Terms and Conditions of Service

These Terms and Conditions govern your use of xirisavioavero financial planning services and website. By accessing our services, you agree to comply with these terms.

Your use of our website and services constitutes acceptance of these terms and conditions, as updated from time to time.

Key Definitions

The following terms have specific meanings throughout this agreement:

• "Services" refers to financial planning consultations, guidance, and related support provided by xirisavioavero
• "Client" means any individual who subscribes to or uses our financial planning services
• "Content" includes all information, advice, materials, and communications provided through our services
• "Platform" refers to our website, systems, and digital infrastructure used to deliver services

Service Description and Scope

xirisavioavero provides subscription-based financial planning consultations designed to help clients understand their financial position and explore potential strategies. Our services include personalised discussions, general guidance, and ongoing support through monthly consultations.

Client Responsibilities and Obligations

As a client, you agree to the following responsibilities:

• Provide accurate and complete information during consultations and communications
• Maintain confidentiality of any access credentials or sensitive information
• Use services only for legitimate personal financial planning purposes
• Comply with all applicable laws and regulations in your jurisdiction
• Notify us promptly of any changes to your contact information or circumstances

Prohibited Uses and Activities

The following activities are strictly prohibited:

• Using our services for illegal activities or fraudulent purposes
• Sharing access credentials or allowing unauthorised use of your account
• Attempting to disrupt, damage, or gain unauthorised access to our systems
• Reproducing or distributing our proprietary content without permission

Intellectual Property Rights

All content, materials, and intellectual property associated with our services remain the exclusive property of xirisavioavero. Clients receive limited, non-transferable usage rights for personal financial planning purposes only.

Payment Terms and Billing

Subscription fees of $250 per month are charged in advance via secure payment processing. All prices include applicable GST. Payment is due monthly on your subscription anniversary date.

Privacy and Data Protection

Your personal information is collected, used, and protected according to our Privacy Policy. We implement appropriate security measures and comply with Australian privacy legislation. Privacy Policy

Limitation of Liability

xirisavioavero's liability for any claims related to our services is limited to the amount paid for services in the 12 months preceding the claim.

Client Indemnification

Clients agree to indemnify xirisavioavero against any claims arising from misuse of services, violation of terms, or failure to comply with applicable laws and regulations.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently:

Service Termination

Either party may terminate the subscription with 30 days written notice. Termination takes effect at the end of the current billing period. Certain obligations survive termination.

Governing Law and Jurisdiction

These terms are governed by Australian law and subject to the jurisdiction of Australian courts. Specific state and territory laws may also apply depending on your location.

Severability of Terms

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect without impairment.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced documents, constitute the complete agreement between parties.

Modifications to Terms

We reserve the right to modify these terms with reasonable notice. Continued use of services after changes constitutes acceptance of updated terms.

Terms and Conditions Contact

For questions about these terms or legal matters, contact us: