Terms & Conditions

Acceptance of Terms

By accessing and using oravellumina's website and services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions, along with our Privacy Policy and Cookie Policy.

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

Service Description

oravellumina provides financial planning consultation services through subscription-based access to personalized guidance, resource allocation analysis, and strategic planning sessions.

Our services include one-on-one consultations, analytical reviews, and ongoing support to help clients make informed financial decisions. We do not provide specific investment advice or manage client funds directly.

User Eligibility

To use our services, you must meet the following requirements:

• • Be at least 18 years of age and legally capable of entering into binding agreements
• • Provide accurate and complete information during registration and consultations
• • Reside in Australia or have Australian financial planning needs

User Responsibilities

As a user of our services, you agree to:

• • Provide honest and accurate information about your financial situation
• • Keep your login credentials secure and confidential
• • Pay all applicable fees on time according to your subscription plan
• • Use our services only for lawful purposes and in accordance with these terms
• • Notify us promptly of any changes that may affect our service delivery

Prohibited Uses

You may not use our services for any of the following purposes:

• • Illegal activities or violation of any applicable laws or regulations
• • Transmitting harmful, threatening, or defamatory content
• • Attempting to gain unauthorized access to our systems or other users' accounts
• • Reverse engineering, copying, or distributing our proprietary materials
• • Using our services to solicit business for competing services
• • Submitting false or misleading information during consultations

Intellectual Property Rights

All content, including text, graphics, logos, software, and methodologies used in our services, is the property of oravellumina and is protected by copyright and other intellectual property laws. You may not reproduce or distribute our materials without express written permission.

All rights reserved. No part of this website may be reproduced without written permission from oravellumina.

Privacy Policy Reference

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 services. Privacy Policy

Payment Terms

Payment terms for our subscription services include:

• • Monthly subscription fee of $250 AUD, inclusive of GST, charged monthly in advance
• • Payment processed via secure payment systems with industry-standard encryption
• • Subscription automatically renews unless cancelled with 30 days written notice

Service Disclaimers

Our consultation services are provided for general guidance purposes only and do not constitute specific financial advice tailored to your individual circumstances. Results may vary based on personal factors and market conditions.

Limitation of Liability

To the fullest extent permitted by Australian law, oravellumina's liability is limited to the amount paid for services in the 12 months prior to any claim. We are not liable for indirect, consequential, or punitive damages.

We specifically exclude liability for financial losses resulting from market volatility, economic conditions, or decisions made based on our consultations.

Indemnification

You agree to indemnify and hold harmless oravellumina, its officers, and employees from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of third-party rights.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Termination

Either party may terminate the service relationship with 30 days written notice. We reserve the right to terminate immediately for breach of these terms or illegal use of our services.

Upon termination, access to consultation services ends, though previously provided materials may be retained subject to our retention policies.

Governing Law

These terms are governed by Australian law, specifically New South Wales state law, and any disputes will be subject to the jurisdiction of Australian courts.

Severability

If any provision of these terms is found unenforceable, the remaining provisions will continue in full effect, and the unenforceable provision will be modified to the minimum extent necessary.

Entire Agreement

These terms, together with our Privacy Policy and Cookie Policy, constitute the complete agreement between you and oravellumina regarding use of our services.

Modifications

We reserve the right to modify these terms at any time. Changes will be posted on our website and become effective immediately upon posting.

Significant changes will be communicated via email to active subscribers. Continued use of services after modifications constitutes acceptance of updated terms.

Contact Information

For questions about these terms or our services, please contact us: