Terms and Conditions of Service

Service Agreement Overview

These terms and conditions govern your use of mipatnovaraqoolvia's financial planning subscription service. By subscribing to our service, you enter into a legal agreement with us and agree to comply with these terms.

Your subscription activation constitutes acceptance of these terms and conditions in their entirety.

Important Definitions

For clarity, the following terms have specific meanings throughout this agreement:

  • Service: Our subscription-based financial planning consultation service, including monthly sessions, guidance materials, and ongoing support.
  • Subscriber: Any individual or entity that has activated a paid subscription to our financial planning service.
  • Consultation: Scheduled one-on-one planning sessions conducted via phone, video, or in-person meetings as arranged.
  • Materials: All documents, resources, recommendations, and communications provided as part of your subscription.

Service Usage Terms

Your subscription is subject to proper usage guidelines and restrictions:

Eligibility Requirements

Our service is available to individuals aged 18 and over who can legally enter into binding agreements. Business subscriptions require authorized representative agreement.

Account Responsibility

You are responsible for maintaining confidential login credentials, accurate account information, and timely payment of subscription fees.

Subscriber Responsibilities

As a subscriber, you agree to:

  • Provide accurate and current information during consultations
  • Attend scheduled consultation sessions or provide reasonable notice for rescheduling
  • Use service materials and recommendations responsibly
  • Maintain confidentiality of proprietary planning methodologies shared during consultations
  • Seek independent professional advice before implementing major financial decisions

Prohibited Activities

The following activities are strictly prohibited:

  • Sharing login credentials or allowing unauthorized access to your subscription
  • Recording consultation sessions without explicit written consent
  • Using service materials for commercial purposes or redistribution
  • Attempting to reverse-engineer or copy our planning methodologies
  • Providing false information or misrepresenting your financial situation

Intellectual Property Rights

All content, methodologies, materials, and intellectual property provided through our subscription service remain the exclusive property of mipatnovaraqoolvia. You receive limited usage rights for personal financial planning purposes only.

Unauthorized reproduction, distribution, or commercial use of our materials is prohibited and may result in legal action.

Privacy and Data Protection

Your privacy is protected under our comprehensive Privacy Policy, which forms an integral part of these terms. We collect and process information necessary for service delivery while maintaining strict confidentiality standards. Privacy Policy

Payment and Billing Terms

Subscription billing is governed by the following terms:

Subscription Fees

Monthly subscription fee of $250 AUD plus GST is charged automatically on your billing date. Fees are subject to change with 30 days notice.

Refund Policy

No refunds are provided for subscription fees once consultation sessions are completed. Pro-rated refunds may be available for technical service failures lasting more than 7 consecutive days.

Service Disclaimers and Limitations

Our service is provided with the following important limitations:

We provide consultation services "as is" without warranties of specific outcomes or results. Past performance does not guarantee future results.

Limitation of Liability

Our liability is limited to the subscription fees paid in the 12 months preceding any claim, excluding indirect or consequential damages.

Subscriber Indemnification

Subscribers agree to indemnify mipatnovaraqoolvia against claims arising from misuse of consultation information, implementation of discussed strategies without proper professional advice, or violation of these disclaimer terms.

Dispute Resolution Information

Disputes arising from these terms will be resolved through established Australian mechanisms:

Arbitration Process

Formal disputes will be resolved through binding arbitration under Australian Commercial Arbitration Rules before pursuing litigation.

Arbitration will be conducted in Melbourne, Victoria, with costs shared equally between parties unless otherwise determined by the arbitrator.

Alternative Dispute Resolution

We participate in industry dispute resolution through the Australian Financial Complaints Authority (AFCA) for eligible complaints.

AFCA provides free dispute resolution services for financial service complaints.: Visit AFCA website

Applicable Laws

This disclaimer and your subscription are governed by the laws of Australia, specifically New South Wales jurisdiction.

Service Termination

Either party may terminate the subscription with 30 days written notice. We may terminate immediately for breach of these terms or non-payment.

Upon termination, access to consultation services and materials ceases immediately, though privacy obligations continue indefinitely.

Terms Modifications

We may update these terms to reflect service changes or legal requirements. Material changes require 30 days notice and continued subscription use indicates acceptance.

Terms Severability

If any portion of this disclaimer is deemed unenforceable, the remaining provisions continue in full effect, ensuring ongoing protection for both parties.

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between parties, superseding all previous agreements or understandings.

Terms and Conditions Questions

For questions about these terms or your subscription, please contact us:

Terms Email:: contact@mipatnovaraqoolvia.com

Terms Phone:: +61 871 971 355

Terms Address:: 142 Collins Street, Melbourne VIC 3000

Last updated: August 29, 2025