Terms and Conditions

Acceptance of Terms

By accessing and using arecelyavhara's financial planning services, you agree to be bound by these terms and conditions.

These terms constitute a legally binding agreement between you and arecelyavhara.

Definitions

For the purposes of these terms, the following definitions apply:

• • Service refers to the financial planning consultation and advisory services provided by arecelyavhara.
• • User refers to any individual who accesses or uses our services.
• • Content includes all information, materials, and resources provided through our services.
• • Agreement refers to these terms and conditions as may be updated from time to time.

Use of Service

arecelyavhara provides subscription-based financial planning consultations and advisory services to eligible users.

Users must be at least 18 years of age and have the legal capacity to enter into binding agreements.

18+ only

User Responsibilities

As a user of our services, you agree to:

• • Provide accurate and complete information during consultations
• • Use services only for lawful purposes and in accordance with these terms
• • Maintain confidentiality of your account information and access credentials
• • Notify us promptly of any changes to your contact or financial information
• • Respect intellectual property rights and not reproduce our proprietary materials

Prohibited Activities

You are prohibited from:

• • Using services for any fraudulent, illegal, or unauthorized purpose
• • Attempting to gain unauthorized access to our systems or data
• • Sharing or distributing proprietary information or materials
• • Interfering with the operation of our services or other users' access
• • Using services to provide unauthorized financial advice to third parties

Intellectual Property

All content, materials, and intellectual property remain the exclusive property of arecelyavhara.

We grant you a limited, non-transferable license to access and use our services for personal use only.

You grant us the right to use any feedback or information you provide to improve our services.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

We collect personal information solely for the purpose of providing financial planning services.

Payment Terms

Subscription fees are charged monthly in advance. All fees include GST where applicable at the current rate of 10%. Representative APR varies based on subscription level.

Refunds are not typically provided for unused subscription periods, except where required by law.

Billing disputes must be raised within 30 days of the relevant charge.

Service Disclaimers

Services are provided "as is" without warranties of any kind, whether express or implied.

We make no guarantees about service availability, accuracy of information, or specific outcomes.

Past performance does not guarantee future results.

Individual results may vary based on personal circumstances and market conditions.

Limitation of Liability

Our liability is limited to the maximum extent permitted by Australian law.

We exclude liability for indirect, consequential, or punitive damages.

Our total liability shall not exceed the fees paid by you in the 12 months preceding any claim.

Indemnification

You agree to indemnify arecelyavhara against claims arising from your use of our services or breach of these terms.

Dispute Resolution

For disputes related to our services, several resolution mechanisms are available:

Termination

Either party may terminate the service relationship with appropriate notice as specified in your subscription agreement.

Upon termination, your access to services will cease and certain provisions of these terms will survive.

Governing Law

These terms are governed by the laws of Australia and the State of Victoria.

Any legal proceedings must be brought in the courts of Victoria, Australia.

Severability

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

Entire Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between you and arecelyavhara.

Changes to Terms

We may update these terms from time to time. The current version was last updated on September 17, 2025.

Material changes will be communicated through appropriate channels with reasonable advance notice.

Contact About Terms

For questions about these terms and conditions, please contact us using the information provided in our contact section.