Terms and Conditions

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

If you do not agree with any part of these terms, you may not use our services.

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

• • "Service" refers to our financial planning consultations and related offerings
• • "User" or "Client" refers to any individual accessing our website or services
• • "Content" includes all information, text, graphics, and materials on our website
• • "Company," "we," or "us" refers to novarieloqix and its representatives

Eligibility

Our services are available to individuals aged 18 and over who are Australian residents or have Australian financial interests.

18+ only

Account Responsibilities

You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account.

Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these terms and applicable regulations.

You may not use our services for any of the following prohibited activities:

• Any unlawful purpose or activity that violates Australian laws
• Transmitting harmful, offensive, or inappropriate content
• Attempting to gain unauthorized access to our systems
• Interfering with the proper functioning of our website or services
• Misrepresenting your identity or providing false information

All content on our website and materials provided during consultations remain our intellectual property unless otherwise specified.

By providing information during consultations, you grant us permission to use this information to provide our services.

You are responsible for the accuracy and legality of any information you provide to us.

We reserve the right to refuse service if provided information is misleading or incomplete.

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Our services are provided "as is" without warranties of any kind, either express or implied.

We make no guarantees about the accuracy, completeness, or suitability of our guidance for your specific situation.

Our total liability shall not exceed the amount paid for services in the 12 months preceding any claim. We are not liable for indirect or consequential damages.

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

You agree to indemnify us against any claims arising from your use of our services or violation of these terms.

Dispute Resolution

Disputes will first be addressed through good faith negotiations. Unresolved matters may proceed to mediation or arbitration under Australian law.

International Dispute Resolution

For international clients, alternative dispute resolution methods may be available.

You may terminate your service subscription at any time with appropriate notice.

We may terminate services for breach of these terms or for any reason with reasonable notice.

Upon termination, your access to services will cease, but these terms will continue to apply to past interactions.

These terms are governed by Australian law and the laws of Victoria.

Any legal proceedings will be subject to the jurisdiction of Australian courts.

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated effective date.

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

If any provision of these terms is found unenforceable, the remaining provisions will continue in full effect.

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

For questions about these terms, please contact us using the information provided elsewhere on our website.