Terms and Conditions
Welcome to yarenovialex's terms and conditions. These terms govern your use of our financial planning consultation services and establish the framework for our professional relationship.
These terms were last updated on August 28, 2025
Agreement to Terms
By subscribing to our services, submitting consultation requests, or using our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please do not use our services.
These terms constitute a legally binding agreement between you and yarenovialex, effective from the date you first use our services.
Service Description and Scope
yarenovialex provides financial planning consultation services through a subscription model. Our services include personalized consultations, analytical reviews, and ongoing guidance related to personal finance management and resource allocation strategies.
Our consultations focus on general financial planning approaches and do not constitute specific investment advice, tax planning, or legal recommendations requiring licensed professional services.
Your Responsibilities as a Client
As a subscriber to our financial planning services, you agree to:
- Provide accurate and complete information during consultations and service registration
- Use our services and consultation materials for personal financial planning purposes only
- Maintain the confidentiality of your account access credentials and subscription details
- Notify us promptly of any changes to your contact information or service requirements
Prohibited Activities
You may not use our services for:
- Any unlawful purposes or activities that violate Australian financial services regulations
- Sharing consultation materials or proprietary content with unauthorized third parties
- Attempting to reverse engineer, reproduce, or distribute our consultation frameworks
- Using our services to provide financial advice to others or for commercial purposes
Intellectual Property Rights
yarenovialex Proprietary Materials
All consultation materials, analytical frameworks, and content provided through our services remain the intellectual property of yarenovialex. You receive a limited license to use these materials for personal financial planning only.
Your Information and Feedback
You retain ownership of personal information shared during consultations, while granting us permission to use anonymized insights to improve our services and develop general financial planning resources.
Subscription and Payment Terms
Our financial planning services operate on a subscription basis with the following terms:
- • Monthly subscription fee of $250 AUD, inclusive of GST, billed in advance
- • Payment due on the same date each month from your initial subscription date
- • Automatic renewal unless cancelled with 30 days written notice before next billing cycle
Service Termination
Client-Initiated Termination
You may cancel your subscription at any time with 30 days written notice. Cancellation takes effect at the end of your current billing period, and no partial refunds are provided for unused portions of paid subscription periods.
yarenovialex-Initiated Termination
We may terminate services immediately for breach of these terms, fraudulent activity, or failure to pay subscription fees. We may also discontinue services with 60 days notice for business reasons.
Service Disclaimers and Warranties
Our financial planning consultation services are provided "as is" without warranties of specific outcomes, financial improvements, or guaranteed results from our guidance and analytical reviews.
We disclaim all warranties, express or implied, including merchantability, fitness for particular purposes, and non-infringement, to the maximum extent permitted by Australian law.
Liability Limitations
yarenovialex's liability for any claims arising from our services is limited to the amount you paid for subscription fees in the 12 months preceding the claim. We are not liable for consequential, indirect, or punitive damages.
This limitation applies to all claims, whether based in contract, tort, negligence, or other legal theories, except where prohibited by applicable Australian consumer protection laws.
Dispute Resolution
Dispute Resolution Process
Disputes arising from these terms or our services shall first be addressed through good faith negotiation. If resolution cannot be reached within 60 days, disputes may be submitted to binding arbitration under Australian Commercial Arbitration Rules.
Arbitration proceedings shall be conducted in English in the state where our primary business operations are located, with each party bearing their own costs unless otherwise awarded by the arbitrator.
International Dispute Resolution
For international clients, disputes may be addressed through appropriate international arbitration mechanisms or the dispute resolution procedures of your local jurisdiction.
Australian Financial Services Framework
These terms are governed by Australian law and the laws of the state where our services are primarily delivered. Courts in that jurisdiction have exclusive authority over disputes not resolved through arbitration.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of personal information is detailed in our Privacy Policy, which forms part of these terms and should be reviewed alongside this agreement.
Terms Modification
We may update these terms periodically to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated to active subscribers at least 30 days before taking effect.
Continued use of our services after changes become effective constitutes acceptance of the updated terms. If you disagree with changes, you may terminate your subscription according to the cancellation procedures outlined above.
Complete Agreement
These terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and yarenovialex regarding our financial planning services, superseding any previous agreements or understandings.
Business Contact Details
For questions about these terms or to provide required notices, contact us at: