Terms and Conditions
Terms of Service
These terms and conditions govern your use of Phyrantholiva financial consultation services and constitute a binding agreement between you and our company
By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms
Effective Date: August 11, 2025
Important Definitions
The following definitions apply throughout these terms and conditions
- • Service: Financial consultation and analysis services provided through our subscription platform
- • User: Any individual or entity accessing or using our services
- • Content: All information, materials, and communications provided through our platform
- • Account: Your registered user profile and subscription access to our services
Acceptable Use of Services
Your use of our services must comply with these guidelines and applicable laws
Permitted Uses:
- • Access consultation services for personal financial planning purposes
- • Participate in scheduled consultations and communications
- • Download and retain materials provided during consultations
Prohibited Activities:
- • Share account access with unauthorized individuals
- • Use services for illegal activities or regulatory violations
- • Attempt to reverse engineer or compromise platform security
- • Redistribute proprietary content without written permission
User Responsibilities and Obligations
As a user of our services, you agree to maintain certain standards and responsibilities
- • Provide accurate and complete information for consultations
- • Maintain confidentiality of account credentials and personal information
- • Comply with all applicable laws and regulations in your jurisdiction
- • Pay all fees and charges according to agreed terms
- • Notify us promptly of any security breaches or unauthorized access
Intellectual Property Rights
All content, methodologies, and materials provided through our services remain the intellectual property of Phyrantholiva and are protected by copyright law
Users receive limited, non-transferable license to use provided materials solely for personal consultation purposes
Privacy and Data Protection
Your personal information is handled according to our Privacy Policy, which forms an integral part of these terms
Please review our Privacy Policy for detailed information about data collection, use, and protection practices
Payment Terms and Conditions
Subscription fees and payment obligations are governed by the following terms
- • Subscription fees are charged monthly in advance and include applicable GST
- • Payment processing occurs automatically through your chosen payment method
- • Failed payments may result in service suspension until payment is resolved
- • Refunds are provided only in accordance with Australian Consumer Law requirements
Service Termination Provisions
Either party may terminate the service relationship under specific circumstances
Users may cancel subscriptions with 30 days written notice
We may terminate services for breach of terms or non-payment after appropriate notice
Service Disclaimers
Our consultation services are provided for informational purposes and do not constitute formal financial advice or specific recommendations
Services are provided "as is" without warranties of specific outcomes or results from consultation guidance
Liability Limitations
Our liability is limited to the maximum extent permitted by Australian law, excluding liability that cannot be legally excluded
Total liability for any claims is limited to the subscription fees paid in the 12 months preceding the claim
User Indemnification
Users agree to indemnify Phyrantholiva against claims arising from misuse of services or breach of these terms
Dispute Resolution
Disputes will be resolved through the following mechanisms in accordance with Australian law
Mediation Process
Parties agree to attempt resolution through mediation before pursuing legal action
Mediation will be conducted according to Australian Commercial Disputes Centre rules
Alternative Resolution
International users may access alternative dispute resolution mechanisms available in their jurisdiction
For international clients, alternative dispute resolution options may be available through relevant local authorities: https://ec.europa.eu/consumers/odr
Governing Law and Jurisdiction
All disputes are subject to the exclusive jurisdiction of Australian courts
These terms are governed by Australian law with disputes subject to Australian court jurisdiction
Terms Modification Process
We reserve the right to modify these terms with appropriate notice to users
Significant changes will be communicated through email and website notifications at least 30 days in advance
Severability Clause
If any provision of these terms is found unenforceable, remaining provisions continue in full force and effect
Complete Agreement
These terms, together with our Privacy Policy and Cookie Policy, constitute the complete agreement between parties
Terms Contact Information
Contact us with questions about these terms or to request clarification of any provisions
Company: Phyrantholiva
Email: contact@phyrantholiva.com
Phone: +61 298-083-108
Address: Level 15, 309 Kent Street, Sydney NSW 2000