Terms and Conditions

Terms of Service

These Terms and Conditions govern your use of the pyraethoniva website and our financial planning services. By accessing our website or using 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

For the purposes of these Terms and Conditions:

• • "Service": refers to the financial planning consultation and guidance services provided by pyraethoniva
• • "User" or "Client": refers to any individual who accesses or uses our website or services
• • "Company", "we", "us", or "our": refers to pyraethoniva and its authorised representatives
• • "Content": refers to all information, text, graphics, or other materials on our website

Use of Our Service

When using our service, you agree to:

• • Provide accurate and complete information during consultations
• • Use our services only for lawful purposes and in accordance with these terms
• • Maintain the confidentiality of any login credentials or account information
• • Not interfere with or disrupt the operation of our website or services
• • Comply with all applicable laws and regulations in your jurisdiction

Your Responsibilities

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

• • Making your own informed decisions based on the guidance provided
• • Seeking additional professional advice when appropriate for your situation
• • Keeping your contact information and personal details up to date
• • Attending scheduled consultations or providing reasonable notice of cancellation
• • Paying all fees associated with your chosen service plan on time

Prohibited Uses

You may not use our service for any of the following purposes:

• • Any unlawful purpose or to solicit others to perform unlawful acts
• • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• • To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• • To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• • To submit false or misleading information
• • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of our service

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the property of pyraethoniva or its content suppliers and is protected by Australian and international copyright laws.

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

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Please review our Privacy Policy, which also governs your use of our service, to understand our practices Privacy Policy

Service Disclaimers

The following disclaimers apply to all our services:

• • Our services are provided for informational purposes and do not constitute formal financial advice
• • Past performance does not guarantee future results, and individual outcomes may vary significantly
• • We make no warranties or representations about the accuracy or completeness of our content
• • You use our services at your own risk and are responsible for your own financial decisions

Limitation of Liability

To the fullest extent permitted by law, pyraethoniva shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

Our total liability to you for all damages shall not exceed the amount you paid for our services in the 12 months preceding the claim.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Termination of Service

Either party may terminate the service relationship at any time with 30 days' written notice. We reserve the right to suspend or terminate your access immediately for violations of these terms.

Upon termination, your right to use our services ceases immediately, and any outstanding fees become due.

Governing Law and Jurisdiction

The laws of New South Wales, Australia, without regard to conflict of law principles

These terms are governed by the laws of New South Wales, Australia. Any legal proceedings must be brought in the courts of New South Wales.

Changes to These Terms

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

We will notify users of material changes via email or prominent website notice where reasonably practical.

Severability Clause

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

Entire Agreement

These terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and pyraethoniva regarding the use of our services.

Contact Information for Legal Matters

For questions about these Terms and Conditions, please contact our legal team at contact@pyraethoniva.com or use the contact information provided on our website.