Terms & Conditions
Agreement to Terms
Welcome to jovialentora Financial Planning. These Terms & Conditions govern your use of our website and subscription services. By accessing our website or using our services, you agree to be bound by these terms.
I agree to the Terms & Conditions and Privacy Policy
September 13, 2025
Definitions
For the purposes of these terms:
- "Service" refers to our financial planning consultation and subscription offerings
- "User" or "Client" refers to any person who accesses or uses our service
- "Content" includes all text, graphics, and materials provided through our service
- "Agreement" refers to these Terms & Conditions and our Privacy Policy
Use of Our Service
Your use of our service is subject to the following conditions:
Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to use our services.
Account Responsibility
You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
Acceptable Use
You agree to use our service only for lawful purposes and in accordance with these terms.
Prohibited Activities
You agree not to engage in any of the following activities:
- Violating any applicable laws or regulations
- Interfering with or disrupting the service or servers
- Attempting to gain unauthorised access to any part of the service
- Using the service for any fraudulent or unauthorised purpose
- Transmitting any harmful or malicious code
Intellectual Property
All content and materials provided through our service are owned by jovialentora Financial Planning and protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written consent.
All content, trademarks, and intellectual property on this website are owned by jovialentora Financial Planning Pty Ltd and protected under Australian copyright law.
Your use of our service grants you a limited, non-exclusive, non-transferable license to access and use our materials for personal purposes only.
User-Generated Content
You retain ownership of any content you provide to us during consultations.
By providing content, you grant us a license to use it for the purpose of delivering our services.
You are responsible for ensuring that any content you provide is accurate and does not violate any third-party rights.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy for information about how we collect, use, and protect your personal information.
We process your personal data in accordance with Australian Privacy Principles and applicable privacy legislation.
Disclaimers and Warranties
Our service is provided "as is" without warranties of any kind, either express or implied.
We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
While we strive to provide accurate information, we make no warranties about the completeness, reliability, or accuracy of our service content.
Limitation of Liability
To the maximum extent permitted by law, jovialentora Financial Planning shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our service.
Our total liability to you for any claims arising from these terms shall not exceed the amount you have paid for our services in the preceding 12 months.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so these limitations may not apply to you.
Indemnification
You agree to indemnify and hold harmless jovialentora Financial Planning from any claims, damages, or expenses arising from your use of our service or violation of these terms.
Dispute Resolution
For complaints or disputes, you may contact:
Dispute Resolution
Any disputes arising from these terms will be resolved through good faith negotiation or mediation before pursuing formal legal action.
If mediation fails, disputes will be resolved through binding arbitration in accordance with Australian commercial arbitration rules.
Consumer Complaints
Australian consumers may lodge complaints with the Australian Financial Complaints Authority (AFCA) for financial services disputes.
Visit AFCA Online Resolution Platform
Contact AFCA at contact@jovialentora.com or visit afca.org.au
Applicable Law
These terms are governed by the laws of Australia, and any disputes will be subject to the jurisdiction of Australian courts.
Termination
Either party may terminate the service relationship with appropriate notice as specified in your subscription agreement.
Upon termination, your access to the service will cease, and any outstanding obligations will survive termination.
Provisions relating to intellectual property, privacy, disclaimers, and limitation of liability will survive termination.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective upon posting on our website.
We will notify you of material changes through email or website notice.
Your continued use of our service after changes constitutes acceptance of the modified terms.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy, constitute the entire agreement between you and jovialentora Financial Planning regarding our service.
Contact Information
For questions about these Terms & Conditions, please contact us using the information provided in our contact section.