Terms and Conditions of Service

Welcome to Our Terms of Service

These Terms and Conditions govern your use of cytherialumo's financial planning subscription service and website. Please read these terms carefully before using our services.

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

Important Definitions

For clarity, the following terms have specific meanings throughout this agreement:

• "Service" refers to our financial planning subscription service, consultations, and analytical reviews
• "User" or "Client" refers to any individual who accesses our website or subscribes to our services
• "Content" includes all information, data, text, and materials provided through our service
• "Company," "we," "us," or "our" refers to cytherialumo Financial Planning Pty Ltd

Service Usage Terms

Our financial planning subscription service is designed to provide personalized consultations and analytical reviews to help you achieve your financial goals.

Eligibility Requirements

Our services are available to individuals aged 18 and over who can legally enter into binding contracts under Australian law.

Your Responsibilities as a Client: Your Responsibilities as a Client

Your Responsibilities as a Client

As a subscriber to our financial planning service, you agree to:

• Provide accurate and complete information during consultations
• Maintain the confidentiality of your account credentials
• Pay all applicable fees according to your subscription terms
• Use our service only for lawful purposes
• Respect the intellectual property rights of our content

Prohibited Activities

You may not use our service to:

• Violate any applicable laws or regulations
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with other users' access to our service
• Use our service for commercial purposes without permission

Intellectual Property Rights

All content, materials, and intellectual property on our website and within our service remain the exclusive property of cytherialumo Financial Planning Pty Ltd and are protected by Australian and international copyright laws.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our comprehensive Privacy Policy.

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

Payment and Subscription Terms

Our subscription service operates on the following payment terms:

• Monthly subscription fees are charged in advance on your billing date
• All fees are quoted in Australian dollars and include applicable taxes
• Payment methods include credit card, debit card, and bank transfer

Service Disclaimers

Important disclaimers regarding our financial planning consultations:

Limitation of Liability

To the maximum extent permitted by Australian law, our liability for any claims arising from your use of our service is limited to the amount paid by you in the 12 months preceding any claim.

Our maximum liability shall not exceed your annual subscription fees.

Indemnification

You agree to indemnify and hold harmless cytherialumo Financial Planning Pty Ltd from any claims, damages, or expenses arising from your use of our service or breach of these terms.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently:

Termination of Service

Either party may terminate the subscription service with 30 days written notice. We reserve the right to suspend or terminate accounts that violate these terms.

Upon termination, access to consultations and analytical reviews will cease at the end of your current billing period.

Governing Law and Jurisdiction

Any disputes arising from the use of our service shall be resolved under Australian law and jurisdiction.

Changes to Terms

We may modify these terms periodically to reflect changes in our service or legal requirements. Material changes will be communicated via email or website notice.

Your continued use of our service after changes take effect constitutes acceptance of the modified terms.

Severability

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

Entire Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and cytherialumo Financial Planning Pty Ltd.

Contact Information for Terms

For questions about these Terms and Conditions, please contact us: