Terms and Conditions

By accessing or using our financial planning subscription service, you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this service.

We reserve the right to update or modify these terms at any time without prior notice. Your continued use of the service following any changes constitutes acceptance of those changes.

Zenqualophris Financial Planning Pty Ltd provides financial planning subscription services. The service includes access to financial planning tools, resources, and guidance. The specific features and benefits of your subscription are outlined on our pricing page.

We reserve the right to modify, suspend, or discontinue any aspect of the service at any time without notice.

As a user of our service, you agree to:

• • Provide accurate, current, and complete information during registration
• • Maintain the security of your account credentials
• • Notify us immediately of any unauthorized access to your account
• • Use the service only for lawful purposes
• • Not share your account access with others
• • Comply with all applicable laws and regulations

You are solely responsible for all activities that occur under your account.

You may not use our service to:

• • Violate any laws or regulations
• • Infringe upon intellectual property rights
• • Transmit malicious code or viruses
• • Engage in fraudulent activities
• • Harass, abuse, or harm other users
• • Attempt to gain unauthorized access to our systems
• • Reverse engineer or decompile any part of the service
• • Use automated systems to access the service without permission

Subscription fees are billed in advance on a monthly basis. Payment is due upon subscription and will automatically renew unless cancelled.

Key payment terms:

• • All fees are non-refundable unless otherwise stated
• • Prices are subject to change with 30 days notice
• • You are responsible for all applicable taxes
• • Failed payments may result in service suspension

All content, features, and functionality of our service, including but not limited to text, graphics, logos, and software, are the exclusive property of Zenqualophris Financial Planning Pty Ltd and are protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from our service without our express written permission.

Your use of our service is also governed by our Privacy Policy. By using the service, you consent to the collection and use of information as detailed in our Privacy Policy.

We implement reasonable security measures to protect your personal information, but cannot guarantee absolute security.

Our service is provided "as is" and "as available" without any warranties of any kind, either express or implied.

To the fullest extent permitted by law, Zenqualophris Financial Planning Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the service.

Past performance does not guarantee future results. Individual results may vary based on personal circumstances and market conditions.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use the service will cease immediately. You may cancel your subscription at any time through your account settings.

Any disputes arising out of or relating to these Terms or the service shall first be attempted to be resolved through good faith negotiations.

If negotiations fail, disputes shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration body in our jurisdiction.

For EU residents: You may also use the EU Online Dispute Resolution platform available at https://ec.europa.eu/consumers/odr

Class action lawsuits and class-wide arbitrations are not permitted. You may only resolve disputes with us on an individual basis.