celmoraviaq - Subscription financial planning for Australians

Acceptance of terms

By subscribing or accessing our services, you agree to comply with these terms and all applicable Australian laws. If you do not agree, please do not proceed.

Definitions

Key terms used in these conditions are defined below.

"Subscription" refers to the ongoing monthly service for financial planning as described on this site.

"Client" means any person subscribing to our monthly service.

"Planner" refers to our professional team members providing consultations and support.

"Service" covers consultations, scenario reviews, and communications included in the subscription.

Use of the service

Our service is for Australian residents 18 years and older, intended for informational and consultative purposes only.

Eligibility

You must be at least 18 years old, reside in Australia, and provide accurate information for subscription.

Service not available outside Australia.

Client responsibilities

Clients agree to provide accurate details and use services as intended.

Maintain confidentiality of your account and contact information.

Inform us of changes to your circumstances that affect your planning needs.

Use the service for lawful, personal planning purposes only.

Comply with all applicable Australian regulations.

Prohibited uses

Clients may not misuse the service or website.

Engaging in unlawful, fraudulent, or harmful activity through the website.

Using content or services for commercial purposes or resale.

Attempting to gain unauthorised access to systems or data.

Transmitting viruses or malicious software via the site.

Misrepresenting your identity or providing false information.

Intellectual property rights

All site content, branding, and materials are the property of our company. You may not reproduce or distribute content without written permission.

User content

You are responsible for any content you submit. We reserve the right to remove inappropriate material.

Rights to submitted content

By submitting content, you grant us rights to use it as necessary for service delivery.

Privacy and data protection

We handle your data according to our Privacy Policy. Your information is used only for service provision and is never sold or shared unnecessarily.

Privacy policy

Disclaimers and limitations

Information is provided as general guidance only—specific outcomes are not promised.

Important notice

Results may vary. Past performance does not guarantee future outcomes.

Limitation of liability

We are not liable for losses resulting from use of our service or website content. Your use is at your own risk.

Indemnification

You agree to indemnify and hold us harmless from claims arising from your use of our services or breach of terms.

Dispute resolution process

We aim to resolve disputes amicably and efficiently.

Arbitration

If a dispute cannot be resolved, it may be submitted to arbitration under Australian law.

This does not affect your statutory rights.

Online dispute resolution

Clients may use approved online dispute resolution services if necessary.

Learn more about ODR

Severability

If any section is invalid, the remainder remains enforceable.

Entire agreement

These terms form the entire agreement between you and us regarding the service.

Applicable law and jurisdiction

These terms are governed by Australian law. All disputes are subject to Australian jurisdiction.

Termination

We may terminate your subscription for breach of terms or misuse. You may cancel at any time with one month's notice.

Changes

Terms may be updated periodically. Please review the latest version before each renewal.

Contact for terms

For questions or feedback regarding these terms, please contact us below.

Email: content@celmoraviaq.com

Phone: +61308109938

Address: 66 Clarence Street, Sydney, NSW 2000 Australia

Terms and conditions of subscription service