Terms and Conditions of Service

These Terms and Conditions govern your use of praxionylvar's website and financial planning subscription services. By using our services, you agree to be bound by these terms.

Last updated: September 18, 2025

Effective Date: September 9, 2025

Acceptance of Terms

By accessing our website, subscribing to our services, or participating in consultations, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree with any part of these terms, you must not use our website or services.

Definitions and Interpretations

For the purposes of these Terms and Conditions:

• "Service" or "Services": refers to our financial planning subscription service, consultations, and related offerings
• "Client" or "You": refers to any individual or entity using our website or subscribing to our services
• "Company", "We", or "Us": refers to praxionylvar and its officers, directors, employees, and authorised representatives
• "Agreement": refers to these Terms and Conditions along with our Privacy Policy and other applicable policies

Service Description and Scope

We provide subscription-based financial planning services including personalised consultations, analytical reviews, and ongoing guidance to help clients make informed financial decisions. Our services are educational and advisory in nature.

We do not provide specific investment recommendations for individual securities, nor do we manage client funds or act as investment managers.

User Eligibility Requirements

Our services are available to individuals aged 18 and over who are legally capable of entering into binding agreements. By using our services, you represent that you meet these eligibility requirements and that all information provided is accurate and complete.

Client Responsibilities and Obligations

As a client of our services, you agree to:

• Provide accurate and complete information for all consultations and communications
• Maintain the confidentiality of your account credentials and notify us of any unauthorised access
• Use our services only for lawful purposes and in accordance with these terms
• Keep your contact information current to ensure proper service delivery
• Seek additional professional advice as recommended for your specific circumstances

Prohibited Uses and Activities

You agree not to use our website or services to:

Intellectual Property Rights

All content on our website, including text, graphics, logos, software, and other materials, is owned by praxionylvar or our licensors and is protected by Australian and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from our content without written permission.

Privacy Policy and Data Protection Information

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Privacy Policy View Privacy Policy

Subscription and Payment Terms

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

• Monthly subscription fee of $250 AUD, charged in advance
• Payments are processed automatically using your chosen payment method
• All fees include GST where applicable and are non-refundable except as required by law

Limitation of Liability

Our liability to you is limited to the maximum extent permitted by Australian law.

User Indemnification

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

Dispute Resolution

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

Service Termination

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

Upon termination, you will retain access to services through the end of your current billing period.

Governing Law

These Terms and Conditions are governed by the laws of Australia and the state of Victoria.

Any legal proceedings arising from these terms shall be subject to the exclusive jurisdiction of Australian courts.

Severability

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

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and praxionylvar regarding your use of our services.

Terms Modifications

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

Significant changes will be communicated via email or prominent website notice with at least 30 days advance notice.

Cookie Policy Contact Information

For questions about these Terms and Conditions, please contact us at contact@praxionylvar.com or using the contact information provided elsewhere on our website.