Terms and Conditions
Agreement Overview
These terms govern your use of Xeranovulthiq's financial planning subscription service and establish the rights and responsibilities of both parties.
By subscribing to our services, you agree to comply with these terms and conditions
Key Definitions
Important terms used throughout this agreement
- Service: Monthly financial planning consultations and related advisory services provided by Xeranovulthiq
- Subscriber: Individual or entity who has entered into a subscription agreement with Xeranovulthiq
- Consultation: Professional financial guidance session conducted by qualified Xeranovulthiq advisors
- Subscription Fee: Monthly payment of $250 AUD for access to Xeranovulthiq services
Service Description
Xeranovulthiq provides monthly financial planning consultations designed to help subscribers make informed decisions about their financial future.
Services include personalized consultations, strategic guidance, and ongoing support within the scope of general financial planning
Subscriber Responsibilities
As a subscriber, you agree to the following obligations
- Provide accurate and complete information for consultations
- Pay subscription fees on time each month
- Use services only for lawful personal or business purposes
- Maintain confidentiality of account access credentials
- Notify us promptly of any changes to your contact information
Prohibited Activities
The following activities are strictly prohibited
- Sharing account access with unauthorized individuals
- Using services for illegal or fraudulent purposes
- Attempting to reverse-engineer or copy our service methods
- Harassment of staff or other subscribers
- Violating applicable laws or regulations
Intellectual Property Rights
All content, materials, and intellectual property associated with Xeranovulthiq services remain our exclusive property and are protected by applicable laws.
Unauthorized reproduction or distribution of our materials is prohibited
Payment Terms and Conditions
Subscription fees are charged monthly in advance and must be paid to maintain active service status.
- Payment Methods: We accept major credit cards and direct debit arrangements
- Billing Cycle: Monthly billing occurs on the same date each month from your initial subscription
- Refund Policy: No refunds are provided for unused portions of monthly subscriptions
- Cancellation: Subscriptions may be cancelled with 30 days written notice
Liability Limitations
Xeranovulthiq's liability is limited to the subscription fees paid in the 12 months preceding any claim. We exclude liability for consequential or indirect damages.
Services are provided on an as-is basis without warranties of specific outcomes
Indemnification
Subscribers agree to indemnify Xeranovulthiq against claims arising from misuse of services or breach of these terms.
Dispute Resolution
We are committed to resolving disputes fairly and efficiently
Internal Resolution Process
Disputes should first be addressed through our internal complaint process
- Initial complaints must be submitted in writing within 60 days
- We will respond to complaints within 15 business days
- Unresolved disputes may be escalated to external dispute resolution
External Dispute Resolution
Disputes that cannot be resolved internally may be referred to the Australian Financial Complaints Authority
AFCA Website: Australian Financial Complaints Authority
AFCA provides free dispute resolution services for financial service complaints
Privacy and Data Protection
Your personal information is handled in accordance with our Privacy Policy and Australian privacy laws.
Please review our Privacy Policy for detailed information about data practices
Service Termination
We may terminate subscriptions for the following reasons
- Non-payment of subscription fees
- Violation of these terms and conditions
- Fraudulent or illegal use of services
Governing Law and Jurisdiction
These terms are governed by Australian law and subject to the jurisdiction of Australian courts.
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will continue to apply.
Complete Agreement
These terms, together with our Privacy Policy, constitute the complete agreement between you and Xeranovulthiq.
Terms Updates
We may modify these terms from time to time with appropriate notice to subscribers.
Significant changes will be communicated via email at least 30 days in advance
Terms Inquiries
For questions about these terms, contact us at contact@xeranovulthiq.com or +61-885-232-656
Email: contact@xeranovulthiq.com
Phone: +61-885-232-656
Address: Level 5, 123 Collins Street, Melbourne VIC 3000
July 29, 2025
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