Terms and Conditions
Introduction and Acceptance
These Terms and Conditions govern your use of naviraeriparia's financial planning subscription services. By subscribing to our services or using our website, you agree to be bound by these terms.
If you do not agree to these terms, please do not use our services or website.
Key Definitions
For clarity, these terms have the following meanings throughout this agreement:
- "Services" refers to our monthly financial planning subscription, consultations, and analytical reviews
- "Client" or "you" refers to the individual or entity subscribing to our services
- "Company" or "we" refers to naviraeriparia Financial Services Pty Ltd
- "Subscription" refers to the ongoing monthly service arrangement at $250 per month
Service Description
Our subscription service provides monthly financial planning consultations, analytical reviews, and general guidance on money management topics. Services are delivered through phone consultations, email communication, and written analytical summaries as appropriate to your needs.
Client Responsibilities
As a client, you agree to the following responsibilities:
- Provide accurate and complete information relevant to your financial planning needs
- Attend scheduled consultations or provide reasonable notice of cancellation
- Maintain confidentiality of any proprietary methodologies or tools shared during consultations
- Make payments promptly according to the agreed subscription schedule
- Notify us of any changes in circumstances that may affect your financial planning needs
Prohibited Uses
You may not use our services for the following purposes:
- Illegal activities or purposes that violate Australian laws or regulations
- Sharing or redistributing our proprietary information or methodologies without permission
- Attempting to reverse-engineer our analytical processes or systems
- Using information obtained through our services to compete with our business
- Harassment or inappropriate behaviour toward our team members
Intellectual Property Rights
All content, methodologies, analytical frameworks, and materials provided through our services remain the intellectual property of naviraeriparia. You receive a limited license to use this information for your personal financial planning purposes only.
All website content, including text, images, and design elements, is protected by copyright and may not be reproduced without permission.
Payment Terms and Conditions
Your subscription includes the following payment terms:
- Monthly subscription fee of $250 AUD, charged in advance on the same date each month
- All fees are inclusive of GST and exclude any bank or payment processing fees
- Payment must be made via approved methods including direct debit, credit card, or bank transfer
Cancellation and Refunds
You may cancel your subscription at any time with 30 days written notice. No refunds are provided for partial months or services already delivered. Cancellation takes effect at the end of your current billing cycle.
Limitation of Liability
Our liability is limited to the maximum extent permitted by Australian law. We are not liable for indirect, consequential, or special damages arising from your use of our services.
Our total liability to you is limited to the amount you paid for services in the 12 months preceding any claim.
Indemnification
You agree to indemnify naviraeriparia against any claims, damages, or expenses arising from your breach of these terms, misuse of our services, or violation of any applicable laws or third-party rights.
Dispute Resolution Process
We are committed to resolving disputes fairly and efficiently:
Internal Resolution
Initial disputes should be addressed directly with our client services team for prompt resolution.
Unresolved disputes may be referred to mediation or arbitration under Australian commercial arbitration rules.
External Resolution Options
You may also contact the Australian Financial Complaints Authority for independent dispute resolution services.
Privacy and Data Protection
Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these terms. Please review our Privacy Policy for detailed information about data handling practices. Privacy Policy
Termination of Services
We may terminate your subscription immediately for:
- Material breach of these terms that remains uncured after 14 days written notice
- Non-payment of subscription fees after reasonable attempts to collect payment
- Conduct that violates our professional standards or puts our business at risk
Changes to Terms
We may modify these terms periodically to reflect changes in our services, legal requirements, or business practices. We will provide 30 days notice of material changes via email or website notification.
Governing Law and Jurisdiction
Any disputes arising from this disclaimer or our services will be resolved under Australian law in the appropriate Australian courts.
Severability Provision
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, together with our Privacy Policy and any written agreements, constitute the complete agreement between you and naviraeriparia regarding our services.
Contact Information for Terms
For questions about these terms or to provide required notices, please contact us using the information provided in our contact section.
Effective Date: October 1, 2025
Last Updated: October 6, 2025