Terms and Conditions

Acceptance of Terms

By accessing this website, subscribing to our services, or engaging with our consultation offerings, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree with any part of these terms, you should discontinue use of our website and services immediately.

Service Description

pluvianthiq provides financial planning consultation services through a monthly subscription model priced at $250 per month. Our services include personalized consultations, financial analysis discussions, and ongoing strategic guidance.

All services are consultative in nature and designed to provide information and guidance to help you make informed financial decisions. We do not provide direct investment management or specific product recommendations.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information during consultations and registration processes
• Use our services only for lawful purposes and in accordance with these terms
• Maintain the confidentiality of your account information and notify us of any unauthorized access
• Take responsibility for all financial decisions made based on our consultations and guidance
• Comply with all applicable laws and regulations in your jurisdiction

Prohibited Activities

You may not use our website or services to:

• Violate any applicable laws, regulations, or third-party rights
• Transmit harmful, illegal, or offensive content through our communication channels
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use automated systems to access our website without express written permission

Intellectual Property Rights

All content on this website, including text, graphics, logos, and software, is owned by pluvianthiq or our licensors and is protected by intellectual property laws.

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

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Payment and Subscription Terms

Our monthly subscription service is billed at $250 per month, inclusive of GST. Payment is due monthly in advance via credit card or direct debit.

All prices are in Australian dollars and include applicable taxes. Payment processing may involve third-party providers subject to their own terms and conditions.

Late payments may result in service suspension. A 1.5% monthly service charge applies to overdue amounts, representing an annual percentage rate of 19.56%.

Cancellation and Refund Policy

You may cancel your subscription at any time with 30 days written notice. Cancellation becomes effective at the end of your current billing period.

No refunds are provided for partial months or unused portions of your subscription. All fees paid are non-refundable except as required by Australian Consumer Law.

Limitation of Liability

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

We exclude liability for indirect, incidental, or consequential damages, including but not limited to financial losses resulting from decisions made based on our consultations.

User Indemnification

Users agree to indemnify and hold harmless pluvianthiq, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from their use of this website, violation of these terms, or infringement of any third-party rights.

Dispute Resolution

In the event of disputes, we encourage direct communication to resolve issues efficiently and fairly.

Governing Law and Jurisdiction

This disclaimer and your use of this website are governed by the laws of Australia, without regard to conflict of law principles.

Severability

If any provision of this disclaimer is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remainder of this disclaimer shall remain in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and pluvianthiq regarding your use of our services.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website.

Continued use of our services after changes are posted constitutes acceptance of the modified terms.