Terms and Conditions of Service

These terms and conditions govern your use of our website and consultation services. By accessing our website or engaging our services, you agree to be bound by these terms.

September 13, 2025

Acceptance of Terms

By accessing this website or scheduling a consultation, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you should not use our website or services. These terms constitute a legally binding agreement between you and our financial planning practice.

Definitions

For clarity and consistency throughout this document, the following terms have specific meanings:

• Services refers to financial planning consultations, guidance, analysis, and any related advisory activities we provide to clients through in-person meetings, phone calls, or digital communications.
• Client or You refers to any individual who accesses our website, requests information, schedules consultations, or engages our financial planning services in any capacity.
• Website refers to all pages, content, and functionality available at our bevarinoxa and any associated subdomains or connected digital properties we operate.
• Personal Information means any data that identifies or could reasonably identify you, including contact details and financial information shared during consultations.

Use of Our Services

Our services are designed to provide financial planning guidance and consultations to individuals seeking to better understand their financial situations. You agree to provide accurate information during consultations and to use our services only for lawful purposes consistent with their intended function.

Eligibility

You must be at least eighteen years of age and have legal capacity to enter into binding agreements to use our services. By using our website or services, you represent and warrant that you meet these eligibility requirements.

Services are primarily designed for Australian residents. International clients should confirm applicability to their situations.

Your Responsibilities as Client

When engaging our services, you agree to the following responsibilities:

• Provide accurate, complete, and current information during consultations to enable us to provide relevant and appropriate guidance for your situation.
• Inform us promptly of any material changes to your financial circumstances, goals, or personal situation that may affect the relevance of previous guidance.
• Maintain confidentiality of any login credentials or access information provided for secure client portals or communication systems we may use.
• Make independent decisions about your finances after considering our guidance, recognizing that ultimate responsibility for financial decisions rests with you.

Prohibited Uses

You agree not to use our website or services for any of the following purposes:

• Attempting to gain unauthorized access to our systems, other users' accounts, or computer networks connected to our services through hacking or other means.
• Using our services to transmit viruses, malware, or other malicious code designed to disrupt, damage, or gain unauthorized access to systems.
• Impersonating another person or entity, or falsely representing your affiliation with any person or organization in communications with us.
• Harvesting or collecting information about other users without their explicit consent or using automated systems to scrape website content.
• Using our services or website content for any commercial purpose without our prior written consent or appropriate licensing agreement.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is our property or that of our licensors and is protected by Australian and international copyright laws. You may view and print content for personal use only. Any other reproduction, distribution, or commercial use requires our express written permission.

User-Provided Content

When you provide information, feedback, or other content through our website or during consultations, you grant us permission to use this information to provide services and improve our offerings, subject to our privacy policy.

Privacy and Data Protection

We are committed to protecting your privacy and personal information in accordance with Australian privacy legislation and professional standards. Our collection, use, storage, and disclosure of personal information is governed by our privacy policy, which forms part of these terms. We implement reasonable security measures to protect your data from unauthorized access or disclosure. Read Privacy Policy

Disclaimers and Limitations

Important disclaimers regarding our services and information provided:

Limitation of Liability Provisions

To the maximum extent permitted by Australian law, we are not liable for any indirect, incidental, consequential, or special damages arising from use of our website or services, including financial losses resulting from decisions made based on our guidance.

Indemnification

You agree to indemnify and hold us harmless from any claims, losses, damages, liabilities, and expenses arising from your use of our services, your violation of these terms, or your violation of any applicable laws or regulations.

Dispute Resolution Procedures

In the event of disputes arising from these terms or our services, we prefer to resolve matters amicably:

Governing Law and Jurisdiction

These terms are governed by the laws of Australia. Any legal proceedings relating to these terms or our services will be subject to the exclusive jurisdiction of Australian courts in the state where our practice is registered.

Termination

We reserve the right to terminate or suspend your access to our website or services at any time, without prior notice, for conduct that we believe violates these terms or is harmful to other users, our business, or third parties.

Modifications

We reserve the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our website or services after modifications constitutes acceptance of the updated terms.

Severability

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect to the maximum extent possible.

Entire Agreement

These terms, together with our privacy policy and any other legal notices published on our website, constitute the entire agreement between you and us regarding use of our website and services.

Contact Information for Terms Questions

If you have questions about these terms and conditions, please contact us using the information below: