Terms and Conditions
Terms of Service
These Terms and Conditions govern your use of jovinarexius financial planning services and website located at jovinarexius.com.
By accessing our services, you agree to be bound by these terms and all applicable laws and regulations.
Definitions
For the purposes of these Terms and Conditions:
- "Service" refers to our financial planning subscription and consultation offerings
- "User" or "Client" refers to any individual accessing our services
- "Content" includes all information, materials, and resources provided through our service
- "Agreement" refers to these Terms and Conditions and any additional service agreements
Service Description
jovinarexius provides monthly financial planning consultations and analytical reviews designed to help clients understand various approaches to financial decision-making and resource allocation.
Services are provided subject to availability and may be modified or discontinued with appropriate notice.
User Eligibility
Our services are available to individuals aged 18 or older who can legally enter into binding contracts under Australian law.
This disclaimer was last updated on August 29, 2025.: This disclaimer was last updated on August 29, 2025.:
User Responsibilities
By using our services, you agree to:
- Provide accurate and complete information during consultations
- Respect scheduled consultation times and provide reasonable notice for changes
- Maintain confidentiality of login credentials and account information
- Use services only for lawful purposes and personal financial planning
Prohibited Uses
You may not use our services for:
- Any illegal activities or violation of applicable laws
- Sharing access credentials with unauthorized third parties
- Attempting to disrupt or interfere with service functionality
- Commercial use without explicit written permission
Intellectual Property
All content, materials, and intellectual property provided through our services remain the property of jovinarexius or its licensors.
We grant you a limited, non-exclusive license to use our services for personal financial planning purposes only.
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.
Please review our Privacy Policy for detailed information about data handling practices. Privacy Policy
Payment and Subscription Terms
Subscription fees are charged monthly at $250 AUD including GST. Payment is due in advance of each monthly service period.
We accept major credit cards and direct debit payments processed through secure third-party payment providers.
Refunds may be provided at our discretion for unused portions of prepaid subscriptions upon cancellation with 30 days notice.
Subscriptions automatically renew monthly unless cancelled with appropriate notice as outlined in your service agreement.
Service Disclaimers
Our consultations are educational discussions and do not constitute formal financial advice or investment recommendations. Individual results may vary significantly.
Past performance does not guarantee future results.
Individual results may vary significantly based on personal circumstances, market conditions, and implementation of discussed strategies.
Financial planning involves risk and individual circumstances may vary significantly.
Limitation of Liability
To the maximum extent permitted by Australian law, jovinarexius's liability is limited to the amount paid for services in the preceding 12 months.
We exclude liability for indirect, consequential, or punitive damages arising from use of our services.
Indemnification
You agree to indemnify jovinarexius against claims arising from your breach of these terms or misuse of our services.
Dispute Resolution
Dispute resolution procedures are available for addressing any concerns about our services:
Internal Resolution
We encourage direct contact to resolve issues through discussion and mutual agreement.
External Mediation
Unresolved disputes may be referred to appropriate consumer protection agencies or mediation services.
Termination of Service
Either party may terminate the service relationship with 30 days written notice. Termination does not affect obligations incurred prior to termination.
Upon termination, access to services will cease and any confidential information must be returned or destroyed.
Governing Law
These terms are governed by the laws of Australia, specifically the laws applicable in the state of Victoria.
Any legal proceedings shall be conducted in the courts of Victoria, Australia.
Changes to Terms
We may update these terms periodically to reflect changes in our services or legal requirements.
Significant changes will be communicated via email or website notice at least 30 days before taking effect.
Severability
If any provision of these terms is invalid or unenforceable, the remaining provisions continue in full force and effect.
Entire Agreement
These terms, along with our Privacy Policy and any service agreements, constitute the complete agreement between parties.
Contact Information
For questions about these terms or our services, please contact:
jovinarexius
127 Collins Street, Melbourne VIC 3000, Australia
These Terms and Conditions were last updated on September 7, 2025.
Version 2.1