Terms & Conditions

Last updated: August 24, 2025

Effective Date: September 9, 2025

Acceptance of Terms

By accessing and using this website and our services, you agree to be bound by these terms and conditions.

If you do not agree to these terms, please discontinue use of our website and services immediately.

Definitions

For the purposes of these terms, the following definitions apply:

  • • "Service" refers to financial planning consultations provided by bexaloravin
  • • "User" or "Client" refers to any individual accessing our website or services
  • • "Content" includes all information, text, graphics, and materials on our website
  • • "Agreement" refers to these terms and conditions as updated from time to time

Service Usage

Our financial planning consultation services are provided subject to the following conditions:

Permitted Uses

  • • Accessing information about our financial planning services
  • • Scheduling and participating in authorized consultations
  • • Using provided tools and resources for personal financial planning

User Responsibilities

As a user of our services, you agree to:

  • • Provide accurate and complete information during consultations
  • • Use our services only for lawful purposes
  • • Respect intellectual property rights in all content
  • • Maintain confidentiality of any login credentials
  • • Notify us of any unauthorized use of your account

Prohibited Activities

You may not use our services to:

  • • Engage in fraudulent, illegal, or unauthorized activities
  • • Interfere with or disrupt our website or services
  • • Copy, reproduce, or distribute our proprietary content
  • • Attempt to gain unauthorized access to our systems
  • • Use our services for commercial purposes without permission

Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by bexaloravin or our licensors and protected by copyright and other intellectual property laws.

Unauthorized reproduction or distribution of our content is prohibited.

Any permitted use is subject to strict limitations and conditions.

Privacy and Data Protection

Our collection and use of your personal information is governed by our Privacy Policy, which forms part of these terms.

Please review our Privacy Policy for detailed information about data handling practices. Privacy Policy

Payment Terms

The following terms apply to all paid services:

  • • Monthly subscription fees of $250 AUD are due in advance
  • • All prices include GST where applicable
  • • Payment processing fees may apply depending on payment method used

Disclaimers and Warranties

Our services are provided subject to the following disclaimers:

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

We disclaim all warranties regarding accuracy, completeness, or suitability of information provided.

Limitation of Liability

To the maximum extent permitted by law, bexaloravin shall not be liable for any indirect, incidental, or consequential damages arising from use of our services.

Our total liability shall not exceed the amount paid for services in the 12 months preceding the claim.

Dispute Resolution

Any disputes arising from these terms will be resolved through the following procedures:

Arbitration

Disputes will be resolved through binding arbitration under the rules of the Australian Centre for International Commercial Arbitration.

Arbitration proceedings will be conducted in English and take place in Melbourne, Australia.

Australian Financial Complaints Authority

For eligible financial services complaints, you may contact the Australian Financial Complaints Authority (AFCA).

Visit afca.org.au for more information: https://ec.europa.eu/consumers/odr

AFCA provides free dispute resolution services for consumers up to $1,000,000.

Termination

Either party may terminate the service agreement with 30 days written notice. We reserve the right to suspend or terminate access immediately for violation of these terms.

Upon termination, all rights and obligations cease except those that by nature should survive.

Governing Law

These terms are governed by the laws of Australia, without regard to conflict of law principles.

These terms are governed by Australian law and subject to the jurisdiction of Australian courts.

Changes to Terms

We may modify these terms at any time by posting updated terms on our website. Changes become effective immediately upon posting.

Continued use of our services after changes constitutes acceptance of the modified terms.

Entire Agreement

These terms, together with our Privacy Policy and any other referenced policies, constitute the entire agreement between you and bexaloravin.

Contact Us About Cookies

For questions about these terms and conditions, please contact us:

Legal Entity:: bexaloravin Financial Services Pty Ltd

Email:: contact@bexaloravin.com

Phone:: +61 963 690 519

Address:: 234 Collins Street, Melbourne VIC 3000