Terms and Conditions

Acceptance of Terms

By using our financial planning services or accessing our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Your continued use of our services constitutes ongoing acceptance of these terms and any updates we may make.

Use of Our Services

Our financial planning services are provided subject to the following conditions:

Eligibility Requirements

You must be at least 18 years old and have the legal capacity to enter into binding agreements to use our services.

18+ only

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information for financial planning purposes
• Maintain the confidentiality of your account information and login credentials
• Use our services only for legitimate financial planning purposes
• Comply with all applicable Australian laws and regulations
• Notify us promptly of any changes to your financial situation that may affect your planning

Prohibited Activities

You may not use our services to:

• Engage in any illegal activities or violate any laws or regulations
• Provide false or misleading information during consultations or applications
• Attempt to gain unauthorized access to our systems or other users' information
• Use our services to harm, threaten, or harass others
• Reproduce, distribute, or commercially exploit our proprietary content without permission

Intellectual Property Rights

All content, trademarks, service marks, and intellectual property on our website and in our services remain the exclusive property of Quirophalenos Financial Planning Services. Unauthorized use is strictly prohibited.

© 2025 Quirophalenos Financial Planning Services. All rights reserved.

Privacy Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms and Conditions. Privacy Policy

Service Disclaimers

Limitation of Liability

To the maximum extent permitted by Australian law:

Our total liability for any claims related to our services shall not exceed the amount you paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Quirophalenos Financial Planning Services from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

For dispute resolution, we participate in the Australian Financial Complaints Authority (AFCA) scheme and maintain professional indemnity insurance as required by law.

Termination of Services

Either party may terminate the service relationship with appropriate notice. We reserve the right to suspend or terminate services for violations of these terms.

Upon termination, your access to our services will cease, but these terms will continue to apply to any outstanding obligations.

Governing Law and Jurisdiction

These Terms and Conditions are governed by Australian law. Any disputes will be subject to the exclusive jurisdiction of the appropriate Australian courts.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Quirophalenos Financial Planning Services.

Changes to These Terms

We may update these Terms and Conditions periodically to reflect changes in our services or legal requirements.

Material changes will be communicated through our website or direct notification to active service users.

Contact Information for Terms Questions

If you have questions about these Terms and Conditions, please contact us using the information provided in our contact section.