Terms & Conditions

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

If you do not agree to these terms, please do not use our website or services.

For the purposes of these Terms and Conditions:

• • "Service" refers to financial planning consultations and related services provided by virelonovia
• • "User" refers to any individual who accesses or uses our website or services
• • "Content" refers to all text, graphics, images, and other materials on our website
• • "Agreement" refers to these Terms and Conditions as may be updated from time to time

Our services are available to residents of Australia who are at least 18 years of age and have the legal capacity to enter into agreements.

As a user of our services, you agree to:

You may not use our services to:

• Engage in any illegal or unauthorised activities
• Transmit harmful, offensive, or inappropriate content
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorised access to our systems
• Use our services for any commercial purposes without permission

All content on our website is owned by virelonovia and protected by Australian and international copyright laws.

We grant you a limited, non-exclusive license to access and use our website for personal use only.

Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use your information:

By subscribing to our services, you agree to the following payment terms:

• Monthly subscription fees of $250 AUD are billed in advance
• All fees include GST where applicable (10% GST included in advertised price)
• Payments are processed on the same date each month from subscription start date

Either party may terminate this agreement under the following circumstances:

Our services are provided on an "as is" basis with the following disclaimers:

We disclaim all warranties, express or implied, to the fullest extent permitted by law

To the extent permitted by Australian law, our liability is limited to the amount you have paid for services in the preceding 12 months.

Under no circumstances shall our total liability exceed $3,000 AUD per user per incident.

Internal Resolution

We encourage resolution of disputes through direct communication with our customer service team before pursuing external remedies.

External Dispute Resolution

Unresolved disputes may be referred to the Australian Financial Complaints Authority (AFCA) for independent resolution.

You agree to indemnify virelonovia against any claims arising from your use of our services, violation of these terms, or infringement of third-party rights.

These terms are governed by Australian law and subject to the jurisdiction of Australian courts. Australian Consumer Law applies to all consumer transactions.

We reserve the right to modify these terms at any time. Updated terms will be posted on our website with a new effective date.

Continued use of our services after changes constitutes acceptance of the updated terms.

If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.