Terms and Conditions of Service

Service Agreement

These Terms and Conditions govern your use of velunarytho's financial planning subscription service and website. By subscribing to our services, you agree to these terms.

Please read these terms carefully before using our services. Your subscription constitutes acceptance of all terms outlined below.

Definitions and Key Terms

For clarity, the following terms have specific meanings in this agreement:

  • Service: Refers to our monthly financial planning subscription including consultations, analysis, and ongoing support
  • Subscriber: An individual who has purchased our monthly subscription service
  • Consultation: Scheduled discussions between subscriber and our financial planning professionals
  • Personal Information: Any data that identifies or relates to an individual subscriber

Service Usage Guidelines

Your subscription includes specific rights and responsibilities regarding service usage:

Permitted Uses

  • Accessing monthly consultation sessions as scheduled
  • Receiving personalized financial planning guidance
  • Using provided resources for personal financial planning

Prohibited Activities

  • Sharing subscription access with unauthorized individuals
  • Using services for commercial or business purposes without agreement
  • Attempting to reverse-engineer or copy proprietary methodologies
  • Misrepresenting information provided during consultations

Subscriber Responsibilities

As a subscriber, you agree to the following responsibilities:

  • Provide accurate and complete information during consultations
  • Maintain confidentiality of any proprietary methods shared
  • Attend scheduled consultations or provide reasonable notice for changes
  • Pay subscription fees on time according to agreed terms

Intellectual Property Rights

All content, methodologies, and materials provided through our service remain the intellectual property of velunarytho. This includes consultation frameworks, analysis tools, and educational resources.

Subscribers may use provided materials for personal financial planning but may not reproduce, distribute, or commercialize our intellectual property.

Payment and Billing Terms

Subscription fees are charged monthly in advance. All prices include GST where applicable. Current pricing is $250 per month.

  • Monthly fees are due on the same date each month as your initial subscription
  • Failed payments may result in service suspension after reasonable notice
  • Refunds are not provided for partial months or unused consultations

Service Termination

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

Upon termination, access to future consultations ceases, but you retain any materials previously provided for personal use.

Limitation of Liability

Our liability for any claims arising from service use is limited to the amount paid for subscription fees in the preceding 12 months.

We specifically exclude liability for indirect damages, lost profits, or consequential losses arising from service use.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through the following process:

Binding Arbitration

Disputes that cannot be resolved through direct negotiation shall be submitted to binding arbitration under Australian Commercial Arbitration Rules.

Arbitration proceedings will be conducted in English in Melbourne, Victoria, with costs shared equally between parties.

Alternative Dispute Resolution

We participate in alternative dispute resolution schemes as required by applicable consumer protection laws.

Online Dispute Resolution Platform

Additional dispute resolution options may be available through industry ombudsman services.

Privacy and Data Protection

Your personal information is protected according to our Privacy Policy and applicable Australian privacy legislation.

Please review our Privacy Policy for complete details on data collection, use, and protection measures.

Indemnification

Subscribers agree to indemnify velunarytho against claims arising from misuse of services, breach of terms, or violation of third-party rights.

Governing Law

These terms are governed by the laws of Australia, without regard to conflict of law principles.

These terms are governed by Australian law and subject to the jurisdiction of Australian courts.

Severability

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

Complete Agreement

These terms, together with our Privacy Policy, constitute the complete agreement between subscriber and velunarytho regarding service use.

Terms Modifications

We may modify these terms with 30 days notice to subscribers. Continued service use constitutes acceptance of modified terms.

Term changes will be communicated via email and posted on our website with updated effective dates.

Questions About Terms

For questions about these Terms and Conditions, please contact us:

Email:: contact@velunarytho.com

Phone:: +61 939-590-657

Address:: 123 Collins Street, Melbourne VIC 3000

These Terms and Conditions were last updated on September 23, 2025

Version 2.1