Terms and Conditions

Terms of Service Agreement

These Terms and Conditions govern your use of cytherionavex Financial Planning services and website. By accessing our services, you agree to comply with these terms.

Please read these terms carefully before using our services. Your continued use constitutes acceptance of any updates or modifications.

Important Definitions

For clarity, the following terms have specific meanings throughout this agreement:

  • Service: Financial planning consultation services provided by cytherionavex Financial Planning including monthly subscription consultations and analytical reviews
  • User/Client: Any individual or entity accessing our website or using our consultation services
  • Content: All text, graphics, information, and materials available on our website or provided during consultations
  • Agreement: These Terms and Conditions along with our Privacy Policy and any additional service-specific terms

Acceptable Use of Our Services

When using our services, you agree to use them appropriately and lawfully:

Permitted Uses

  • Accessing consultation services for personal financial planning purposes
  • Using website information for legitimate research and decision-making
  • Communicating with our team for service-related inquiries

Your Responsibilities as a Client

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

  • Providing accurate and complete information during consultations
  • Maintaining confidentiality of any login credentials or account information
  • Notifying us promptly of any changes to your contact information
  • Using our services in compliance with applicable Australian laws

Prohibited Activities

The following activities are strictly prohibited when using our services:

  • Attempting to gain unauthorized access to our systems or client data
  • Using our services for any illegal or fraudulent purposes
  • Sharing or redistributing proprietary content without permission
  • Interfering with the normal operation of our website or services
  • Impersonating other clients or providing false identity information

Intellectual Property Rights

All content, trademarks, and materials on our website remain the exclusive property of cytherionavex Financial Planning. This includes consultation methodologies, analytical frameworks, and proprietary planning approaches.

You may not copy, distribute, or create derivative works from our proprietary content without express written permission.

Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy, which forms part of this agreement, explains how we collect, use, and protect your personal information during consultations and website interactions. Privacy Policy

Service Disclaimers

Our consultation services are provided on an informational basis. We make no warranties about specific outcomes or results from our financial planning discussions.

Services are provided "as is" without warranties of any kind, express or implied

Limitation of Liability

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

In no event shall our total liability exceed the subscription fees paid during the current service period

User Indemnification

You agree to indemnify cytherionavex Financial Planning against any claims, damages, or expenses arising from your misuse of our services or violation of these terms.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently:

Arbitration Process

Disputes that cannot be resolved through direct discussion may be subject to binding arbitration under Australian commercial arbitration rules.

Arbitration proceedings will be conducted in Melbourne, Victoria, under applicable Australian dispute resolution procedures.

Alternative Dispute Resolution

For eligible disputes, you may access alternative dispute resolution services through relevant Australian consumer protection agencies.

Additional information about consumer dispute resolution is available through ACCC guidance.: Visit ACCC website for consumer dispute information

Service Termination

Either party may terminate services with 30 days written notice. Upon termination, you remain responsible for any outstanding fees and must cease using proprietary materials.

Termination does not affect rights and obligations that arose before the termination date

Governing Law and Jurisdiction

Any disputes arising from use of this website shall be resolved in accordance with Australian Consumer Law and applicable state regulations.

Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. Material changes will be communicated via email or website notice.

Continued use of our services after changes indicates acceptance of the modified terms

Severability of Terms

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect.

Entire Agreement

These Terms, along with our Privacy Policy, constitute the complete agreement between you and cytherionavex Financial Planning regarding use of our services.

Contact Information for Terms

Questions about these Terms and Conditions should be directed to contact@cytherionavex.com or +61 399-284-195.

Email: contact@cytherionavex.com

Phone: +61 399-284-195

Address: 123 Collins Street, Melbourne VIC 3000

Effective Date: August 28, 2025

Last Updated: August 28, 2025