Terms and Conditions of Service

Introduction and Agreement

These Terms and Conditions govern your use of the services provided by Toravianexlu Financial Planning Services (ACN 558 391 289). By accessing our website or engaging our services, you agree to comply with and be bound by these terms.

Effective Date: August 1, 2025

Last Updated: August 6, 2025

Your use of our services constitutes acceptance of these terms. If you do not agree with any part of these terms, you must not use our services.

Definitions and Interpretation

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

• Services: Financial planning consultations, analytical reviews, and related advisory services provided by Toravianexlu
• Client: Any individual or entity that engages Toravianexlu for financial planning services
• Agreement: The contractual relationship formed between Toravianexlu and the Client for the provision of services
• Personal Information: Information that identifies or could reasonably identify an individual, as defined by the Privacy Act 1988

Use of Our Services

Your use of our services is subject to the following terms and conditions:

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. You must provide accurate and complete information during the registration and consultation process.

Toravianexlu financial planning services footer logo: Toravianexlu financial planning services footer logo

Service Registration

When engaging our services, you agree to provide accurate information and maintain the confidentiality of any access credentials. You are responsible for:

• Providing complete and accurate personal and financial information
• Maintaining the confidentiality of sensitive information shared during consultations
• Notifying us promptly of any changes to your circumstances that may affect our recommendations

Your Responsibilities

As a client, you agree to the following responsibilities:

• Provide honest, accurate, and complete information about your financial situation and objectives
• Respond promptly to requests for additional information or documentation
• Notify us of any material changes to your financial circumstances or goals
• Make your own informed decisions based on our recommendations and your personal circumstances
• Comply with all applicable laws and regulations in your jurisdiction

Prohibited Uses

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

• Any unlawful purpose or in violation of any local, state, national, or international law
• To provide false or misleading information about your identity, financial situation, or circumstances
• To attempt to gain unauthorised access to our systems, networks, or confidential information
• To interfere with or disrupt our services or the experience of other clients
• To reproduce, distribute, or commercially exploit our proprietary methods or intellectual property
• To engage in any activity that could damage our reputation or business relationships

Intellectual Property

All content, methodologies, systems, and materials used in our services are the exclusive property of Toravianexlu or our licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our services solely for your personal financial planning purposes.

You may not copy, modify, distribute, sell, or lease any part of our services or included software, nor may you reverse engineer or attempt to extract the source code of our proprietary systems.

Client Information and Content

Information you provide to us during consultations and the provision of services is subject to the following terms:

You grant us permission to use your information solely for the purpose of providing financial planning services and as described in our Privacy Policy.

You are solely responsible for the accuracy and completeness of all information you provide to us.

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 is incorporated by reference.

Full details in our : Privacy Policy

Payment Terms and Conditions

The following terms apply to all fees and payments for our services:

Service Disclaimers

Our services are provided subject to the following important disclaimers:

Our services are provided "as is" without warranty of any kind. We make no guarantees about specific financial outcomes or results. Past performance does not guarantee future results.

Financial planning involves risk and individual circumstances vary significantly

Past performance does not guarantee future results

Limitation of Liability

To the maximum extent permitted by law, Toravianexlu's liability for any claim arising from or relating to our services is limited to the fees paid by you in the 12 months preceding the claim.

Our total liability to you for all damages, losses, and causes of action shall not exceed the amount you have paid for services in the preceding 12 months.

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or business opportunities.

Indemnification

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

Dispute Resolution

Any disputes arising from these terms or our services shall be resolved according to the following process:

Termination of Services

Either party may terminate the service agreement with 30 days written notice. We may terminate immediately for material breach of these terms or non-payment of fees after appropriate notice.

Upon termination, your access to ongoing consultation services will cease, but we will retain records as required by professional and legal obligations.

Provisions relating to intellectual property, confidentiality, limitation of liability, and dispute resolution survive termination.

Governing Law and Jurisdiction

These terms are governed by the following legal framework:

Applicable Law: These terms are governed by the laws of Victoria, Australia, and federal Australian law

You agree to submit to the exclusive jurisdiction of the courts of Victoria for any legal proceedings arising from these terms.

Modifications to Terms

We may update these Terms and Conditions periodically to reflect changes in our services, legal requirements, or business practices.

We will notify you of material changes via email or prominent website notice at least 30 days before they take effect.

Your continued use of our services after changes become effective constitutes acceptance of the modified terms.

Severability

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 modified to achieve the intended purpose to the extent possible.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any signed service agreements, constitute the entire agreement between you and Toravianexlu regarding our services.

Contact Information

For questions about these Terms and Conditions, contact us at info@toravianexlu.com, call +61 4 1852 4913, or write to Santos Place, 32 Turbot Street, Brisbane QLD, Australia.