Terms and Conditions of Service
Welcome to vairamityrio's financial planning subscription service. These terms govern your use of our services and establish the framework for our professional relationship.
Effective Date: September 22, 2025
Acceptance of Terms
By subscribing to our financial planning service, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.
Your continued use of our service constitutes ongoing acceptance of these terms and any updates we may make.
Service Description
Our subscription service provides monthly financial planning consultations and guidance designed to help you make informed financial decisions.
- Monthly one-on-one consultations with experienced financial planning professionals
- Personalized analysis and recommendations based on your circumstances
- Ongoing support and guidance throughout your subscription period
Subscriber Responsibilities
As a subscriber, you have certain responsibilities to ensure effective service delivery and maintain professional standards.
Account Security
You are responsible for maintaining the confidentiality of your account information and notifying us immediately of any unauthorized access.
Information Accuracy
You agree to provide accurate, current, and complete information during consultations and to update us of any material changes.
Legal Compliance
You agree to comply with all applicable laws and regulations in your use of our services and implementation of any guidance provided.
Prohibited Uses
The following uses of our service are prohibited and may result in immediate termination:
- Using the service for illegal activities or fraudulent purposes
- Sharing account access or consultation content with unauthorized third parties
- Attempting to reverse-engineer or copy our methodologies or proprietary systems
- Harassing or inappropriate behavior toward our team members
- Using our service to compete directly with our business offerings
Intellectual Property Rights
All content, methodologies, tools, and materials provided through our service remain the intellectual property of vairamityrio.
You may use provided materials solely for your personal financial planning purposes and may not reproduce, distribute, or commercialize our content.
Payment Terms and Billing
Our subscription service operates on a monthly billing cycle with the following terms:
- Monthly subscription fees of $250 are billed in advance on your billing date
- All fees include applicable GST and are payable in Australian dollars
- Failed payments may result in service suspension until account is current
Termination of Service
Either party may terminate the subscription relationship under the conditions outlined below.
Termination by Subscriber
You may cancel your subscription at any time with 30 days' written notice. No refunds are provided for partial months.
Termination by vairamityrio
We may terminate service for non-payment, violation of terms, or other material breach with appropriate notice as required by Australian consumer law.
Service Disclaimers
Our service is provided "as is" without warranties of specific outcomes or results.
We make no guarantees regarding financial outcomes, market performance, or investment results.
Limitation of Liability
Our liability is limited to the greatest extent permitted by Australian consumer law.
In no event shall our total liability exceed the amount paid for services in the preceding 12 months.
Dispute Resolution
Dispute Resolution Process
Disputes should first be addressed through direct communication with our customer service team. Formal disputes may be escalated through established consumer protection channels.
Consumer Protection
Australian consumer law provides additional protections and remedies for service-related disputes.
For additional dispute resolution resources, visit
Australian Competition and Consumer CommissionIndemnification
Subscribers agree to indemnify vairamityrio against claims arising from misuse of services, provision of false information, or actions taken contrary to our professional guidance.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy for details on how we collect, use, and protect your personal information.
Governing Law
These terms are governed by Australian federal law and the laws of Victoria, Australia.
Any legal proceedings shall be subject to the jurisdiction of the courts of Victoria, Australia.
Modifications to Terms
We may update these terms periodically to reflect service changes or legal requirements.
Material changes will be communicated to subscribers with appropriate notice before taking effect.
Severability
If any provision of these terms is deemed unenforceable, the remaining provisions shall continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and vairamityrio regarding our services.
Terms and Conditions Inquiries
For questions about these terms or our services, please contact us.
Last updated: September 22, 2025
Version 2.1