Terms and Conditions
Terms of Service Agreement
These Terms and Conditions govern your use of denavirylos's financial planning consultation services and website access.
By engaging our consultation services or using our website, you agree to be bound by these terms and our Privacy Policy.
Important Definitions
For clarity, these terms have specific meanings throughout this agreement:
- "Services" refers to financial planning consultations, analytical reviews, and related advisory discussions provided by denavirylos
- "User" or "Client" refers to individuals engaging our consultation services or accessing our website
- "Content" includes all information, materials, and resources provided during consultations or on our website
- "Agreement" encompasses these Terms, Privacy Policy, and any specific consultation agreements
Service Eligibility
Our consultation services are available to individuals who meet specific eligibility requirements.
18+ only
You must be 18 years or older, provide accurate information, and comply with all applicable laws and regulations.
User Responsibilities
As a client of our consultation services, you agree to:
- Provide accurate and complete information during consultation scheduling and sessions
- Maintain confidentiality of any login credentials for our consultation portal
- Use consultation information responsibly and in accordance with professional guidance
- Respect intellectual property rights in all consultation materials and content
- Comply with payment terms and consultation scheduling requirements
Prohibited Activities
The following activities are strictly prohibited when using our services:
- Misrepresenting personal information or financial circumstances during consultations
- Sharing consultation login credentials or accessing accounts without authorization
- Using consultation content for unauthorized commercial purposes
- Attempting to reverse-engineer or copy proprietary consultation methodologies
- Violating any applicable laws or regulations during service engagement
Intellectual Property Rights
All consultation materials, analytical methods, and website content are protected by copyright and intellectual property laws.
Users may not reproduce, distribute, or create derivative works without explicit written permission from denavirylos.
Privacy and Data Protection
Your privacy is protected according to our Privacy Policy, which forms an integral part of these Terms. We process personal information in accordance with Australian Privacy Principles and applicable data protection laws. Privacy Policy
Service Disclaimers
Consultation services are provided "as is" without warranties of specific outcomes or financial results. Individual results may vary significantly based on personal circumstances and market conditions.
We disclaim all warranties, express or implied, regarding consultation outcomes, market predictions, or financial planning success.
Individual results may vary significantly based on personal circumstances, market conditions, and implementation of discussed approaches.
Limitation of Liability
denavirylos's liability for consultation services is limited to the fullest extent permitted by Australian law.
We shall not be liable for indirect, consequential, or punitive damages arising from consultation services or financial planning decisions.
Indemnification Agreement
You agree to indemnify denavirylos against claims arising from your use of consultation services, violation of these terms, or decisions made based on consultation discussions.
Dispute Resolution Process
We are committed to resolving disputes efficiently and professionally:
Arbitration Process
Most disputes will be resolved through binding arbitration in accordance with Australian commercial arbitration rules.
Arbitration proceedings will be conducted in Melbourne, Victoria, with decisions being final and binding.
International Disputes
International clients may access alternative dispute resolution through relevant regulatory bodies in their jurisdiction.
EU residents can use the Online Dispute Resolution platform for cross-border disputes.
Certain disputes involving intellectual property or confidential information may be resolved through court proceedings.
Service Termination
Either party may terminate consultation services with appropriate notice. Termination does not affect obligations that survive termination, including confidentiality and payment requirements.
Upon termination, access to consultation materials and portal services will cease, but confidentiality obligations continue indefinitely.
Governing Law and Jurisdiction
These Terms are governed by Australian law and the laws of Victoria. Any legal proceedings will be conducted in Victorian courts with exclusive jurisdiction.
Severability Clause
If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and consultation agreements, constitute the complete agreement between parties and supersede all prior agreements or understandings.
Terms Modification
We reserve the right to modify these Terms to reflect changes in services, legal requirements, or business practices.
Significant changes will be communicated through email or website notice with at least 30 days advance notice.
Terms Contact Information
For questions about these Terms or consultation agreements, contact us:
Last updated: September 21, 2025
Version 2.3