Terms and Conditions

Get to know the terms that govern your use of felorandivo's financial planning subscription service. These terms protect both your interests and ours while ensuring a clear understanding of our service relationship

Effective Date: August 13, 2025

Acceptance of Terms

By subscribing to and using our financial planning service, you acknowledge that you have read, understood, and agree to be bound by this disclaimer and all applicable terms and conditions

Service Description

felorandivo provides subscription-based financial planning consultations designed to help Australian individuals and families make informed financial decisions. Our service includes personalized consultations, strategic planning discussions, and ongoing guidance. Results may vary based on individual circumstances and market conditions

Your Responsibilities

As a subscriber, you agree to the following responsibilities to ensure effective service delivery

  • Provide accurate and complete information about your financial situation
  • Maintain the confidentiality of your account login credentials
  • Attend scheduled consultations or provide reasonable notice of cancellations
  • Use our service in compliance with applicable Australian laws and regulations

Prohibited Uses

You agree not to use our service for any of the following purposes

  • Sharing account access with unauthorized individuals or entities
  • Attempting to reverse engineer or copy our proprietary planning methodologies
  • Using information provided for illegal financial activities or tax evasion
  • Harassing, threatening, or abusing our staff or other subscribers

Intellectual Property Rights

All content, methodologies, tools, and materials provided through our service remain the intellectual property of felorandivo. You may use these materials for personal financial planning purposes but may not reproduce, distribute, or commercialize them without written permission

Privacy Policy

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 financial planning services Privacy Policy

Payment Terms and Billing

Subscription fees are charged monthly in advance. Payment is due on the same date each month as your initial subscription. We accept major credit cards and direct debit from Australian bank accounts. All fees are in Australian dollars and include applicable taxes

Late payments may result in service suspension until account is brought current

Cancellation and Refund Policy

You may cancel your subscription at any time with 30 days written notice. Cancellations take effect at the end of your current billing period. We do not provide refunds for partial months of service, but you'll retain access to consultations through your paid period

Limitation of Liability

Our liability for any claims related to our financial planning service is limited to the amount you paid for your subscription in the 12 months preceding the claim. We are not liable for indirect, consequential, or punitive damages

Past performance does not guarantee future results. Financial planning involves inherent risks

User Indemnification

You agree to indemnify and hold harmless felorandivo, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our subscription service or violation of these terms

Dispute Resolution Process

We're committed to resolving any concerns promptly and fairly through the following process

Internal Resolution Process

If you have concerns about our service, please contact us first at contact@felorandivo.com. We'll work diligently to address issues within 14 business days. Most concerns can be resolved through direct communication

Australian Dispute Resolution

For disputes that cannot be resolved directly, Australian consumers may access external dispute resolution through industry ombudsman services or consumer protection agencies

Additional information about consumer rights is available through the Australian Competition and Consumer Commission: ACCC Consumer Rights

Governing Law and Jurisdiction

These terms are governed by and construed in accordance with the laws of Australia

Severability Clause

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with enforceable terms that most closely reflect our original intent

Entire Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and felorandivo regarding your use of our financial planning subscription service

Modifications to Terms

We may update these terms periodically to reflect changes in our service or legal requirements. We'll notify subscribers of significant changes with at least 30 days notice. Continued use of our service after changes indicates acceptance of updated terms

Contact Us About Cookies

If you have questions about our use of cookies or need help managing your preferences, please contact us at contact@felorandivo.com or call +61-263-005-048

Email: contact@felorandivo.com

Phone: +61-263-005-048

Address: 142 Collins Street, Melbourne VIC 3000

Last updated: August 20, 2025

Version: 2.1