Terms and Conditions
Terms of Service
Welcome to fulvianorixa. These Terms and Conditions govern your use of our website and financial planning consultation services. By accessing our services, you agree to be bound by these terms.
Please read these terms carefully before using our services. Your continued use constitutes acceptance of these conditions
Definitions
For the purposes of these terms, the following definitions apply:
- • Service: fulvianorixa's financial planning consultation and related services
- • Client/User: Any individual or entity using fulvianorixa's services
- • Agreement: These terms and conditions and any service agreements
- • Personal Information: Information that identifies or can be used to identify an individual
Acceptable Use of Services
Our services are intended for legitimate financial planning consultation purposes by adults aged 18 and over.
Permitted Uses
- • Seeking financial planning consultation and guidance
- • Accessing educational content and resources
- • Communicating with our team about services
Your Responsibilities
As a user of our services, you agree to:
- • Provide accurate and complete information
- • Maintain confidentiality of account credentials
- • Use services in compliance with applicable laws
- • Respect intellectual property rights
Prohibited Activities
You must not use our services to:
- • Provide false or misleading information
- • Attempt unauthorised access to systems or data
- • Interfere with service operation or security
- • Violate any applicable laws or regulations
- • Use services for unlawful or fraudulent purposes
Intellectual Property Rights
All content, materials, and intellectual property on our website and in our services remain the property of fulvianorixa unless otherwise specified.
You may not reproduce, distribute, or create derivative works without express written permission
Privacy and Data Protection
Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy and applicable privacy laws.
Please review our Privacy Policy for detailed information about data handling practices
Payment Terms and Billing
Payment terms for our subscription services are as follows:
- • Monthly subscription fees are charged in advance
- • All prices include applicable taxes (GST)
- • Cancellation takes effect at the end of the current billing cycle
Disclaimers and Limitations
Important limitations and disclaimers regarding our services:
No Warranties
Services are provided "as is" without warranties of any kind, express or implied, including fitness for a particular purpose
Limitation of Liability
Our liability is limited to the maximum extent permitted by Australian Consumer Law. We are not liable for indirect, consequential, or punitive damages
Indemnification
You agree to indemnify fulvianorixa against claims arising from your use of services, violation of these terms, or infringement of third-party rights, except where prohibited by law.
Dispute Resolution
We're committed to resolving any disputes fairly and efficiently through the following process:
Arbitration Process
Most disputes will be resolved through binding arbitration under Australian commercial arbitration rules.
- • Arbitration will be conducted in English in Australia
- • Each party bears their own costs unless otherwise determined
- • Arbitrator decisions are final and binding
EU Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform.
EU ODR Platform: ec.europa.eu/consumers/odr
Termination
Either party may terminate the service relationship with appropriate notice. We reserve the right to suspend or terminate services for violations of these terms.
Upon termination, access to services ceases and data may be deleted in accordance with our retention policy
Governing Law
These terms are governed by Australian law and subject to the jurisdiction of Australian courts, except where consumer protection laws provide otherwise.
Severability
If any provision of these terms is found unenforceable, the remaining provisions continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy and any service agreements, constitute the complete agreement between parties.
Changes to Terms
We may modify these terms periodically to reflect changes in services, legal requirements, or business practices.
Material changes will be communicated through our website or direct notification to active clients
Contact Information
For questions about these terms or to report violations, please contact us using the information provided in our Contact section.
Email: contact@fulvianorixa.com
Phone: +61 175 765 092
Address: 123 Collins Street, Melbourne VIC 3000
August 23, 2025
These terms are effective as of August 23, 2025