Terms and Conditions
Last updated: August 22, 2025
Acceptance of Terms
By accessing and using this website and our financial planning consultation services, you accept and agree to be bound by the terms and provisions of this agreement.
These terms constitute a legally binding agreement between you and dorimaiosta Financial Planning Pty Ltd.
Definitions and Interpretations
For the purposes of these terms, the following definitions apply:
- "Service" means:: Our financial planning subscription service, including consultations, analytical reviews, and related support services.
- "User" or "Client" means:: Any individual who accesses our website or subscribes to our financial planning consultation services.
- "Content" means:: All information, text, graphics, data, and materials available through our website and services.
- "Company," "we," "us," or "our" means:: dorimaiosta Financial Planning Pty Ltd and its authorized representatives.
Service Usage Terms
Your use of our services is subject to the following conditions and restrictions:
Eligibility Requirements
You must be at least 18 years of age and have the legal capacity to enter into binding agreements to use our services.
18+ only
Account and Subscription Responsibilities
- Provide accurate and current information during registration and consultation processes
- Maintain the confidentiality of your account credentials and contact information
- Pay subscription fees promptly according to your chosen billing schedule
- Notify us immediately of any unauthorized use of your account or security concerns
Prohibited Activities
You agree not to use our services for any of the following purposes:
- Any illegal activities or purposes that violate applicable laws or regulations
- Transmitting harmful, offensive, or inappropriate content during consultations
- Attempting to gain unauthorized access to our systems or other users' information
- Using our services to compete with our business or develop competing services
- Sharing account credentials or transferring your subscription to unauthorized parties
- Misrepresenting your identity or providing false information during consultations
Intellectual Property Rights
All content, materials, and intellectual property on our website and in our services remain the exclusive property of dorimaiosta Financial Planning Pty Ltd.
You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.
We grant you a limited, non-exclusive license to access and use our services for their intended purpose during your subscription period.
User-Provided Information
You retain ownership of personal information and financial data you provide to us during consultations.
By providing information, you grant us permission to use it solely for delivering our consultation services and analytical reviews.
You are responsible for the accuracy and completeness of all information you provide during our consultations.
Privacy and Data Protection
Your privacy is governed by our separate Privacy Policy, which forms an integral part of these terms.
We are committed to protecting your personal information in accordance with applicable privacy laws and professional standards.
Service Disclaimers and Warranties
Our services are provided "as is" without warranties of any kind, either express or implied.
Disclaimer of Warranties
We make no warranties regarding the accuracy, completeness, or reliability of information provided during consultations. Individual results may vary significantly.
Past performance does not guarantee future results.
Individual results may vary.
Liability Limitations
Our liability for any claims arising from your use of our services is limited as follows:
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Our total liability for any claims shall not exceed the amount you paid for services during the 12 months preceding the claim.
User Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Service Termination
Either party may terminate your subscription with 30 days written notice. We reserve the right to terminate immediately for violations of these terms.
Upon termination, your access to services will cease, but these terms will continue to apply to any outstanding obligations or disputes.
Provisions regarding liability limitations, indemnification, and intellectual property shall survive termination of your subscription.
Dispute Resolution Procedures
Disputes arising from these terms or our services will be resolved through the following process:
Arbitration Agreement
Most disputes will be resolved through binding arbitration rather than court proceedings, where permitted by applicable law.
Arbitration will be conducted under the rules of a recognized Australian arbitration service.
Arbitration proceedings will take place in Melbourne, Victoria, Australia.
European Union Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for consumer disputes.
Australian Financial Complaints Authority
This arbitration clause does not limit your rights as a consumer under applicable EU consumer protection laws.
You waive any right to participate in class action lawsuits or class-wide arbitration proceedings against us.
Governing Law and Jurisdiction
These terms are governed by the laws of Victoria, Australia, without regard to conflict of law principles.
Australian courts in Victoria shall have exclusive jurisdiction over any matters not subject to arbitration.
Terms Modification Policy
We reserve the right to modify these terms at any time, with changes taking effect 30 days after posting updated terms on our website.
We will notify active subscribers of significant changes via email to the address associated with your account.
Continued use of our services after term modifications constitutes acceptance of the updated terms.
Severability of Terms
If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy and any additional service agreements, constitute the complete agreement between you and our company.
Terms and Conditions Contact
For questions about these terms and conditions, please contact us using the information provided below:
dorimaiosta Financial Planning Pty Ltd
Level 12, 120 Collins Street, Melbourne VIC 3000