Terms and Conditions of Service

Service Agreement Overview

These terms and conditions govern your use of zypheralon Financial Planning's subscription-based financial planning services and website.

By using our services or website, you agree to be bound by these terms and conditions.

This agreement is legally binding between you and zypheralon Financial Planning Pty Ltd.

Key Terms and Definitions

For clarity, the following terms have specific meanings:

• • "Service" refers to our subscription-based financial planning consultations and related support
• • "User" or "Client" refers to individuals who subscribe to our services or visit our website
• • "Content" includes all information, advice, materials, and resources provided through our service
• • "Agreement" refers to these terms and conditions and any additional service agreements

Service Usage Guidelines

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

Prohibited Activities

The following activities are strictly prohibited:

• • Using our services for illegal activities or fraudulent purposes
• • Sharing consultation content or materials with unauthorized third parties
• • Attempting to access other users' information or accounts
• • Disrupting or interfering with our website or service delivery systems
• • Misrepresenting your identity or providing false information
• • Using our content or advice for commercial purposes without authorization

Intellectual Property Protection

All content, materials, methodologies, and resources provided through our services are protected by intellectual property rights.

zypheralon Financial Planning retains ownership of all proprietary content, planning frameworks, and consultation materials.

Users may not reproduce, distribute, or commercially exploit our intellectual property without express written permission.

User-Generated Content

You retain ownership of personal information and data you provide during consultations.

You grant us a limited license to use your information solely for providing contracted services.

You are responsible for ensuring all information provided is accurate and legally compliant.

Privacy and Data Protection

Your privacy is important to us and we handle personal information in accordance with Australian privacy legislation.

Detailed privacy practices are outlined in our Privacy Policy, which forms part of this agreement. Privacy Policy

Service Disclaimers

Our services are provided "as is" without warranties regarding specific financial outcomes or results.

We disclaim all warranties, express or implied, including merchantability and fitness for particular purposes.

Individual results may vary significantly based on personal circumstances and market conditions.

Past performance does not guarantee future results.

Limitation of Liability

To the fullest extent permitted by law, our liability is limited to the amount paid for services in the 12 months preceding any claim.

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

Total aggregate liability shall not exceed $5,000 AUD or the total fees paid, whichever is lower.

User Indemnification

Users agree to indemnify and hold harmless zypheralon Financial Planning from claims arising from their use of our services.

This includes claims related to financial decisions made following consultations or breach of these terms.

Service Termination

Either party may terminate the service relationship with 30 days written notice.

Upon termination, access to ongoing consultations ceases, though previously provided materials may be retained for personal use.

Confidentiality, intellectual property, and liability limitation provisions survive termination.

Dispute Resolution Process

We encourage resolving disputes through direct communication before formal proceedings:

Governing Law and Jurisdiction

Any disputes arising from the use of our services shall be subject to the exclusive jurisdiction of Australian courts.

These terms are governed by Australian federal law and the laws of Victoria.

Where applicable, local state and territory regulations may also apply to specific service aspects.

Severability of Terms

If any provision is deemed invalid or unenforceable, the remaining terms continue in full force.

Invalid provisions will be replaced with enforceable terms that most closely reflect the original intent.

Complete Agreement

These terms, together with our Privacy Policy and service agreements, constitute the complete agreement between parties.

This agreement supersedes all previous agreements, understandings, or communications regarding the subject matter.

Terms Modification

zypheralon Financial Planning reserves the right to modify these terms with reasonable notice to users.

Material changes will be communicated via email and website notifications.

Continued use of services following notification constitutes acceptance of modified terms.

Terms Contact Information

For questions about these terms or to report violations, contact us at:

Effective date: August 15, 2025

Last updated: August 15, 2025