Terms and Conditions of Service

Service Agreement Overview

These terms govern your use of our website and financial planning services. Please read carefully before using our services or website.

By accessing our website or engaging our services, you agree to be bound by these terms and conditions.

Last Updated: September 21, 2025

Key Terms and Definitions

The following definitions apply throughout this agreement:

• "Services": Refers to financial planning consultations, advice, and related services provided by girenorius Financial Planning.
• "User" or "Client": Refers to any individual or entity accessing our website or engaging our services.
• "Company" or "We": Refers to girenorius Financial Planning Services and its representatives.
• "Content": Refers to all information, materials, and resources provided through our website and services.

Service Usage Guidelines

Your use of our services is subject to the following conditions:

Eligibility Requirements

Services are available to individuals aged 18 and over who have the legal capacity to enter into binding agreements under Australian law.

18+ only

User Responsibilities

• Provide accurate and complete information during consultations and communications
• Maintain confidentiality of any login credentials or account access information
• Notify us promptly of any changes in circumstances that may affect service delivery

Prohibited Activities

The following activities are strictly prohibited:

• Providing false or misleading information during service delivery
• Using services for illegal purposes or in violation of applicable laws
• Attempting to access unauthorised areas of our systems or website
• Interfering with or disrupting service delivery to other clients
• Reproducing or distributing proprietary content without permission

Intellectual Property Rights

All content, materials, and intellectual property remain the exclusive property of girenorius Financial Planning Services unless otherwise specified.

We grant you limited, non-exclusive access to use our services and content for personal financial planning purposes only.

Commercial use, reproduction, or distribution of our content requires express written permission.

User-Generated Content

By providing information or feedback, you grant us necessary rights to use such content for service delivery and improvement purposes.

You are responsible for ensuring accuracy and appropriateness of information you provide.

We reserve the right to remove or modify user content that violates these terms or applicable laws.

Privacy and Data Protection

Your privacy is important to us. Personal information collection and use are governed by our Privacy Policy.

Please review our Privacy Policy for detailed information about data handling practices.

Service Disclaimers

Services are provided "as is" without warranties of specific outcomes or results. Individual circumstances may affect service effectiveness.

We disclaim all warranties, express or implied, regarding service outcomes, accuracy, or completeness of information provided.

Liability Limitations

Our liability is limited to the maximum extent permitted under Australian law. We are not liable for indirect, consequential, or incidental damages.

Excluded damages include loss of profits, data, or business opportunities arising from service use or reliance on information provided.

Where liability cannot be excluded, it is limited to the amount paid for services in the preceding 12 months.

User Indemnification

You agree to indemnify and hold harmless girenorius Financial Planning Services from claims arising from your breach of these terms or misuse of services.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently:

Service Termination

You may terminate services at any time by providing written notice. Refunds may apply subject to our refund policy.

We reserve the right to terminate services for breach of terms or other legitimate business reasons with appropriate notice.

Termination does not affect obligations that by their nature should survive, including payment obligations and confidentiality requirements.

Governing Law and Jurisdiction

These terms are governed by Australian law and the laws of the state where our principal place of business is located.

Australian courts have exclusive jurisdiction over disputes arising from these terms or service delivery.

Terms Modification

We reserve the right to modify these terms at any time to reflect changes in services, legal requirements, or business practices.

Significant changes will be communicated through website notices or direct communication to active clients.

Continued use of services after changes constitutes acceptance of modified terms.

Severability Provision

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

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between parties regarding service usage.

Legal Contact Information

For questions about these terms or legal matters, contact us using the information provided in our contact section.