Terms and Conditions of Service

Service Agreement

These terms and conditions govern your use of lunaverithoq's financial consultation services. By subscribing to or using our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. Your subscription constitutes acceptance of all terms outlined below.

Definitions

For purposes of this agreement, the following terms have these meanings:

• • "Service" refers to lunaverithoq's financial consultation and analytical review services provided through subscription
• • "User" or "Client" refers to any individual who subscribes to or uses our services
• • "Content" includes all materials, advice, analyses, and communications provided through our service
• • "Account" refers to your subscription account and associated access credentials

Service Usage Terms

Your use of our consultation services is subject to the following conditions:

Eligibility Requirements

You must be at least 18 years old and legally capable of entering into binding agreements. Services are available to residents of Australia and select international locations.

18+ only

User Responsibilities

As a service user, you agree to:

• • Provide accurate and complete information for consultation purposes
• • Use our services only for lawful purposes and personal financial planning
• • Maintain confidentiality of your account credentials
• • Respect intellectual property rights of all content and materials
• • Comply with all applicable laws and regulations

Prohibited Activities

You may not use our services for:

• • Any illegal activities or purposes prohibited by law
• • Commercial redistribution of our content or analyses
• • Attempting to access unauthorized areas of our systems
• • Sharing account credentials or allowing unauthorized access
• • Harassment, abuse, or inappropriate communication with staff
• • Reverse engineering or copying our proprietary methodologies

Intellectual Property

All content, methodologies, analyses, and materials provided through our service remain the exclusive intellectual property of lunaverithoq and our licensors.

We grant you a limited, non-transferable license to use our content solely for personal financial planning purposes during your active subscription.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms part of this agreement. Privacy Policy

Payment and Billing

Subscription services are billed according to the following terms:

• • Monthly subscriptions are billed in advance on the same date each month
• • All prices include applicable taxes and fees as required by Australian law
• • Payment must be made through approved payment methods only
• • Failed payments may result in service suspension after appropriate notice

Service Disclaimers

Our consultation services are provided "as is" without warranties of any kind. We make no guarantees about specific outcomes or results from our guidance.

We disclaim all warranties, express or implied, including merchantability, fitness for particular purposes, and non-infringement.

Individual results may vary significantly.

Limitation of Liability

To the fullest extent permitted by Australian law:

Our total liability shall not exceed the amount paid for services in the preceding 12 months, regardless of the cause of action.

User Indemnification

You agree to indemnify and hold harmless lunaverithoq from any claims, damages, losses, 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:

Service Termination

Either party may terminate the service relationship at any time. You may cancel your subscription through your account settings or by contacting customer service.

Upon termination, your access to consultation services will cease, but certain terms including confidentiality and intellectual property provisions will survive.

Governing Law

This agreement is governed by the laws of Australia, including the Australian Consumer Law and applicable state and territory regulations.

Australian courts shall have exclusive jurisdiction over disputes arising from this agreement, subject to consumer protection law requirements.

Modifications to Terms

We reserve the right to modify these terms to reflect changes in our services, legal requirements, or business practices.

Significant changes will be communicated through email or prominent website notice at least 30 days before taking effect.

Severability

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

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and lunaverithoq regarding our services.

Contact Information

For questions about these terms or our services, please contact us using the information provided throughout our website.