policy

Payment Terms

The following terms apply to all payments for our services.

• All fees are quoted in Australian dollars and include GST where applicable
• Monthly subscription fees are billed in advance on the same date each month
• You may cancel your subscription at any time with 30 days notice
• Refunds are not available for partial months of service

View Current Pricing: View Pricing Plans

Service Disclaimers

We provide our consultation services on an "as is" basis without warranties of any kind.

Individual results may vary and we make no guarantees about outcomes from our consultations.

Past performance does not guarantee future results.

Individual results may vary.

Limitation of Liability

To the maximum extent permitted by law, our liability is limited to the amount you paid for our services in the preceding 12 months.

Our total liability shall not exceed $1,000 AUD regardless of the basis of the claim.

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

Indemnification

You agree to indemnify and hold us harmless from any claims arising from your use of our services or violation of these terms.

Dispute Resolution

We prefer to resolve disputes through direct communication, but formal options are available if needed.

Arbitration

Disputes may be resolved through binding arbitration under Australian commercial arbitration rules.

The arbitration will be conducted in Melbourne, Victoria, under Australian law.

EU Online Dispute Resolution

EU residents may access online dispute resolution through the European Commission ODR platform.

ec.europa.eu/consumers/odr: For EU residents, online dispute resolution is available through the EC ODR platform.

Our email for ODR purposes is contact@flunivaeoni.com

Governing Law

Any disputes arising from this disclaimer shall be subject to the exclusive jurisdiction of Australian courts.

These terms are governed by Australian law and the jurisdiction of Australian courts.

Termination

You may terminate your account at any time by contacting us or through your account settings.

We may terminate accounts that violate these terms or for other legitimate business reasons.

Upon termination, your right to use our services ceases immediately, though certain provisions of these terms survive.

Changes to Terms

We reserve the right to modify these terms at any time with reasonable notice to users.

Significant changes will be communicated via email or website notice at least 30 days in advance.

Severability

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

Entire Agreement

These terms, together with our Privacy Policy and any other referenced policies, constitute the entire agreement between us.

Contact Information

For questions about these terms, please contact us at contact@flunivaeoni.com or using the contact information provided on our website.