Terms and Conditions of Service

Agreement to Terms

These Terms and Conditions govern your use of Miravaloneth Financial Planning Services and outline the rights and responsibilities of both parties in our service relationship.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms

Definitions and Key Terms

For clarity, the following terms have specific meanings throughout this agreement:

  • Services: Monthly financial planning consultations, analytical reviews, and related support provided under our subscription model
  • Client/You: Any individual or entity that subscribes to or uses our financial planning services
  • Agreement: These Terms and Conditions along with our Privacy Policy and other referenced policies

Acceptable Use of Our Services

Our services are provided for legitimate financial planning purposes only. By using our services, you agree to:

Permitted Uses

Use our services for personal financial planning, attend scheduled consultations, and engage in good faith with our planning process

Prohibited Uses

  • Misrepresent your identity, financial situation, or intentions
  • Use our services for illegal activities or to violate any applicable laws
  • Attempt to reverse-engineer, copy, or redistribute our proprietary methods or materials

Your Responsibilities as a Client

To ensure effective service delivery, you agree to:

  • Provide accurate and complete information about your financial situation
  • Attend scheduled appointments or provide reasonable notice of cancellations
  • Keep your account information and login credentials secure and confidential
  • Pay subscription fees on time and maintain current payment information

Intellectual Property and Content Ownership

All content, trademarks, logos, and intellectual property on this website are owned by Miravaloneth or licensed for use. Unauthorized reproduction, distribution, or modification is prohibited without express written consent.

All content, methods, and materials provided through our services remain the intellectual property of Miravaloneth Financial Planning Services and are protected by copyright and other applicable laws

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable data protection laws.

Please review our Privacy Policy for detailed information about our data practices

Subscription and Payment Terms

Our services are provided on a monthly subscription basis with the following terms:

  • Monthly subscription fees of $250 AUD are due in advance and include GST where applicable
  • Payment processing fees may apply depending on your chosen payment method
  • Subscription cancellation requires 30 days advance notice to avoid charges for the following month

Limitation of Liability

To the fullest extent permitted by law, our liability for any claims arising from your use of our services is limited to the amount of subscription fees paid in the 12 months preceding the claim.

WE MAKE NO GUARANTEES ABOUT SPECIFIC FINANCIAL OUTCOMES OR RESULTS FROM OUR PLANNING SERVICES

Indemnification Agreement

You agree to indemnify and hold harmless Miravaloneth Financial Planning Services from any claims, losses, or damages arising from your use of our services or violation of these terms.

Dispute Resolution

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

Dispute Resolution and Arbitration

Any disputes arising from these terms or our services will be resolved through binding arbitration under Australian Commercial Arbitration Rules.

Arbitration proceedings will be conducted in Melbourne, Australia, with decisions final and binding on all parties

Alternative Dispute Resolution

We also participate in relevant industry dispute resolution schemes including the Australian Financial Complaints Authority (AFCA)

AFCA Online Dispute Resolution

Termination of Services

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

Upon termination, your access to services will cease, though certain provisions of this agreement will survive termination

Governing Law and Jurisdiction

These terms are governed by Australian law and the laws of Victoria, Australia. Any legal proceedings must be brought in the appropriate courts of Victoria.

Severability and Enforceability

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

Complete Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between the parties and supersede all prior agreements or understandings.

Modifications to Terms

We reserve the right to modify these terms at any time by posting updated terms on our website.

Significant changes will be communicated to active subscribers with reasonable advance notice

Contact Information for Legal Matters

For questions about these Terms and Conditions or legal matters, please contact us at:

Email Address: contact@miravaloneth.com

Phone Number: +61 7 9018 6434

Business Address: 33 Alfred Street, Sydney NSW, Australia

These Terms and Conditions are effective as of August 18, 2025