Terms and Conditions of Service
Welcome to rivaneloqtis's financial planning subscription service. These terms govern your use of our services and establish the relationship between rivaneloqtis and our subscribers. Please read carefully before subscribing. Last updated: September 17, 2025.
Acceptance and Agreement
By subscribing to our services or using our website, you acknowledge that you have read, understood, and agree to be bound by these disclaimers and limitations.
Key Terms and Definitions
The following definitions apply throughout these terms and conditions.
- Services: Our subscription-based financial planning consultations, analytical reviews, and related support provided through qualified planning professionals.
- Subscriber/Client: Any individual who has subscribed to our financial planning services and maintains an active subscription account.
- Consultation: Scheduled discussions between subscribers and our planning professionals, conducted via phone, video, or in-person meetings as available.
- Platform: Our website, client portal, and any associated digital tools used to deliver and support our financial planning services.
Acceptable Service Usage
Your subscription grants you access to our financial planning services subject to these terms and applicable Australian law.
Permitted Uses
- Accessing consultation services for personal financial planning purposes
- Using our platform resources and tools provided as part of your subscription
- Communicating with our team about your financial planning needs and goals
Subscriber Responsibilities
As a subscriber, you agree to use our services responsibly and provide accurate information necessary for effective financial planning.
- Providing accurate and complete information about your financial situation during consultations
- Attending scheduled consultations or providing reasonable notice for cancellations
- Maintaining the confidentiality of your account access credentials
- Using our services only for lawful purposes and in accordance with these terms
Prohibited Uses
The following activities are strictly prohibited when using our services or platform.
- Sharing your account access with unauthorised individuals
- Using our services for commercial purposes or reselling consultation time
- Attempting to access other users' information or accounts
- Disrupting or interfering with our service delivery or platform functionality
- Providing false or misleading information that could affect the quality of financial planning advice
Intellectual Property Rights
All content, materials, and intellectual property provided through our services remain the property of rivaneloqtis or our licensed content providers. Subscribers receive a limited license to use these materials for personal financial planning purposes only.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these terms and conditions.
Subscription and Payment Terms
Our financial planning services are provided on a subscription basis with the following payment terms.
- Monthly subscription fees are charged in advance and include GST where applicable
- Subscription fees are non-refundable except as required by Australian consumer law
- Automatic renewal applies unless cancelled with 30 days' notice before your next billing cycle
Service Termination and Cancellation
Either party may terminate the subscription relationship with appropriate notice. Subscribers may cancel at any time with 30 days' notice, while we reserve the right to terminate for breach of these terms or other reasonable business purposes.
Service Disclaimers and Limitations
Our services are provided on an "as is" basis with the disclaimers outlined in our separate Disclaimer document, which forms part of these terms.
Liability Limitations
Our liability is limited in accordance with Australian consumer law and the specific limitations outlined in our Disclaimer section.
Client Indemnification
Clients agree to indemnify rivaneloqtis against claims arising from misuse of consultation information, failure to seek appropriate professional advice when recommended, or decisions made without proper due diligence following our discussions.
Dispute Resolution Information
We're committed to resolving disputes fairly and efficiently through discussion and, if necessary, mediation or arbitration under Australian law.
Arbitration Process
Disputes that cannot be resolved through direct discussion may be subject to binding arbitration under the Commercial Arbitration Act applicable in your state or territory.
Consumer Protection Resources
Australian consumers can access dispute resolution services through the Australian Financial Complaints Authority for financial services disputes.
Applicable Law and Jurisdiction
These terms are governed by Australian law, with courts in the state or territory where our services are provided having jurisdiction over disputes.
Severability of Terms
If any provision of these terms is found to be unenforceable, the remaining provisions continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy and Disclaimer, constitute the complete agreement between rivaneloqtis and subscribers regarding our services.
Terms Modifications
We may update these terms periodically with notice to active subscribers. Continued use of our services indicates acceptance of updated terms.
Cookie Policy Questions
If you have questions about our cookie usage or need assistance with your privacy settings, please contact our privacy team using the information provided in our main contact section.
Email: contact@rivaneloqtis.com
Phone: +61 629 496 842
Address: Level 12, 680 George Street, Sydney NSW 2000
Last updated: August 25, 2025