Terms and Conditions of Service

Service Agreement Terms

These terms and conditions govern your use of velanmorajerio Financial Planning services and website. Please read carefully before using our services.

By using our services, you agree to be bound by these terms and all applicable laws and regulations.

Important Definitions

The following definitions apply throughout these terms and conditions for clarity and understanding.

  • "Service": Financial planning consultations, website access, and related support provided by velanmorajerio Financial Planning
  • "User" or "Client": Any individual who accesses our website or uses our consultation services
  • "Content": All information, materials, and resources provided through our website and consultations
  • "Company": velanmorajerio Financial Planning, including employees, contractors, and authorized representatives

Permitted Use of Services

Our services are provided for legitimate personal financial planning purposes subject to the following conditions.

Authorized Activities

  • Personal financial planning and consultation purposes
  • Accessing information and resources for individual financial decision-making
  • Participating in scheduled consultation sessions and follow-up communications

Your Responsibilities as a Client

Clients have certain obligations to ensure effective service delivery and maintain professional relationships.

  • Provide accurate and complete information during consultations
  • Attend scheduled appointments or provide reasonable notice for changes
  • Respect confidentiality of other clients and proprietary business information
  • Use services in compliance with applicable laws and regulations

Prohibited Uses and Activities

The following activities are strictly prohibited when using our services or accessing our website.

  • Sharing login credentials or allowing unauthorized access to services
  • Using information for illegal activities or unauthorized commercial purposes
  • Attempting to damage, disable, or impair website functionality or security
  • Copying, reproducing, or distributing proprietary content without permission
  • Harassment of staff, advisors, or other clients through any communication channel

Intellectual Property Rights

All content, methodologies, proprietary processes, and materials provided through our services remain the intellectual property of velanmorajerio Financial Planning or our licensed partners.

Unauthorized use, reproduction, or distribution of our intellectual property is prohibited and may result in legal action.

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 in connection with our services. Privacy Policy

Payment Terms and Conditions

Payment terms for our subscription-based financial planning services are as follows.

  • Monthly subscription fees are charged in advance on the same date each month
  • All fees include applicable GST and are non-refundable once services are provided
  • Payment method changes require 7 days advance notice to ensure continuity of service

Service Disclaimers and Limitations

Important limitations and disclaimers regarding our financial planning services and website content.

Services are provided "as is" without warranties of specific outcomes. Individual results may vary based on personal circumstances, market conditions, and implementation of guidance.

Limitation of Liability

velanmorajerio Financial Planning's liability is limited to the amount paid for services in the 12 months preceding any claim. We are not liable for indirect, consequential, or special damages.

Our maximum liability for any single incident or series of related incidents is capped at $10,000 AUD.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through established procedures.

Internal Resolution Process

Initial disputes should be addressed through our internal complaints procedure. We aim to resolve most issues within 30 days of notification.

Unresolved disputes may be escalated to external dispute resolution through appropriate industry bodies.

External Dispute Resolution

Complaints that cannot be resolved internally may be referred to the Australian Financial Complaints Authority.

Australian Financial Complaints Authority

External dispute resolution services are provided at no cost to consumers.

Service Termination Conditions

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

Upon termination, access to services ceases, but confidentiality obligations continue indefinitely.

Governing Law and Jurisdiction

These terms are governed by Australian law and subject to the jurisdiction of Australian courts. State-specific regulations may apply based on your location.

Terms and Conditions Updates

We may update these terms periodically to reflect changes in our services or legal requirements. Updated terms will be posted with revised effective dates.

Continued use of services after term updates constitutes acceptance of the revised conditions.

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and velanmorajerio Financial Planning regarding our services.

Terms and Conditions Questions

If you have questions about these terms or need clarification about any provisions, please contact us using the information below.

Company Name:: velanmorajerio

Email:: contact@velanmorajerio.world

Phone:: +61 358 217 908

Address:: 145 Collins Street, Melbourne VIC 3000, Australia

Effective date: October 2, 2025

Version 2.1 - Updated terms reflecting current service offerings