Terms and Conditions

Terms and Conditions of Service

Welcome to mornavexquilo Financial Planning Services. These Terms and Conditions govern your use of our website and services, forming a legally binding agreement between you and our company.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

If you do not agree with any part of these terms, please discontinue use of our website and services immediately.

Important Definitions

For clarity, the following terms have specific meanings throughout this agreement:

• "Service": Refers to our financial planning consultations, analytical reviews, and related advisory services provided through our subscription model.
• "User" or "Client": Any individual or entity accessing our website or engaging our services.
• "Content": All information, materials, and resources provided through our website and services.
• "Agreement": These Terms and Conditions, along with our Privacy Policy and other referenced policies.

Eligibility Requirements

You must be at least 18 years old and have legal capacity to enter into contracts to use our services.

You represent that you have the authority to bind yourself or your organization to these terms.

You agree to comply with all applicable laws and regulations when using our services.

Acceptable Use of Our Services

Our services are designed to provide financial planning support within specific parameters. Please review the permitted and prohibited uses below.

Permitted Uses

• Accessing consultations and analytical reviews for personal financial planning purposes
• Using provided information to make informed financial decisions for yourself
• Communicating with our team about your specific financial planning needs

Prohibited Uses

• Using services for illegal activities or regulatory violations
• Sharing access credentials with unauthorized parties
• Attempting to reverse engineer or copy our proprietary methods
• Providing false or misleading information about your financial situation
• Using our services to compete with or replicate our business model

Your Responsibilities

As a client, you have specific responsibilities to ensure effective service delivery:

• Providing accurate and complete information about your financial situation
• Maintaining confidentiality of your account access information
• Notifying us promptly of any changes to your contact information
• Using our services in compliance with applicable laws and regulations
• Making independent decisions based on your personal circumstances

Intellectual Property Rights

All content, materials, and proprietary methods used in our services remain the exclusive property of mornavexquilo Financial Planning Services.

We grant you a limited, non-exclusive license to access and use our services for personal financial planning purposes only.

You may not reproduce, distribute, modify, or create derivative works from our proprietary content without express written permission.

Privacy and Data Protection

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

By using our services, you consent to the collection and processing of your personal information as described in our Privacy Policy.

Service Disclaimers

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

We disclaim all warranties regarding the accuracy, completeness, or suitability of information provided through our services.

While we strive to provide accurate information, we cannot guarantee the completeness or currency of all content provided.

Limitation of Liability

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

In no event shall our total liability exceed $1,000 AUD, regardless of the nature or number of claims.

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Client Indemnification

You agree to indemnify and hold harmless mornavexquilo Financial Planning Services from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Termination of Services

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

Upon termination, your access to ongoing services will cease, though certain obligations and rights may survive termination.

Provisions relating to intellectual property, limitation of liability, and dispute resolution shall survive termination of this agreement.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through established processes.

Governing Law

These terms are governed by and construed in accordance with the laws of Australia, specifically New South Wales.

Any legal proceedings shall be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

Changes to Terms

We reserve the right to modify these terms at any time to reflect changes in our services, legal requirements, or business practices.

We will provide reasonable notice of material changes through our website or direct communication.

Your continued use of our services after changes constitutes acceptance of the modified terms.

Severability

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

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and mornavexquilo Financial Planning Services.

Contact Information

For questions about these terms or our services, please contact us using the information provided on our website.