Terms and Conditions of Service

Introduction and Agreement

These Terms and Conditions govern your use of peixavovarya Financial Planning Services and constitute a legally binding agreement between you and our company. Please read these terms carefully before engaging our services.

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

Key Definitions

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

  • "Services": Financial planning consultations, analytical reviews, and related advisory services provided by our company
  • "User" or "Client": Any individual or entity who engages our services or uses our website
  • "Content": All information, materials, and resources provided through our services or website
  • "Agreement": These Terms and Conditions, as may be updated from time to time

Use of Our Services

Your use of our services is subject to the following conditions:

Eligibility Requirements

You must be at least 18 years of age and have the legal capacity to enter into binding agreements under Australian law.

18+ only

Account Responsibility

You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account.

Your Responsibilities

As a user of our services, you agree to:

  • Provide accurate and complete information during consultations
  • Use our services only for lawful purposes
  • Respect the intellectual property rights of our content
  • Maintain confidentiality of proprietary information shared during consultations

Prohibited Activities

You may not engage in the following activities:

  • Using our services for any illegal or unauthorized purpose
  • Attempting to gain unauthorized access to our systems
  • Reproducing or distributing our proprietary content without permission
  • Interfering with the proper functioning of our website or services
  • Providing false or misleading information during consultations

Intellectual Property Rights

All content, materials, and proprietary methods used in our services remain the intellectual property of peixavovarya Financial Planning Services. You may not reproduce, distribute, or create derivative works without written permission.

All materials are protected by Australian copyright law and international treaties.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms an integral part of these terms.

Privacy Policy Reference View our complete Privacy Policy

Payment Terms and Conditions

The following terms apply to all payments for our services:

  • Subscription fees are charged monthly in advance at $250 AUD including GST
  • Payment methods include credit card, bank transfer, and other approved methods
  • Refunds are subject to our discretionary assessment and Australian Consumer Law

Limitation of Liability

To the fullest extent permitted by Australian law:

peixavovarya Financial Planning Services disclaims liability for any indirect, incidental, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount paid for services in the preceding 12 months.

Indemnification

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

Dispute Resolution

For complaints or disputes, we are members of the Australian Financial Complaints Authority.

Arbitration Process

Disputes will be resolved through binding arbitration under Australian arbitration rules, conducted in Sydney, New South Wales.

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

Alternative Dispute Resolution

For eligible complaints, free dispute resolution services are available through:

Australian Financial Complaints Authority (AFCA)

AFCA provides free, fair, and independent dispute resolution for financial services.

Termination of Services

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

Upon termination, your access to services will cease, but these terms will survive regarding confidentiality and liability.

Governing Law and Jurisdiction

Commonwealth of Australia and applicable state legislation

Severability

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

Entire Agreement

These terms constitute the entire agreement between you and peixavovarya Financial Planning Services, superseding all prior agreements or understandings.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on our website and become effective immediately upon posting.

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

Contact Information

For questions about these terms, please contact us:

Email: contact@peixavovarya.world

Level 15, 100 Miller Street, North Sydney NSW 2060

These terms are effective as of October 6, 2025

Version 2.1