Terms and Conditions

Service Terms and Conditions

These terms and conditions govern your use of our website and financial planning consultation services provided by caleronivia.com.

By accessing our website or using our services, you agree to be bound by these terms and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing our services.

Important Definitions

The following terms have specific meanings throughout this agreement:

• • "Service" refers to our financial planning consultation subscription and related support services
• • "User" or "Client" refers to any individual who accesses or uses our website and services
• • "Content" includes all information, text, graphics, and materials available through our service
• • "Account" refers to your subscription account and associated user profile
• • "Terms" refers to these terms and conditions as updated from time to time

Service Eligibility Requirements

Use of our services is subject to eligibility requirements and restrictions outlined below.

You must be at least 18 years old to use our services and enter into this agreement.

You must have the legal capacity to enter into binding contracts in your jurisdiction.

18+ only

Acceptable Use of Our Services

Your use of our services must comply with acceptable use guidelines and restrictions.

Permitted Uses

You may use our services for the following purposes:

• • Receiving financial planning consultations and guidance as intended by the service
• • Accessing educational content and resources provided through your subscription
• • Communicating with our team about service-related matters and support requests

Prohibited Activities

The following activities are strictly prohibited when using our services:

• • Using the service for any illegal activities or in violation of applicable laws
• • Attempting to reverse engineer, hack, or compromise our systems and security
• • Sharing account credentials with unauthorised third parties or multiple users
• • Using automated systems to access or scrape content from our website
• • Transmitting spam, malware, or other harmful content through our communication channels
• • Misrepresenting your identity or providing false information during registration

Your Responsibilities

As a user of our services, you have specific responsibilities and obligations:

• • Providing accurate and complete information necessary for financial planning consultations
• • Maintaining the confidentiality and security of your account login credentials
• • Notifying us promptly of any changes to your contact information or financial circumstances
• • Using our services in good faith and for their intended purpose
• • Complying with all applicable laws and regulations in your jurisdiction

Intellectual Property Rights

All content, trademarks, and intellectual property remain the exclusive property of caleronivia.com or our licensors.

We grant you a limited, non-exclusive license to use our services for their intended purpose during your subscription period.

By providing information or feedback, you grant us the right to use such content to improve our services.

Unauthorised use of our intellectual property may result in account termination and legal action.

Privacy and Data Handling

Your privacy is important to us, and we handle your personal information in accordance with our privacy policy.

We collect and process personal information necessary to provide financial planning consultations and maintain your account.

Detailed information about our data practices is available in our separate privacy policy document.

Payment and Billing Terms

Payment terms for our subscription service are outlined below, including pricing, billing cycles, and refund policies.

Our monthly subscription fee is $250 AUD, inclusive of GST where applicable.

Payments are processed automatically on a monthly basis using your chosen payment method.

Refunds may be available in accordance with Australian Consumer Law and our satisfaction guarantee terms.

All prices are quoted in Australian Dollars (AUD) unless otherwise specified.

Service Disclaimers and Warranties

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

We do not guarantee specific outcomes or results from financial planning consultations.

We specifically disclaim warranties regarding:

• • Accuracy or completeness of financial guidance provided during consultations
• • Suitability of our advice for your specific financial situation or goals
• • Continuous availability of services without interruption or technical issues
• • Compatibility with all devices, browsers, or operating systems

Limitation of Liability

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

We shall not be liable for indirect, incidental, special, or consequential damages arising from service use.

Our maximum liability shall not exceed the total amount paid by you for services in the 12 months preceding any claim.

These limitations apply except where they would cause this agreement to fail of its essential purpose.

User Indemnification

You agree to indemnify and hold harmless caleronivia.com from claims arising from your use of our services.

This includes legal fees and damages related to terms violations, misuse of services, or third-party claims.

Dispute Resolution Process

We encourage resolution of disputes through informal communication and alternative dispute resolution methods.

Informal Resolution

Please contact us directly to discuss any concerns or disputes before pursuing formal legal action.

Binding Arbitration

Disputes that cannot be resolved informally may be subject to binding arbitration under Australian arbitration rules.

Arbitration shall be conducted in accordance with the Australian Centre for International Commercial Arbitration rules.

Arbitration proceedings shall take place in Melbourne, Victoria, Australia.

European Union Online Dispute Resolution

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

ODR Platform available at:: https://ec.europa.eu/consumers/odr

Our email for ODR purposes:

Service Termination

Either party may terminate the service relationship with 30 days written notice.

Upon termination, access to services will cease and no refunds will be provided for unused portions of prepaid subscriptions.

Provisions regarding intellectual property, liability limitations, and dispute resolution shall survive termination.

Governing Law

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

Courts in Melbourne, Victoria shall have exclusive jurisdiction over disputes arising from these terms.

Users accessing services from outside Australia do so at their own initiative and are responsible for compliance with local laws.

Modifications to Terms

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

Significant changes will be communicated via email and website notifications at least 30 days before taking effect.

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

General Legal Provisions

Complete Agreement

These terms, together with our privacy policy, constitute the complete agreement between you and caleronivia.com.

Severability

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

Waiver of Rights

Failure to enforce any provision does not constitute a waiver of our right to enforce it in the future.

Assignment of Rights

We may assign our rights and obligations under these terms without restriction. You may not assign your rights without our written consent.

Terms Contact Information

For questions about these terms and conditions, please contact us: