Terms and Conditions

Introduction to Our Terms

These Terms and Conditions govern your use of darovinalethq.com and our financial planning services. By accessing our website or using our services, you agree to be bound by these terms.

Your continued use of our services constitutes acceptance of any updates to these terms.

Definitions

For the purposes of these Terms and Conditions:

• • "Service": refers to our financial planning consultation and advisory services
• • "User" or "You": refers to the individual accessing or using our services
• • "Company" or "We": refers to darovinalethq.com and its representatives
• • "Content": refers to all information, advice, and materials provided through our services

Use of Our Service

You may use our service for lawful purposes only. The following terms apply:

Permitted Uses

• • Accessing information about financial planning services
• • Participating in consultations and planning sessions
• • Using our website features and resources

Prohibited Uses

• • Using our service for illegal or unauthorised purposes
• • Attempting to gain unauthorised access to our systems
• • Harassing or threatening our staff or other users
• • Providing false or misleading information
• • Violating any applicable laws or regulations

User Responsibilities

As a user of our services, you agree to:

• • Provide accurate and complete information
• • Maintain the confidentiality of your account information
• • Use our services in accordance with these terms
• • Notify us of any unauthorised use of your account
• • Comply with all applicable laws and regulations

Account Terms

When you create an account with us:

• • You are responsible for maintaining account security
• • You must provide accurate registration information
• • You are responsible for all activities under your account
• • We may suspend or terminate accounts for violations

Payment Terms

Our subscription service operates under the following payment terms:

• • Monthly subscription fee of $250 AUD plus applicable taxes
• • Payment is due monthly in advance via automatic billing
• • Fees are non-refundable except as required by law
• • We may change pricing with 30 days' notice

Refunds are processed according to Australian Consumer Law requirements and our cancellation policy.

Intellectual Property Rights

Our service contains intellectual property owned by darovinalethq.com:

All content, trademarks, and intellectual property remain our property or that of our licensors.

We grant you a limited, non-exclusive license to use our service for personal financial planning purposes only.

Privacy

Your privacy is important to us and is governed by our Privacy Policy.

Please review our Privacy Policy for detailed information about how we collect and use your information.

Service Disclaimers

Our service is provided on an "as is" basis without warranties of any kind.

We make no guarantees about service availability, accuracy, or results. Individual results may vary.

Please refer to our separate Disclaimer for additional important information.

Limitation of Liability

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

We exclude liability for indirect, incidental, or consequential damages arising from your use of our services.

Indemnification

You agree to indemnify darovinalethq.com against any claims arising from your breach of these terms or misuse of our services.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Termination

Either party may terminate the service relationship for the following reasons:

• • Breach of these terms and conditions
• • Non-payment of subscription fees
• • Voluntary cancellation with appropriate notice

Upon termination, your access to our services will cease and any outstanding obligations remain due.

Governing Law and Jurisdiction

These terms are governed by the laws of Australia.

These terms are governed by Australian law and any disputes will be subject to the jurisdiction of Australian courts.

Changes to Terms

We reserve the right to modify these terms at any time with reasonable notice to users.

Changes will be posted on our website and you will be notified via email of material changes.

Severability

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

Entire Agreement

These terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and darovinalethq.com.

Contact Information

For questions about these Terms and Conditions, contact us at contact@darovinalethq.com or +61 62 167 403.