Terms and Conditions

These Terms and Conditions ("Terms") govern your use of the website areydaraeuilo.com and the financial planning consultation services provided by areydaraeuilo ("we," "us," or "our"). By accessing our website or using our services, you agree to be bound by these Terms.

Last updated: August 19, 2025

Acceptance of Terms

By accessing this website, registering for our services, or engaging in consultations, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you must not use our website or services.

Definitions

For the purposes of these Terms:

• "Service" refers to the financial planning consultation services provided through our monthly subscription model
• "User" or "Client" refers to any individual who accesses our website or engages our consultation services
• "Company" refers to areydaraeuilo and its representatives providing consultation services
• "Content" includes all information, text, graphics, and materials available on our website or during consultations

Use of Our Services

Our consultation services are designed to provide general financial planning discussions and guidance. Users must understand and agree to the following conditions:

Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

User Accounts

When you register for our services, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You must notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to protect your account information.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and truthful information during consultations and registration
• Use our services only for lawful purposes and in accordance with these Terms
• Respect the intellectual property rights of our content and materials
• Maintain confidentiality regarding proprietary consultation methods or materials
• Notify us of any changes to your contact information or circumstances that may affect our services

Prohibited Uses

You may not use our website or services to:

• Violate any applicable federal, state, local, or international law or regulation
• Transmit or procure the sending of any advertising or promotional material without our consent
• Impersonate or attempt to impersonate our company, employees, or other users
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of our services
• Use our services in any manner that could disable, overburden, or impair our systems
• Attempt to gain unauthorized access to our systems, accounts, or networks

Intellectual Property Rights

The content on our website and in our consultations, including text, graphics, logos, button icons, images, and software, is the property of areydaraeuilo or its content suppliers and is protected by Australian and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any of our content without our explicit written permission. Limited personal use for consultation purposes is permitted under these Terms.

Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our services. By using our services, you also agree to our Privacy Policy. Privacy Policy

Service Disclaimers

Our consultation services are provided for informational and educational purposes only. We do not provide personalized financial advice, investment recommendations, or professional financial planning services. All information discussed during consultations should be considered general in nature.

We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information provided during consultations. Any reliance you place on such information is strictly at your own risk.

Limitation of Liability

To the fullest extent permitted by applicable law, areydaraeuilo and its representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, or other intangible losses, resulting from your use of our services.

In no event shall our total liability to you for all damages exceed the amount you paid us for services during the twelve months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of liability, so these limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless areydaraeuilo and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use our services will cease immediately.

You may terminate your subscription at any time by contacting us. Termination does not relieve you of any obligations incurred prior to termination or affect any rights that should survive termination by their nature.

Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through the following process:

Arbitration and Dispute Resolution

Any controversy or claim arising out of or relating to these Terms or our services shall first be addressed through good faith negotiations. If negotiations fail, disputes may be resolved through binding arbitration under Australian arbitration law.

You retain the right to bring individual claims in small claims court if they qualify. Class action lawsuits and jury trials are waived for disputes covered by this arbitration provision.

EU Online Dispute Resolution

For European clients, dispute resolution services are available through relevant consumer protection agencies.

For European clients, online dispute resolution is available through the EU ODR platform.: https://ec.europa.eu/consumers/odr

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Australia, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in Australian courts.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and areydaraeuilo regarding our services and supersede all prior agreements and understandings.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the updated Terms on our website with a new "last updated" date.

Your continued use of our services after changes become effective constitutes acceptance of the modified Terms. If you disagree with changes, you must discontinue use of our services.

Contact Information

If you have questions about these Terms, please contact us at contact@areydaraeuilo.com or +61 360 427 851.