Terms and Conditions of Service

Acceptance of Terms

By accessing and using the ravelletevora financial planning subscription service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Your continued use of our services constitutes ongoing acceptance of any updates or modifications to these terms.

Key Definitions

For the purposes of these Terms and Conditions, the following definitions apply:

• • "Service" refers to the financial planning consultation subscription provided by ravelletevora for $250 per month
• • "User" or "Client" refers to any individual who subscribes to or uses our consultation services
• • "Content" includes all information, advice, documentation, and materials provided through our service
• • "Company," "we," "us," or "our" refers to ravelletevora and its authorised representatives

Service Eligibility Requirements

Our financial planning consultation services are available to individuals who meet the following criteria and acknowledge the associated responsibilities.

You must be at least 18 years of age and have the legal capacity to enter into binding agreements under Australian law.

ravelletevora financial planning services logo: ravelletevora financial planning services logo

Service Description and Scope

Our subscription service provides access to financial planning consultations, strategic reviews, and analytical guidance designed to help you make informed decisions about your financial future.

The service includes unlimited consultation access, comprehensive reviews, strategic planning sessions, and detailed documentation as outlined in our service materials.

User Responsibilities and Obligations

As a subscriber to our services, you agree to the following responsibilities:

• • Provide accurate and complete information necessary for effective consultation services
• • Pay subscription fees promptly according to the agreed schedule
• • Use our services only for lawful purposes and in accordance with these terms
• • Maintain the confidentiality of any login credentials or account access information
• • Notify us promptly of any changes to your contact information or circumstances

Prohibited Uses and Activities

You agree not to use our services for any of the following prohibited purposes:

• • Any illegal activities or purposes that violate applicable laws or regulations
• • Sharing account access with unauthorised third parties or multiple users
• • Attempting to reverse engineer, hack, or compromise our systems or security
• • Using our services to provide advice or services to third parties without authorisation
• • Misrepresenting your identity, circumstances, or eligibility for our services

Intellectual Property Rights

All content, materials, trademarks, and intellectual property associated with our services remain the exclusive property of ravelletevora or our licensors.

You receive a limited, non-exclusive license to access and use our services for personal purposes only during your active subscription period.

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

Privacy and Data Protection

We are committed to protecting your privacy and personal information in accordance with Australian Privacy Principles and applicable data protection laws.

Our comprehensive Privacy Policy, incorporated by reference into these terms, details how we collect, use, store, and protect your personal information. Privacy Policy

Payment Terms and Billing

Our subscription service is billed monthly at $250 per month, payable in advance. All fees include GST where applicable and are due on the anniversary date of your subscription commencement.

Representative APR: 0% (no interest charges apply). Subscription fees are fixed monthly charges with no additional borrowing costs.

Service Disclaimers and Warranties

While we strive to provide high-quality consultation services, we make no guarantees regarding specific outcomes or results from our guidance.

Our services are provided "as is" without warranties of any kind, either express or implied, including but not limited to fitness for a particular purpose.

Past performance does not guarantee future results.

Financial planning involves risk and individual circumstances may vary significantly.

Limitation of Liability

To the maximum extent permitted by Australian law, our total liability for any claims arising from our services shall not exceed the amount paid by you for services in the 12 months preceding the claim.

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

This limitation applies regardless of the legal theory on which the claim is based, whether contract, tort, negligence, or otherwise.

User Indemnification

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

Dispute Resolution Procedures

We are committed to resolving any disputes fairly and efficiently through the following mechanisms:

Service Termination

Either party may terminate the subscription with 30 days written notice. We reserve the right to suspend or terminate services immediately for violation of these terms or non-payment.

Upon termination, your access to consultation services will cease, though you retain access to any documentation provided during your active subscription period.

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of Australia, and any disputes shall be subject to the exclusive jurisdiction of Australian courts.

You consent to the jurisdiction of courts in Melbourne, Victoria for any legal proceedings related to these terms or our services.

Severability of Terms

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and ravelletevora regarding our services.

Modifications to Terms

We reserve the right to modify these terms at any time, with changes taking effect immediately upon posting to our website.

We will provide reasonable notice of material changes through email or prominent website notices, and your continued use constitutes acceptance of modifications.

Contact Information for Terms

For questions or concerns about these Terms and Conditions, please contact us: