Terms and Conditions of Service

Welcome to seraphilyra Financial Planning. These Terms and Conditions govern your use of our website and subscription-based financial planning consultation services. By accessing our website or subscribing to our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our website or services.

Definitions and Interpretation

In these Terms and Conditions, the following definitions apply:

• • "Service" refers to our monthly subscription financial planning consultation service, website, and related resources
• • "Company," "we," "us," or "our" refers to seraphilyra Financial Planning Pty Ltd
• • "User," "you," or "your" refers to individuals or entities using our services
• • "Content" refers to all information, materials, and resources provided through our services

Use of Our Services

Our financial planning consultation services are provided on a subscription basis and subject to the following terms:

Eligibility Requirements

Our services are intended for individuals aged 18 years or older who are seeking financial planning guidance. Users must provide accurate information and have legal capacity to enter into binding agreements.

18+ only

User Responsibilities

As a user of our services, you agree to:

• • Provide accurate and complete information during consultations and registration
• • Maintain confidentiality of your account credentials and notify us of unauthorized access
• • Use our services only for legitimate financial planning purposes
• • Comply with all applicable laws and regulations in your jurisdiction
• • Treat our staff and consultants with respect during all interactions

Prohibited Activities

You agree not to use our services for any of the following prohibited purposes:

• • Attempting to gain unauthorized access to our systems or other users' information
• • Using our services for illegal activities or fraudulent purposes
• • Copying, reproducing, or distributing our proprietary content without permission
• • Interfering with the normal operation of our website or services
• • Impersonating others or providing false identity information
• • Using automated systems to access our services without authorization

Intellectual Property

All content, methodologies, materials, and resources provided through our services are protected by intellectual property laws. We retain all rights to our proprietary content, including consultation frameworks, analytical tools, and educational materials.

We grant you a limited, non-exclusive license to use our services for personal financial planning purposes only. This license does not include rights to reproduce, distribute, or create derivative works based on our content.

User-Generated Content

Information you provide during consultations remains confidential and is used solely for providing our services. You retain ownership of your personal financial information while granting us permission to use it for consultation purposes.

By sharing information with us, you confirm it is accurate and authorize us to use it for providing financial planning services and improving our consultation methodologies.

Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy, which forms part of these terms, explains how we collect, use, and protect your personal information. We comply with applicable Australian privacy laws and maintain appropriate security measures. Privacy Policy

Service Disclaimers

Our services are provided subject to important disclaimers and limitations:

Limitation of Liability

Our liability for any claims arising from our services is limited to the amount paid for subscription services in the 12 months preceding the claim. We are not liable for indirect, consequential, or punitive damages.

We specifically exclude liability for financial losses resulting from market conditions, implementation of discussed strategies, or third-party actions beyond our control.

User Indemnification

You agree to indemnify and hold us harmless from claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of third-party rights.

Service Termination

Either party may terminate the service relationship with 30 days written notice. We reserve the right to immediately terminate services for violation of these terms or inappropriate conduct during consultations.

Upon termination, your access to ongoing consultations will cease, though we will retain records as required by law and provide reasonable transition assistance for active planning matters.

Dispute Resolution

Any disputes arising from these terms or our service relationship will be resolved through the following process:

Arbitration Process

Disputes that cannot be resolved through direct negotiation will be submitted to binding arbitration under Australian arbitration rules. Arbitration will be conducted by a single arbitrator experienced in financial services matters.

EU Online Dispute Resolution

For European Union residents, alternative dispute resolution options are available:

Governing Law

This agreement shall be interpreted according to Australian federal and applicable state financial services regulations.

Severability of Terms

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect. Unenforceable provisions will be modified to the minimum extent necessary to make them valid.

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and seraphilyra Financial Planning regarding our services.

Modifications to Terms

We may update these terms periodically to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated with reasonable advance notice.

Continued use of our services after changes take effect constitutes acceptance of the modified terms. We encourage you to review terms periodically to stay informed of any updates.

Contact Us About Cookies

If you have questions about these Terms and Conditions or need clarification about our service policies, please contact us:

Last updated: September 27, 2025