Terms and Conditions

Service Agreement Terms

These terms and conditions govern your use of daoxaemaryo Financial Planning Services' monthly subscription service and website.

By subscribing to our service or using our website, you agree to be bound by these terms and all applicable laws.

Key Definitions

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

• • Service: Our monthly financial planning subscription including consultations, guidance, and ongoing support
• • Subscriber: Any individual who has purchased our monthly subscription service
• • Content: All information, advice, materials, and communications provided through our service
• • Consultation: Scheduled meetings between subscribers and our qualified financial planning professionals

Service Usage Guidelines

Your subscription grants you access to our financial planning service subject to these terms and conditions.

Your Responsibilities

As a subscriber, you agree to fulfill certain responsibilities to ensure effective service delivery.

• Provide accurate and complete information for planning purposes
• Attend scheduled consultations or provide reasonable notice for cancellations
• Pay subscription fees promptly according to the agreed schedule
• Use the service only for legitimate financial planning purposes

Prohibited Uses

The following activities are strictly prohibited when using our service.

• Sharing account access with unauthorized individuals
• Using the service for illegal or fraudulent activities
• Attempting to reverse engineer or copy our proprietary methods
• Harassing or abusing our staff or other subscribers
• Violating any applicable laws or regulations

Intellectual Property Rights

All content, methods, and materials provided through our service remain our intellectual property or that of our licensors.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

Payment and Billing

Subscription fees are charged monthly in advance and must be paid according to these terms.

• Monthly fees of $250 are due on the same date each month
• Payment must be made via approved methods including credit card or bank transfer
• Late payments may result in service suspension after reasonable notice

Service Termination

Either party may terminate the subscription with 30 days written notice. We reserve the right to terminate immediately for violations of these terms.

Upon termination, access to consultations and materials will cease, though you retain access to previously provided personal planning documents.

Service Disclaimers

Liability Limitations

To the maximum extent permitted by law, our liability for any claims related to our service is limited to the amount you paid in subscription fees during the 12 months preceding the claim.

In no event shall our total liability exceed $3,000 AUD regardless of the nature of the claim.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our service or violation of these terms.

Dispute Resolution

Disputes arising from this agreement shall be resolved through the following process.

Governing Law

Any disputes arising from this disclaimer shall be subject to the exclusive jurisdiction of Australian courts.

Terms Modifications

We may update these terms periodically with reasonable notice to subscribers.

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

Severability

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

Complete Agreement

These terms, along with our Privacy Policy and other referenced policies, constitute the complete agreement between you and daoxaemaryo Financial Planning Services.

Terms Questions

If you have questions about these terms and conditions, please contact us using the information provided.