Terms and Conditions
These terms govern your use of our financial planning subscription services. Please read them carefully before using our services.
Last Updated: August 2, 2025
Effective Date: July 26, 2025
Acceptance of Terms
By accessing our website, subscribing to our services, or engaging in consultations, you agree to be bound by these terms and conditions.
If you disagree with any part of these terms, please do not use our services. These terms may be updated periodically, and continued use indicates acceptance of any changes.
Key Definitions
- "Services": Financial planning consultations, analytical reviews, and related subscription-based advisory services
- "User" or "Client": Any person who subscribes to or uses our financial planning services
- "Company", "We", "Us": Keryntalivos Financial Planning Services Pty Ltd and its authorized representatives
- "Content": All information, advice, materials, and communications provided through our services
Service Description
Our subscription service provides ongoing financial planning consultations and analytical reviews designed to help you understand financial concepts and explore different approaches to money management.
We do not provide specific product recommendations or direct management of your finances. Our role is to facilitate understanding and provide analytical insights to support your financial decision-making process.
User Responsibilities
As a client, you agree to:
- Provide accurate and complete information during consultations
- Use our services only for lawful purposes and personal financial planning
- Maintain confidentiality of any login credentials or account access
- Notify us promptly of any changes to your contact information
- Respect the time and expertise of our advisors during consultations
Prohibited Uses
You may not use our services to:
- Seek advice for illegal financial activities or tax evasion
- Share access credentials with unauthorized third parties
- Attempt to reverse-engineer or copy our proprietary methodologies
- Harass, abuse, or behave inappropriately toward our staff
- Use our services for commercial purposes without written authorization
Intellectual Property Rights
All content, methodologies, tools, and materials provided through our services remain the intellectual property of Keryntalivos Financial Planning Services.
You receive a limited, non-transferable license to use our services for personal financial planning purposes only.
Reproduction, distribution, or commercial use of our content without written permission is strictly prohibited.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. Privacy Policy.
Subscription and Payment Terms
Our services are provided on a monthly subscription basis with payments due in advance. Subscription fees are clearly outlined in your chosen plan and include GST where applicable.
Payment terms and conditions include:
- Monthly subscriptions are billed automatically on your chosen date
- Failed payments may result in temporary service suspension after 7 days
- Subscription changes take effect at the next billing cycle
Service Termination
You may cancel your subscription at any time with 30 days written notice. Cancellation takes effect at the end of your current billing period.
We reserve the right to terminate services for violation of these terms, non-payment, or inappropriate conduct. Refunds are not provided for terminated services due to terms violations.
Service Disclaimers
Our consultations and analytical reviews are for informational and planning purposes only. We do not guarantee specific financial outcomes or results from implementing concepts discussed during our sessions.
All financial decisions remain your responsibility. Individual results may vary based on personal circumstances, market conditions, and implementation of planning concepts discussed.
Past performance does not guarantee future results.
Limitation of Liability
Our liability is limited to the amount you have paid for services in the 12 months preceding any claim. We exclude liability for indirect, consequential, or punitive damages.
We are not liable for losses resulting from market conditions, your financial decisions, or factors beyond our reasonable control.
User Indemnification
You agree to indemnify and hold Keryntalivos harmless from any claims, damages, or expenses arising from your use of our services, misuse of information provided, or violation of these disclaimers.
Dispute Resolution
Dispute Resolution
We encourage direct communication to resolve any concerns. If disputes cannot be resolved through discussion, they will be handled through arbitration or mediation under Australian law.
Any legal proceedings must be commenced within 12 months of the issue arising and will be conducted in Australian courts under Australian jurisdiction.
EU Online Dispute Resolution
EU consumers can access the Online Dispute Resolution platform at:
Governing Law
Australian law governs all aspects of our service relationship
Severability
If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy and service agreements, constitute the complete agreement between you and Keryntalivos Financial Planning Services.
Terms Modifications
We may update these terms periodically to reflect changes in our services, legal requirements, or business practices.
Significant changes will be communicated via email or website notice at least 30 days before taking effect. Continued use of our services indicates acceptance of updated terms.
Contact Information
For questions about these terms or our services, contact us at contact@keryntalivos.com or +61 376-193-466.