Terms and Conditions

Service Agreement

These terms and conditions govern your use of narquelosiva's financial planning subscription service and establish the relationship between you and our company.

By using our services, you agree to be bound by these terms and any future modifications we may make.

Key Definitions

For clarity, these terms have specific meanings throughout this agreement:

• • "Service" refers to our monthly financial planning subscription, consultations, and related support
• • "User" or "Client" means any individual who subscribes to or uses our services
• • "Content" includes all information, materials, and advice provided through our platform
• • "Agreement" refers to these terms and conditions plus any additional service agreements

Service Usage Terms

Your use of our service is subject to these conditions:

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding contracts in Australia to use our services.

narquelosiva financial planning services logo: narquelosiva financial planning services logo

Account Responsibilities

You're responsible for maintaining accurate account information, protecting your login credentials, and promptly reporting any unauthorized access.

Your Obligations

As a service user, you agree to:

• • Provide accurate and complete information during consultations
• • Respect the time and expertise of our consultants
• • Use our service for legitimate financial planning purposes only
• • Comply with all applicable laws and regulations
• • Maintain confidentiality of proprietary methodologies shared during consultations

Prohibited Activities

You may not use our service to:

• • Share account access with unauthorized individuals
• • Attempt to reverse engineer or copy our proprietary methods
• • Use information obtained for commercial purposes without permission
• • Engage in any activity that could damage our reputation or operations
• • Violate any applicable laws or regulations

Intellectual Property

All content, methodologies, and materials provided through our service remain the intellectual property of narquelosiva.

We grant you a limited, non-exclusive license to use our materials solely for your personal financial planning purposes.

Information you share during consultations remains your property, though we may use anonymized data for service improvement.

Privacy and Data Protection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of this agreement. Privacy Policy

Service Disclaimers

Our service is provided "as is" without warranties of specific outcomes or financial results.

We make no guarantees about market performance, investment outcomes, or the success of financial strategies discussed.

Individual results may vary.

Limitation of Liability

Our liability is limited to the amount you've paid for services in the 12 months preceding any claim, to the extent permitted by Australian Consumer Law.

We are not liable for indirect, consequential, or punitive damages arising from your use of our services.

Indemnification

You agree to indemnify narquelosiva against claims arising from your use of our services, violation of these terms, or decisions made based on our consultations.

Resolving Disputes

We're committed to fair dispute resolution:

Service Termination

Either party may terminate the subscription with 30 days' notice. We may suspend or terminate service immediately for violations of these terms.

Upon termination, your access to ongoing consultations ends, though you retain access to materials from completed sessions.

Applicable Law

These terms are governed by Australian law, with jurisdiction in the state where our principal office is located.

Terms Modifications

We may modify these terms to reflect changes in our services, legal requirements, or business practices.

Continued use of our service after term changes constitutes acceptance of the modified agreement.

Severability

If any provision is found invalid or unenforceable, the remaining terms continue in full effect.

Complete Agreement

These terms, together with our Privacy Policy and service-specific agreements, constitute the complete agreement between you and narquelosiva.

Terms Questions

For questions about these terms or your service agreement, contact us using the information provided in our main contact section.