Terms and Conditions

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

These terms constitute a legally binding agreement between you and siluvanorqe

siluvanorqe provides monthly financial planning consultation services designed to help individuals manage their personal finances and achieve their financial goals

Our services include personalized consultations, financial analysis, and ongoing support through our subscription model

To use our services, you must meet the following requirements

• Be at least 18 years of age and legally capable of entering contracts
• Provide accurate and complete information during registration
• Be an Australian resident or have legal right to receive services in Australia

As a user of our services, you agree to

• Provide accurate, current, and complete information about your financial situation
• Maintain the confidentiality of your account credentials
• Use our services only for lawful purposes and in accordance with these terms
• Notify us promptly of any changes to your contact information or circumstances
• Pay all fees and charges associated with your subscription in a timely manner

You may not use our services for any of the following purposes

• Any illegal activities or violation of applicable laws or regulations
• Transmitting harmful, threatening, or inappropriate content
• Attempting to gain unauthorized access to our systems or other users' accounts
• Using our services to compete with or harm our business interests
• Sharing your account access with unauthorized third parties

All content, materials, and intellectual property on our website and in our services remain the exclusive property of siluvanorqe

This includes but is not limited to text, graphics, logos, software, and methodologies

You are granted a limited, non-exclusive license to use our services for personal purposes only

The following payment terms apply to all subscriptions

• Monthly subscription fees of $250 AUD are due in advance each billing cycle
• All prices include applicable Australian GST where required by law
• Failed payments may result in suspension of services until payment is received
• Fee changes will be communicated at least 30 days in advance

You may cancel your subscription at any time with 30 days written notice. Cancellation takes effect at the end of your current billing period

Refunds are not provided for partial months of service, except where required by Australian Consumer Law

Our total liability for any claims arising from these terms or our services shall not exceed the amount paid by you in the 12 months preceding the claim

You agree to indemnify and hold siluvanorqe harmless from claims arising from your breach of these terms, misuse of services, or violation of applicable laws

We are committed to resolving disputes fairly and efficiently

We reserve the right to terminate or suspend services for breach of these terms, non-payment, or other legitimate business reasons

Upon termination, your access to services will cease, and any outstanding obligations remain in effect

We may update these Terms and Conditions from time to time to reflect changes in our services or legal requirements

Continued use of our services after changes constitutes acceptance of modified terms

These terms are governed by Australian law and subject to the jurisdiction of Australian courts

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and siluvanorqe regarding our services

For questions about these terms, contact us at contact@siluvanorqe.com or +61 324 342 814