Terms and Conditions

Welcome to yelanaeromerio Financial Planning Services. These Terms and Conditions govern your use of our website and services. Please read them carefully before using our services.

Last updated: September 26, 2025

Acceptance of Terms

By accessing our website or using our services, you 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 services. These terms apply to all visitors, users, and clients of our services.

Definitions and Interpretation

In these Terms and Conditions, the following definitions apply:

• "Company," "we," "us," or "our" refers to yelanaeromerio Financial Planning Services Pty Ltd
• "Services" means the financial planning consultation and analytical review services we provide
• "Client" or "you" refers to any person or entity using our services
• "Website" refers to yelanaeromerio.world and all associated pages and functionality

Use of Our Services

Our services are subject to the following terms and conditions of use:

Prohibited Uses

You agree not to use our services for any of the following purposes:

• Any illegal activities or purposes that violate local, state, or international laws
• Transmitting harmful code, viruses, or any other malicious software
• Attempting to gain unauthorised access to our systems or other users' accounts
• Using our services to provide financial advice to third parties without proper authorisation
• Reproducing, distributing, or commercially exploiting our proprietary content or methodologies

User Responsibilities and Account Security

As a user of our services, you are responsible for:

• Maintaining the confidentiality of your account information and login credentials
• Providing accurate, current, and complete information during registration and consultations
• Notifying us immediately of any unauthorised use of your account
• Making your own informed financial decisions based on consultations and guidance received

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services remain the property of yelanaeromerio Financial Planning Services. This includes text, graphics, logos, methodologies, and software. You may not reproduce, distribute, or create derivative works without our express written permission.

Privacy Policy

Your privacy is important to us. Our Privacy Policy, which is incorporated into these terms by reference, explains how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices as described in our Privacy Policy. Privacy Policy

Subscription and Payment Terms

Our services are provided on a subscription basis at $250 per month (inclusive of GST). Payments are processed monthly in advance. Subscription fees are non-refundable except as required by Australian Consumer Law. You may cancel your subscription at any time, with cancellation taking effect at the end of your current billing period.

Termination of Services

Either party may terminate the service relationship at any time with appropriate notice. We reserve the right to suspend or terminate access to our services immediately if you violate these terms. Upon termination, your right to use our services ceases immediately, though certain provisions of these terms will survive termination.

Service Disclaimers

Our consultation services provide general guidance and analytical reviews only. We do not guarantee specific financial outcomes or results. All financial decisions remain your responsibility, and you should consider seeking independent professional advice for significant financial matters.

Limitation of Liability

To the maximum extent permitted by law, yelanaeromerio Financial Planning Services shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability for any claim shall not exceed the amount paid by you for our services in the preceding 12 months.

Indemnification

You agree to indemnify and hold harmless yelanaeromerio Financial Planning Services, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently. The following procedures apply to any disputes arising from these terms or our services:

Governing Law

These Terms and Conditions are governed by the laws of Australia, specifically Victorian state law and relevant federal legislation. Any legal proceedings must be brought in the appropriate courts of Victoria, Australia.

Modifications to Terms

We may modify these Terms and Conditions at any time by posting updated terms on our website. Significant changes will be communicated through email or website notifications. Continued use of our services after modifications constitutes acceptance of the updated terms.

Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the original intent.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other policies referenced herein, constitute the complete agreement between you and yelanaeromerio Financial Planning Services regarding the use of our services.

Contact Information for Terms

If you have questions about these Terms and Conditions or need clarification on any provisions, please contact us using the contact information provided elsewhere on our website.