Terms & Conditions

Acceptance of Terms

By accessing and using dresovantelia's financial planning subscription service, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

Your continued use of our services constitutes ongoing acceptance of these terms, including any updates or modifications we may make.

Definitions and Interpretations

For clarity and consistency, the following terms have specific meanings throughout these conditions:

• "Services": Our financial planning subscription service, consultations, resources, and related support provided through dresovantelia
• "Subscription": Your monthly recurring payment arrangement for access to our financial planning services
• "Client" or "You": The individual or entity who subscribes to and uses our financial planning services
• "Content": All information, advice, materials, and resources provided through our services and website

Use of Our Services

Our financial planning services are designed to provide ongoing guidance and support for your financial decisions, subject to the following conditions:

Service Eligibility

Our services are available to individuals aged 18 and over who are residents of Australia. You must provide accurate information about your financial circumstances and maintain the confidentiality of your account details.

Account Registration and Maintenance

To access our services, you must create and maintain an account with accurate information:

• Provide current and complete personal and financial information
• Maintain the security of your login credentials and notify us of any unauthorized access
• Update your information promptly when circumstances change

Your Responsibilities as a Client

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

• Provide honest and complete information about your financial situation and goals
• Actively participate in consultations and implement agreed-upon recommendations
• Notify us promptly of any significant changes to your circumstances
• Use our services only for lawful personal financial planning purposes

Prohibited Uses

You may not use our services for any of the following activities:

• Providing false or misleading information about your financial circumstances
• Sharing your account access with unauthorized individuals
• Using our content or advice for commercial purposes without permission
• Attempting to disrupt or interfere with our service operations
• Violating any applicable laws or regulations in connection with our services

Intellectual Property Rights

All content, materials, methodologies, and resources provided through our services remain the intellectual property of dresovantelia and are protected by Australian and international copyright laws.

You receive a limited, non-transferable license to use our materials solely for your personal financial planning purposes.

Payment Terms and Billing

Your subscription includes the following payment obligations:

• Monthly subscription fees are charged in advance on your billing date
• All prices include applicable taxes and are quoted in Australian dollars
• Payment must be made by valid credit card or approved payment method

Refund and Cancellation Policy

You may cancel your subscription at any time with 30 days' written notice. No refunds are provided for partial months, and service continues until the end of your current billing period.

Service Disclaimers

Our financial planning services provide general guidance and analytical reviews based on your individual circumstances. We do not guarantee specific financial outcomes or returns on any recommendations.

Limitation of Our Liability

Our liability for any claims arising from our services is limited to the amount you paid for services in the 12 months preceding the claim.

We are not liable for indirect, consequential, or punitive damages, including lost profits or missed financial opportunities.

Your Indemnification Obligations

You agree to indemnify and hold harmless dresovantelia, our employees, and affiliates from any claims, damages, or expenses arising from your misuse of our services or violation of these terms.

Dispute Resolution Process

We are committed to resolving any disagreements fairly and efficiently:

Arbitration Procedures

Disputes not resolved through direct negotiation will be settled through binding arbitration in accordance with Australian arbitration rules, with proceedings conducted in Melbourne, Australia.

Alternative Dispute Resolution

Eligible clients may also access the Australian Financial Complaints Authority (AFCA) or other approved dispute resolution services for complaints about our financial services.

EU Online Dispute Resolution Platform

Service Termination

Either party may terminate the subscription relationship with appropriate notice. We reserve the right to suspend services immediately for violation of these terms or non-payment.

Upon termination, your access to services and materials will cease, though these terms continue to apply to any remaining obligations.

Governing Law and Jurisdiction

All disputes will be resolved under the laws of Australia, with jurisdiction in Australian courts. Any legal proceedings must be commenced in the appropriate Australian jurisdiction.

Severability of Terms

If any provision of these terms is found to be unenforceable, the remaining terms continue in full effect, and the unenforceable provision will be replaced with a similar enforceable provision.

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and dresovantelia regarding our services.

Updates to These Terms

We may modify these terms periodically to reflect changes in our services or legal requirements. Material changes will be communicated with at least 30 days' notice to active subscribers.

Questions About These Terms

For questions or concerns about these Terms & Conditions, please contact us using the information provided in our contact section.