Terms and Conditions of Service
These terms govern your use of finoraveliq services and website. By engaging our consultation services or accessing our website, you agree to these terms. Please review them carefully before proceeding.
These terms were last updated on November 3, 2025.
Acceptance of Terms
By scheduling a consultation, using our website, or engaging with finoraveliq services in any manner, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any provision, you should not use our services or website.
Definitions
For clarity, the following terms have specific meanings throughout this agreement:
Services refers to financial consultations, guidance, and support provided by finoraveliq consultants, including zero-based budgeting framework development, expense analysis, values assessment, and ongoing refinement sessions.
Client or You refers to any individual or entity that engages finoraveliq for consultation services or accesses our website for information about our offerings.
Consultant refers to finoraveliq team members who provide financial guidance and budgeting consultation services to clients through scheduled sessions and ongoing support.
Agreement refers to these terms and conditions along with our privacy policy, disclaimer, and any other policies incorporated by reference.
Service Usage Terms
Our consultation services are provided for informational and guidance purposes only. We offer personalized recommendations regarding zero-based budgeting implementation, but ultimate financial decisions remain your responsibility. Services do not constitute financial advice as defined under Australian financial services regulations.
Eligibility
You must be at least eighteen years old and capable of forming binding contracts under Australian law to use our services. By engaging our services, you represent that you meet these requirements.
Services are currently available only to residents of Australia.
Client Responsibilities
As a client of finoraveliq, you agree to the following responsibilities:
Prohibited Uses
You may not use our services or website for any of the following purposes:
Intellectual Property Rights
All content on our website and materials provided during consultations, including text, graphics, methodologies, frameworks, and consultation approaches, remain the intellectual property of finoraveliq. You receive a limited, non-exclusive, non-transferable license to use materials provided during consultations solely for your personal financial planning. You may not reproduce, distribute, modify, or create derivative works without our explicit written consent.
Client-Provided Information
Information you share during consultations, including financial details, goals, and personal circumstances, remains your property. However, you grant us permission to use this information to provide consultation services and to create anonymized, aggregated data for service improvement purposes.
Confidentiality of Client Information
We maintain strict confidentiality regarding information you share during consultations, as detailed in our privacy policy. We will not disclose your personal financial information to third parties except as required by law or with your explicit consent.
Privacy and Data Protection
Your privacy matters to us. Our collection, use, and protection of personal information is governed by our privacy policy, which forms part of this agreement. We comply with Australian privacy law and implement reasonable safeguards to protect your information. By using our services, you consent to data collection and processing as described in our privacy policy.
View Privacy PolicyService Limitations and Disclaimers
Please understand the following important limitations regarding our consultation services:
No Guaranteed Outcomes
We provide guidance and recommendations based on our expertise, but we cannot and do not guarantee specific financial outcomes. Results may vary significantly based on individual circumstances, discipline, external factors, and implementation consistency. Past performance does not guarantee future results.
Limitation of Liability
To the maximum extent permitted by Australian law, finoraveliq and its consultants shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of our services or reliance on recommendations provided, even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify and hold harmless finoraveliq, its consultants, employees, and affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of services, violation of these terms, or infringement of any third-party rights.
Dispute Resolution Process
We are committed to resolving any disputes amicably and efficiently through the following process:
Arbitration
Any dispute arising from these terms or our services shall be resolved through binding arbitration in accordance with the Australian Dispute Resolution Association rules, rather than through court litigation. Arbitration shall take place in Sydney, Australia.
You retain the right to pursue claims in small claims court if they qualify under applicable thresholds.
Online Dispute Resolution
The European Commission provides an online dispute resolution platform for consumers. While finoraveliq operates in Australia, we acknowledge this resource for international visitors.
European Commission ODR PlatformSeverability
If any provision of these terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to achieve the intended purpose to the maximum extent possible, and the remaining provisions shall continue in full force and effect.
Entire Agreement
These terms, together with our privacy policy and disclaimer, constitute the entire agreement between you and finoraveliq regarding use of our services, superseding any prior agreements or understandings, whether written or oral.
Governing Law and Jurisdiction
These terms are governed by and construed in accordance with the laws of New South Wales, Australia, without regard to conflict of law principles. Any disputes not subject to arbitration shall be resolved exclusively in courts located in Sydney, New South Wales.
Termination
Either party may terminate the consultation relationship at any time with written notice. finoraveliq reserves the right to refuse service or terminate client relationships if we determine that circumstances prevent effective consultation or if terms violations occur. Termination does not affect obligations incurred before termination.
Modifications
We reserve the right to modify these terms at any time to reflect changes in our services, legal requirements, or business practices. We will notify clients of material changes via email or website notice. Continued use of services after changes constitutes acceptance of modified terms.
Contact Information
If you have questions about these terms or need clarification regarding any provision, please contact us using the information below.
Email Address: content@finoraveliq.com
Phone Number: +61 3 1322 5869
Postal Address: 373 Bay Street, Port Melbourne, VIC 3207 Australia
Effective Date: These terms became effective on November 3, 2025.
Version: Version 1.2