Terms and Conditions

Acceptance of Terms

I agree to the Terms & Conditions

By using our services, you agree to be bound by these terms and conditions. Please read them carefully before proceeding.

Definitions

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

• • "Services": Financial planning consultations and related services provided by iocelienesi
• • "Subscription": Monthly recurring payment arrangement for ongoing access to services
• • "Client": Individual or entity subscribing to and using our services
• • "Personal Information": Any information relating to an identified or identifiable person

Use of Service

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

Permitted Use

You may use our services for legitimate financial planning purposes in accordance with these terms and applicable laws.

Prohibited Activities

The following activities are strictly prohibited:

• • Providing false or misleading information
• • Using services for illegal purposes
• • Interfering with service functionality or security
• • Sharing account access with unauthorized persons
• • Attempting to reverse engineer or copy our methods

User Responsibilities

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

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services remain the exclusive property of iocelienesi.

All materials are protected by Australian and international copyright laws.

You are granted a limited, non-transferable license to use our services for personal purposes only.

Privacy and Data Protection

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

By using our services, you consent to data collection and processing as described in our Privacy Policy. Privacy Policy

Payment Terms

The following terms apply to all payments and subscriptions:

• • Monthly subscription fee of $250 AUD (including GST)
• • Payments are processed automatically on your billing date
• • Failed payments may result in service suspension

Disclaimers

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

We disclaim all warranties including merchantability, fitness for purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, iocelienesi's liability is limited to the amount paid for services in the preceding 12 months.

We shall not be liable for indirect, incidental, consequential, or punitive damages.

Our total liability shall not exceed the subscription fees paid in the last 12 months.

Indemnification

You agree to indemnify iocelienesi against claims arising from your use of our services or breach of these terms.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Termination

Either party may terminate the subscription with 30 days' written notice. We may terminate immediately for breach of terms.

Upon termination, access to services will cease and certain provisions of these terms will survive termination.

Governing Law

These terms are governed by Australian federal and state laws, without regard to conflict of law principles.

Australian courts have exclusive jurisdiction over disputes arising from these terms.

Severability

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

Entire Agreement

These terms constitute the complete agreement between you and iocelienesi regarding the use of our services.

Changes to Terms

We may modify these terms from time to time. Material changes will be communicated with appropriate notice.

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

Contact Information

If you have questions about these terms, please contact us using the information provided in our contact section.