Terms and Conditions

Service Description

Loravestinquor provides financial planning consultation services through a monthly subscription model priced at $250 per month including GST. Our service includes personalized consultations, financial analysis, and ongoing support to help clients understand and navigate their financial planning needs.

Our consultation service focuses on analytical reviews and personal guidance rather than specific investment management or guaranteed outcomes. We provide information and guidance to help clients make informed financial decisions based on their individual circumstances and goals.

User Responsibilities

By using our services, you agree to the following responsibilities:

• Provide accurate and complete information during consultations and assessments
• Use our website and services in accordance with applicable laws and regulations
• Maintain confidentiality of any login credentials or personal account information
• Notify us promptly of any changes to your contact information or circumstances

Acceptable Use

You agree to use our website and services only for lawful purposes and in accordance with these terms. Prohibited uses include:

Payment and Billing

Our monthly subscription service is billed at $250 per month including GST, payable in advance. Payment is due on the same date each month from your initial subscription date. We accept various payment methods and will notify you of any payment failures or billing issues.

Subscription fees are non-refundable except where required by Australian Consumer Law. You may cancel your subscription at any time, with cancellation taking effect at the end of your current billing period. No partial refunds are provided for unused portions of monthly subscriptions.

Limitation of Liability

Our liability is limited to the fullest extent permitted by Australian law. We provide consultation services but cannot guarantee specific outcomes or results from financial planning discussions. Our total liability for any claim is limited to the amount paid for services in the 12 months preceding the claim.

Intellectual Property

All content on our website, including text, graphics, logos, and design elements, is protected by Australian copyright and intellectual property laws. You may use our website content for personal, non-commercial purposes but may not reproduce, distribute, or modify content without permission.

Any feedback, suggestions, or ideas you provide about our services may be used by us without compensation or attribution. We respect your privacy and intellectual property rights while reserving the right to improve our services based on user input.

Dispute Resolution

Termination

Either party may terminate the service relationship at any time. We may suspend or terminate your access immediately for:

• Violation of these terms and conditions or acceptable use policies
• Non-payment of subscription fees or fraudulent payment activity
• Abusive, threatening, or inappropriate behavior toward staff or other users

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms part of these terms. We comply with Australian Privacy Principles and applicable international data protection regulations where relevant.

Changes to Terms

We may update these terms from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes, we will notify users through our website or direct communication at least 30 days before changes take effect.

Your continued use of our services after term changes constitutes acceptance of the updated terms. If you do not agree with changes, you may cancel your subscription without penalty during the notice period.

Contact Information