Terms & Conditions
Service Agreement
These terms govern your use of our financial planning services and website.
By using our services, you agree to be bound by these terms and conditions.
Definitions
For the purposes of this agreement, the following terms have these meanings:
- Service: Our financial planning consultation and advisory services provided through subscription
- Client: Any individual or entity using our services or accessing our website
- Content: All information, materials, and advice provided through our services
- Agreement: These terms and conditions along with our privacy policy and disclaimers
Service Usage Rights
Your subscription grants you the following usage rights:
Permitted Uses
- Access to personalised financial planning consultations
- Use of materials and resources provided during consultations
- Communication with our planning team regarding your account
Your Responsibilities
As a client, you agree to:
- Provide accurate and complete information for planning purposes
- Notify us of significant changes to your financial situation
- Comply with all applicable laws and regulations
- Use our services in good faith and for legitimate purposes
Prohibited Activities
The following activities are strictly prohibited:
- Sharing login credentials or account access with others
- Using our services for illegal or fraudulent activities
- Attempting to reverse engineer or copy our methodologies
- Misrepresenting your identity or financial situation
- Using our services to compete with our business
Intellectual Property
All content, methodologies, and materials provided remain our intellectual property and may not be reproduced without permission.
You may not copy, distribute, or create derivative works from our proprietary materials.
Privacy and Data Protection
We collect and process personal information in accordance with our Privacy Policy and applicable Australian privacy laws.
Our Privacy Policy forms part of this agreement and governs how we handle your personal information.
Payment and Subscription Terms
Payment terms for our subscription service:
- Monthly subscription fee of $250 AUD charged in advance
- All fees include GST where applicable and are non-refundable
- Payment must be current to maintain access to services
Limitation of Liability
Our total liability is limited to the amount paid for services in the 12 months preceding any claim.
We exclude liability for indirect, consequential, or punitive damages to the maximum extent permitted by law.
Dispute Resolution
We encourage resolution of disputes through direct communication, but formal processes are available if needed.
Internal Resolution
Most disputes can be resolved through our internal complaint handling process.
We aim to respond to complaints within 14 days and resolve issues fairly and efficiently.
External Dispute Resolution
If internal resolution is unsuccessful, external dispute resolution is available.
Australian Financial Complaints Authority (AFCA)
AFCA provides free dispute resolution services for eligible financial service complaints.
Termination
Either party may terminate this agreement with 30 days written notice.
Upon termination, access to services will cease, but confidentiality obligations continue.
Governing Law
This agreement is governed by Australian law and subject to the jurisdiction of Australian courts.
Changes to Terms
We may modify these terms with reasonable notice to reflect changes in our services or legal requirements.
Significant changes will be communicated via email or website notification.
Entire Agreement
These terms, together with our Privacy Policy and disclaimers, constitute the complete agreement between parties.
Contact Information
For questions about these terms or our services, please contact us using the information provided on our website.
Email us at contact@frilanovexa.com
Level 15, 1 Collins Street, Melbourne VIC 3000
Effective Date: September 4, 2025
Version 2.1 - Updated to reflect current service offerings