Terms and Conditions

These Terms and Conditions govern your use of luraventholim Financial Planning's consultation services and website. By engaging our services or using luraventholim.com, you agree to these terms.

Acceptance of Terms

By using our website or engaging our consultation services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. If you disagree with any terms, discontinue use of our services immediately.

Definitions

For clarity, the following terms have specific meanings:

• Service: Financial planning consultations, analytical reviews, and related advisory services provided by luraventholim Financial Planning
• User/Client: Any individual who accesses our website, engages our consultation services, or subscribes to our planning services
• Content: All information, materials, documents, and resources provided through our website and consultation services
• Account: Your registered profile for accessing our services and managing consultation appointments

Acceptable Use of Services

When using our services, you agree to comply with acceptable use standards:

Prohibited Activities

The following activities are strictly prohibited:

• Providing false or misleading information during consultations or registration
• Using our services for illegal activities or violating applicable laws
• Attempting to access unauthorized areas of our website or systems
• Sharing account credentials or allowing unauthorized access to your account
• Reproducing or distributing our proprietary content without written permission

User Responsibilities

As a user of our services, you are responsible for:

• Providing accurate and complete information for effective consultation services
• Maintaining confidentiality of your account credentials and personal information
• Promptly notifying us of any changes to your circumstances or contact details
• Making informed decisions based on consultation discussions and your personal research

Intellectual Property Rights

All content, materials, methodologies, and resources provided through our services remain the intellectual property of luraventholim Financial Planning. Users may access content for personal use only and may not reproduce, distribute, or commercialize our proprietary materials without express written consent.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information during consultation services and website interactions. Privacy Policy

Disclaimers and Warranties

Our consultation services are provided "as is" without warranties of any kind. We disclaim warranties of merchantability, fitness for particular purposes, and guaranteed outcomes. Financial planning involves inherent risks and individual results may vary significantly based on personal circumstances and market conditions.

Limitation of Liability

luraventholim Financial Planning's liability is limited to the amount paid for services in the preceding 12 months. We are not liable for indirect, consequential, or punitive damages. Our consultations provide guidance and analysis; final financial decisions remain your responsibility.

Indemnification

Users agree to indemnify luraventholim Financial Planning against claims arising from misuse of our services, violation of terms, or decisions made based on consultation discussions. This includes legal fees and damages resulting from user actions or omissions.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Service Termination

Either party may terminate consultation services with 30 days written notice. Upon termination, you retain access to previously provided materials but lose access to ongoing consultation services. Outstanding fees remain due and payable.

Governing Law

These terms are governed by Australian law and regulations. Any disputes will be resolved in Australian courts with jurisdiction over our business operations.

Severability

If any provision of these terms is deemed invalid or unenforceable, the remaining provisions continue in full force and effect. Invalid provisions will be replaced with enforceable terms that most closely reflect the original intent.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the complete agreement between you and luraventholim Financial Planning regarding our services. No verbal agreements or representations modify these written terms.

Changes to Terms

We may update these terms to reflect service changes, legal requirements, or business developments. Material changes will be communicated via email or website notice. Continued use of our services constitutes acceptance of updated terms.

Contact Us About Cookies

For questions about our cookie practices, contact us at contact@luraventholim.com or +61 730-943-543. We're committed to transparency and addressing your privacy concerns promptly.