Terms and Conditions
These Terms and Conditions govern your use of nectororiva Financial Planning Services and our website at nectororiva.com.
Last updated: September 4, 2025
Acceptance of Terms
Continued use of our services following any changes constitutes acceptance of the modified disclaimer terms.
Service Usage Guidelines
By using our services, you agree to the following conditions:
- Services are provided for personal, non-commercial use only
- You must provide accurate and complete information during consultations
- All discussions and materials are confidential and not to be shared publicly
- You acknowledge that planning involves risk and outcomes may vary
Your Responsibilities
As a client of our services, you agree to:
Client Obligations
- Provide honest and complete financial information during consultations
- Maintain confidentiality of proprietary methods and analytical approaches
- Use our services in accordance with Australian laws and regulations
- Notify us promptly of any changes to your contact information
Prohibited Uses
The following activities are strictly prohibited:
- Sharing login credentials or account access with unauthorized persons
- Using our services for illegal or fraudulent purposes
- Attempting to reverse engineer or copy our proprietary methodologies
- Harassing or inappropriate behavior toward our staff or other clients
- Using our services to provide advice to third parties without authorization
Intellectual Property
All content, methodologies, and materials provided through our services remain the exclusive intellectual property of nectororiva Financial Planning Services and are protected by Australian copyright and trademark laws.
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information. Privacy Policy
Payment and Billing Terms
The following payment terms apply to our subscription service:
- Monthly subscription fees of $250 AUD are billed in advance and include GST
- Payments are processed automatically using your chosen payment method
- Refunds are not available for services already provided or partial months
Service Termination
Either party may terminate the service relationship with 30 days written notice. We reserve the right to suspend or terminate services immediately for violation of these terms or non-payment.
Disclaimers and Limitations
Important limitations apply to our services:
We provide services "as is" without warranties of any kind and do not guarantee specific financial outcomes
Our liability is limited to the amount paid for services in the preceding 12 months
User Indemnification
Users agree to indemnify nectororiva Financial Planning Services against claims arising from misuse of our services or violation of these terms.
Dispute Resolution
For disputes arising from these terms or our services:
Dispute Resolution Process
Disputes will be resolved through mediation or arbitration under Australian Commercial Disputes Centre rules before pursuing court action.
Complaints Process
For complaints about our services, contact the Australian Financial Complaints Authority at afca.org.au or phone 1800 931 678.
Applicable Law
These terms are governed by Australian law and subject to the exclusive jurisdiction of Australian courts.
Severability Clause
If any provision of this disclaimer is deemed unenforceable, the remaining provisions shall continue in full force and effect.
Complete Agreement
These terms constitute the entire agreement between you and nectororiva Financial Planning Services regarding use of our services, superseding any previous agreements.
Terms Modifications
We may modify these terms at any time by posting updated versions on our website. Continued use of our services constitutes acceptance of modified terms.
Contact Information
For questions about these terms, contact us:
Effective Date: September 4, 2025