Terms and Conditions

These terms govern your use of our financial planning services and website.

June 3, 2025

Acceptance of Terms

By using our services, you agree to these terms and conditions in their entirety.

If you do not agree with these terms, please do not use our services.

Service Description

We provide subscription-based financial planning services including investment advice, portfolio management, and financial goal planning.

Services are provided subject to Australian financial services regulations and licensing requirements.

User Responsibilities

As a user of our services, you agree to:

  • Provide accurate and complete information
  • Maintain the confidentiality of your account
  • Use services in accordance with applicable laws
  • Notify us of any changes to your financial situation
  • Pay fees and charges as agreed

Prohibited Uses

You may not use our services for:

  • Illegal activities or money laundering
  • Providing false or misleading information
  • Attempting to breach system security
  • Sharing access credentials with others
  • Using services for unauthorized commercial purposes

Intellectual Property

All content, software, and materials are protected by intellectual property laws and remain our property.

Users receive limited license to use services for personal financial planning purposes only.

Payment Terms

Subscription fees of $250 per month are payable in advance. All prices include GST at 10%.

Payment is due monthly on the subscription anniversary date.

Refunds may be available subject to our refund policy and applicable consumer law.

Termination

Either party may terminate the subscription with 30 days written notice.

Upon termination, access to services will cease and data may be deleted according to our retention policy.

Limitation of Liability

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

Total liability in any 12-month period shall not exceed the fees paid during that period.

Indemnification

Users agree to indemnify us against claims arising from breach of these terms or misuse of services.

Dispute Resolution

Disputes will be resolved through negotiation, mediation, or arbitration as appropriate.

Arbitration

Binding arbitration may be required for certain disputes under Australian arbitration rules.

Alternative Dispute Resolution

Australian Financial Complaints Authority (AFCA) provides dispute resolution for financial services.

Visit AFCA Website

Governing Law

These terms are governed by Australian law and subject to Australian court jurisdiction.

Privacy Terms

Privacy matters are governed by our Privacy Policy, which forms part of these terms. Privacy Policy

Changes to Terms

We may update these terms periodically with notice to users.

Continued use of services after changes constitutes acceptance of modified terms.

Severability

If any provision is found invalid, the remaining terms shall continue in full force and effect.

Entire Agreement

These terms constitute the entire agreement between parties regarding use of our services.

Contact Information

For questions about these terms, contact us using the information below.

info@agencyduvrelto.com

Level 15, 100 Collins Street, Melbourne VIC 3000, Australia