Terms & Conditions of Service

Service Agreement

These Terms & Conditions govern your use of myridianovae financial planning services and constitute a binding agreement between you and our company.

By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

Last updated: September 8, 2025

Important Definitions

The following definitions apply throughout this agreement and help clarify key terms.

• "Service" means our financial planning consultations and related advisory services.
• "User" or "Client" means individuals who subscribe to our services.
• "Content" includes all information, advice, and materials provided through our services.
• "Agreement" refers to these Terms & Conditions and related policies.

Service Eligibility

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

18+ only

By using our services, you represent that you meet these eligibility requirements.

Client Responsibilities

As a client, you agree to several important responsibilities to ensure effective service delivery.

• Provide accurate and complete information about your financial situation
• Maintain the confidentiality of your account information
• Use our services only for lawful purposes
• Comply with all applicable laws and regulations
• Notify us promptly of any changes to your circumstances

Prohibited Activities

The following activities are strictly prohibited when using our services.

• Engaging in illegal activities or fraud
• Attempting to harm our systems or other users
• Sending spam or unsolicited communications
• Introducing viruses or malicious software
• Impersonating others or providing false information
• Unauthorized data extraction or scraping

Intellectual Property Rights

All content, materials, and intellectual property related to our services remain the property of myridianovae.

We grant you limited, non-exclusive access to our materials for personal use only.

You may not copy, distribute, or commercially exploit our proprietary materials without written permission.

Privacy Protection

We are committed to protecting your privacy and handling personal information in accordance with Australian privacy laws.

Detailed privacy practices are outlined in our Privacy Policy, which forms part of this agreement.

Subscription and Payment Terms

Our financial planning services are provided on a monthly subscription basis at AUD $250 per month, inclusive of GST.

Subscription fees are billed monthly in advance and are non-refundable except as required by Australian Consumer Law.

Refunds may be provided within the first 14 days of initial subscription in accordance with consumer protection laws.

Service Termination

Either party may terminate this agreement with 30 days written notice. We may terminate immediately for breach of terms.

Upon termination, your access to services will cease and no further charges will apply.

Provisions regarding liability, intellectual property, and dispute resolution survive termination.

Service Disclaimers

Our services are provided "as is" without warranties of any kind, express or implied.

We make no guarantees about specific financial outcomes or results from our consultations.

Past performance does not guarantee future results.

Financial planning involves risk. Carefully consider your financial situation before making decisions.

Liability Limitations

Our liability is limited to the maximum extent permitted under Australian Consumer Law.

We exclude liability for indirect, consequential, or special damages arising from service use.

Total liability for any claims is limited to the amount paid for services in the preceding 12 months.

Client Indemnification

You agree to indemnify myridianovae against claims arising from your breach of these terms or misuse of services.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through established channels.

Arbitration Agreement

Disputes will be resolved through binding arbitration under the rules of the Australian Commercial Disputes Centre.

Arbitration will be conducted in Melbourne, Victoria, under Australian law.

You waive the right to participate in class action lawsuits regarding service disputes.

Alternative Dispute Resolution

We participate in alternative dispute resolution procedures for eligible complaints.

Our contact email for dispute resolution: contact@myridianovae.com

Governing Law

This agreement is governed by the laws of Australia and the state of Victoria.

Australian courts have exclusive jurisdiction over any disputes arising from this agreement.

Agreement Modifications

We may modify these terms at any time by posting updated versions on our website.

Significant changes will be communicated via email with 30 days notice.

Continued use of services after changes constitutes acceptance of modified terms.

Severability Provision

If any provision is deemed invalid or unenforceable, remaining provisions continue in full effect.

Complete Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between parties.

Terms & Conditions Contact

For questions about these terms or to report violations, contact us using the information below.