Terms and Conditions
Last updated: September 15, 2025
Acceptance of Terms
By accessing and using caleronivora's website and services, you accept and agree to be bound by the terms and provision of this agreement.
These terms constitute a legally binding agreement between you and caleronivora Financial Planning.
Service Description
caleronivora provides monthly financial planning consultations for a subscription fee of $250 per month (including GST).
Our services include personalized financial guidance, budgeting assistance, and ongoing consultation support, but do not constitute specific advice recommendations.
User Eligibility
To use our services, you must meet the following requirements:
- Be at least 18 years of age
- Have legal capacity to enter into contracts
- Provide accurate and complete information
User Responsibilities
As a user of our services, you agree to:
Provide accurate and truthful information about your financial situation
Keep your account information and login credentials secure
Pay subscription fees on time and in full
Use our services only for lawful purposes
Prohibited Uses
You may not use our services for any of the following purposes:
- Any illegal or unauthorized purpose
- Transmitting viruses or malicious code
- Attempting to gain unauthorized access to our systems
- Harassing or abusing our staff or other users
- Violating any applicable laws or regulations
Intellectual Property
All content, trademarks, and data on this website, including but not limited to software, databases, text, graphics, icons, and hyperlinks, are the property of caleronivora and are protected by Australian and international copyright laws.
All content, design elements, and materials on this website are protected by Australian copyright law and international treaties. Unauthorized reproduction is prohibited.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices. Privacy Policy
Payment Terms
Subscription services are billed monthly in advance. Payment terms include:
- Monthly subscription fee of $250 (including 10% GST)
- Payments due on the same date each month
- No refunds for partial months or unused services
Disclaimers
Our services are provided on an "as is" basis. Past performance does not guarantee future results. Individual results may vary.
We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of information provided through our services.
Limitation of Liability
To the maximum extent permitted by Australian law, caleronivora shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
Our total liability for any claim arising from our services shall not exceed the amount paid by you for services in the 12 months preceding the claim.
Indemnification
You agree to indemnify and hold harmless caleronivora and its officers, directors, and employees from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Dispute Resolution
We are committed to resolving disputes fairly and efficiently:
Arbitration
Any disputes arising from these terms or our services shall be resolved through binding arbitration under Australian commercial arbitration rules.
Arbitration proceedings will be conducted in accordance with the Australian Centre for International Commercial Arbitration (ACICA) rules.
Online Dispute Resolution
For international clients, we participate in online dispute resolution procedures where applicable.
Learn more about dispute resolution options: https://ec.europa.eu/consumers/odr
Termination
Either party may terminate this agreement at any time with 30 days written notice. You may cancel your subscription through your account dashboard or by contacting us directly.
Upon termination, your access to services will cease, and any outstanding payments will become due immediately.
Governing Law
Any disputes arising from your use of this website will be subject to the exclusive jurisdiction of Australian courts.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These terms constitute the entire agreement between you and caleronivora regarding your use of our services, superseding any prior agreements.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website.
Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
Contact Information
If you have questions about these Terms and Conditions, please contact us using the information provided on our website.
Level 15, 123 Collins Street, Melbourne VIC 3000, Australia