Terms & Conditions

Introduction to Our Terms

These Terms and Conditions govern your use of the cythaneqira Financial Planning website and subscription 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 our financial planning subscription service, consultations, and analytical reviews provided through cythaneqira.com
• User/Client: Any individual who accesses our website or subscribes to our financial planning services
• Subscription: The monthly financial planning service package available for $250 per month
• Personal Information: Any information that identifies you personally, including financial data shared during consultations

Use of Our Service

When using our financial planning services, you agree to the following terms:

Permitted Uses

• Using our consultation services for legitimate financial planning purposes
• Providing accurate information during consultations and assessments
• Respecting the intellectual property rights of our content and materials

Prohibited Uses

• Sharing your account access or login credentials with unauthorized parties
• Using our services for illegal activities or fraudulent purposes
• Attempting to reverse engineer, copy, or redistribute our proprietary materials
• Harassing or intimidating our staff or other clients

User Responsibilities

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

• Providing accurate and complete information during consultations
• Maintaining the confidentiality of your account information
• Notifying us promptly of any changes to your contact information
• Making subscription payments on time according to the agreed schedule

Intellectual Property

All content, materials, and resources provided through our service remain the intellectual property of cythaneqira Financial Planning. This includes consultation materials, analytical frameworks, and proprietary planning tools.

You may not reproduce, distribute, or create derivative works from our materials without explicit written permission.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information in connection with our financial planning services. Privacy Policy

Payment Terms

The following payment terms apply to your subscription:

• Subscription Fee: Monthly subscription fee is $250 AUD, inclusive of GST, billed monthly in advance
• Payment Methods: We accept major credit cards, debit cards, and bank transfers for subscription payments
• Failed Payments: If payment fails, service may be suspended until payment is received and account is current
• Cancellation: You may cancel your subscription at any time with 30 days written notice

Limitation of Liability

To the maximum extent permitted by Australian law, cythaneqira Financial Planning's liability for any claims arising from our services is limited to the amount paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless cythaneqira Financial Planning from any claims, damages, or expenses arising from your use of our services or breach of these terms.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Termination

Either party may terminate the subscription service with 30 days written notice. We reserve the right to terminate accounts immediately for violation of these terms.

Upon termination, access to services will cease, though certain provisions of these terms will survive termination.

Governing Law

These terms are governed by the laws of Australia and the state/territory where our principal place of business is located.

Changes to Terms

We may update these Terms and Conditions periodically to reflect changes in our services or applicable laws.

We will notify you of significant changes via email or through our website at least 30 days before they take effect.

Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and cythaneqira Financial Planning regarding our services.

Contact Information

If you have questions about these Terms and Conditions, please contact us at contact@cythaneqira.com or +61 478 946 182.