Terms and Conditions

Agreement to Terms

By accessing and using Equinorbelath, you agree to be bound by these terms and conditions.

These terms constitute a legally binding agreement between you and Equinorbelath Financial Planning Pty Ltd.

Acceptance of Terms

Your use of our website and services indicates your acceptance of these terms. If you do not agree, please discontinue use immediately.

Service Description

We provide subscription-based financial planning services including investment advice, portfolio management, and wealth building strategies for Australian investors.

Our services are delivered through online platforms, personal consultations, and ongoing portfolio monitoring with professional guidance from licensed financial advisors.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information about your financial situation
• Maintain the confidentiality of your account credentials
• Use our services only for lawful purposes
• Notify us promptly of any changes to your circumstances
• Comply with all applicable laws and regulations

Prohibited Uses

You may not use our services to:

• Engage in any fraudulent or illegal activities
• Violate any applicable securities laws or regulations
• Attempt to gain unauthorized access to our systems
• Share your account access with unauthorized parties
• Use our information for competitive purposes

Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Equinorbelath and protected by copyright and trademark laws.

You may not reproduce, distribute, or create derivative works from our content without written permission.

Any feedback or suggestions you provide may be used by us without compensation or attribution.

User-Generated Content

You retain ownership of any content you submit through our services, including personal financial information and communications.

By submitting content, you grant us a license to use, store, and process your information as necessary to provide our services.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

View Privacy Policy

Disclaimers

Our services are provided "as is" without warranties of any kind, either express or implied.

We do not guarantee specific investment returns or outcomes from our advice or recommendations.

Limitation of Liability

Our liability is limited to the amount paid for services in the 12 months preceding any claim.

We shall not be liable for indirect, consequential, or punitive damages arising from your use of our services.

This limitation applies regardless of the legal theory on which the claim is based.

Indemnification

You agree to indemnify us against claims arising from your violation of these terms or misuse of our services.

Termination

Either party may terminate the service agreement with 30 days written notice.

We may terminate your access immediately for violation of these terms or fraudulent activity.

Upon termination, you remain liable for any outstanding fees and our obligations are limited to data return as required by law.

Dispute Resolution

We encourage resolution of disputes through direct communication before formal proceedings.

Governing Law

These terms are governed by the laws of Australia and the state of Victoria.

Any legal proceedings will be conducted in the appropriate courts of Melbourne, Victoria.

Policy Changes

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website.

Significant changes will be communicated via email to registered users at least 30 days in advance.

Severability

If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Equinorbelath.

Contact Information

For questions about these terms, contact us: