Terms and Conditions

Terms of Service

Welcome to thalorivemyqua's financial planning services. These Terms and Conditions govern your use of our website and subscription-based financial planning services. By accessing our website or using our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. Your continued use of our services constitutes acceptance of any updates to these terms.

Definitions

For the purposes of these Terms and Conditions:

• • "Service" or "Services": Refers to the subscription-based financial planning services provided by thalorivemyqua, including consultations, planning documents, and ongoing support
• • "User", "You", or "Client": Refers to any individual or entity that accesses or uses our services
• • "Website": Refers to thalorivemyqua.com and all associated pages, content, and functionality
• • "Subscription": Refers to the recurring monthly payment plan for ongoing access to our financial planning services

Use of Our Services

When using our services, you agree to the following terms:

Permitted Uses

• • Use services for personal financial planning purposes only
• • Provide accurate and current information during consultations
• • Respect the professional nature of our advisor-client relationship

Prohibited Uses

• • Using services for illegal activities or purposes
• • Sharing access credentials with unauthorized parties
• • Attempting to reverse engineer or copy our methodologies
• • Using our services to provide advice to third parties without authorization

User Responsibilities

As a user of our services, you are responsible for:

• • Providing accurate and complete financial information
• • Implementing recommendations at your own discretion and risk
• • Maintaining confidentiality of your account access information
• • Notifying us promptly of any changes in your financial circumstances

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services remain the property of thalorivemyqua. This includes but is not limited to text, graphics, logos, planning methodologies, and software.

You may not reproduce, distribute, or create derivative works from our intellectual property without express written permission.

Payment Terms and Billing

By subscribing to our services, you agree to the following payment terms:

• • Monthly subscription fees are charged in advance on your billing date
• • Fees are non-refundable except as required by Australian Consumer Law
• • Price changes will be communicated 30 days in advance

Termination of Services

Either party may terminate the service relationship with 30 days written notice. We reserve the right to terminate services immediately for breach of these terms or non-payment.

Upon termination, you will retain access to services through the end of your current billing period, after which access will be discontinued.

Limitation of Liability

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

Our total liability shall not exceed $5,000 AUD regardless of the nature of the claim or number of incidents.

Dispute Resolution

We encourage resolving disputes through direct communication. However, formal dispute resolution follows this process:

Indemnification

You agree to indemnify thalorivemyqua against any claims, damages, or expenses arising from your use of our services, violation of these terms, or implementation of financial recommendations.

Governing Law

These terms are governed by Australian law and the laws of the state or territory where services are provided. Any legal proceedings will be conducted in Australian courts with appropriate jurisdiction.

Severability

If any provision of these terms is deemed unenforceable, the remaining provisions will continue in full force and effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and thalorivemyqua regarding the use of our services.

Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website, unless otherwise specified.

Material changes will be communicated via email to active subscribers at least 30 days before taking effect.

Contact Information

For questions about these Terms and Conditions, please contact us: