Terms and Conditions

Acceptance of Terms

By accessing and using Agencyflornivo's financial planning subscription service, you agree to comply with and be bound by these terms and conditions. If you do not agree to these terms, please do not use our services.

These terms constitute a legally binding agreement between you and Agencyflornivo Financial Planning Pty Ltd, governing your use of our services and platform.

Use of Our Service

Our financial planning subscription service provides educational content, tools, and guidance to help you make informed investment decisions.

Eligibility

To use our services, you must meet the following requirements:

• Be at least 18 years of age
• Have legal capacity to enter into binding agreements
• Provide accurate and complete information during registration

Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use

Prohibited Uses

You may not use our service for:

• Any unlawful purpose or activity
• Transmitting harmful or malicious content
• Attempting to gain unauthorized access to our systems
• Reproducing or distributing our content without permission
• Interfering with other users' access to our services

Intellectual Property

All content, trademarks, and intellectual property on our platform are owned by Agencyflornivo Financial Planning Pty Ltd or our licensors and are protected by Australian and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

User Content

Any content you submit to our platform remains your property, but you grant us a license to use, modify, and display it in connection with our services.

You grant us a non-exclusive, worldwide, royalty-free license to use your content

You are responsible for ensuring your content does not violate any laws or third-party rights

Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Full details in our Privacy Policy /privacy-policy.

Disclaimers

Our services are provided for educational and informational purposes only and do not constitute personalized financial advice.

We make no warranties about the accuracy, reliability, or availability of our services

Limitation of Liability

To the fullest extent permitted by law, we limit our liability for damages arising from your use of our services.

We are not liable for indirect, incidental, or consequential damages resulting from service use.

Our total liability shall not exceed the amount you paid for our services in the 12 months prior to the claim.

User Indemnification

You agree to indemnify and hold harmless Agencyflornivo, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

Termination

Either party may terminate this agreement with 30 days written notice. We may terminate immediately for breach of these terms.

Upon termination, your access to our services will cease, and certain provisions will survive termination.

Dispute Resolution

Disputes arising from these terms will be resolved through the following process:

Arbitration

Disputes will be resolved through binding arbitration in accordance with Australian arbitration rules.

Arbitration proceedings will be conducted in Melbourne, Victoria, Australia.

Online Dispute Resolution

For eligible disputes, you may access online dispute resolution platforms provided by Australian regulatory authorities.

Governing Law

Australian Commonwealth and State laws, including relevant financial services legislation

Australian courts have exclusive jurisdiction over disputes arising from this disclaimer

Changes to Terms

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

We will notify you of material changes via email or prominent website notice.

Severability

If any provision of this disclaimer is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These terms constitute the entire agreement between you and Agencyflornivo Financial Planning Pty Ltd regarding your use of our services.

Contact Information

For questions about these terms, contact us: