Terms and Conditions

Acceptance of Terms

By accessing our website or subscribing to our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

These terms create a legally binding agreement between you and pleniqosaria.

Key Definitions

For clarity, these terms have the following meanings throughout this agreement:

• "Service":: Our subscription-based financial planning consultations and guidance provided through pleniqosaria.com
• "User" or "You":: Any individual who accesses our website or subscribes to our financial planning services
• "Content":: All information, guidance, materials, and communications provided through our service
• "Account":: Your subscription account providing access to our planning services and communications

Service Description

We provide subscription-based financial planning guidance through monthly consultations, ongoing support, and educational content. Our services focus on general guidance and strategic planning rather than specific investment recommendations.

Service availability may vary and is subject to professional capacity and regulatory requirements.

Your Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information for planning purposes
• Maintain the confidentiality of your account information
• Use our services only for legitimate financial planning purposes
• Comply with all applicable Australian laws and regulations
• Make independent decisions regarding your financial affairs

Prohibited Uses

You may not use our services or website for:

• Any illegal activities or violation of Australian financial services laws
• Attempting to access unauthorized areas of our website or systems
• Sharing your account access with other individuals
• Using our content for commercial purposes without written permission
• Harassing or disrupting our services or team members

Intellectual Property

All content, materials, and intellectual property on our website and in our services remain the exclusive property of pleniqosaria and are protected by Australian and international copyright laws.

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

Privacy Policy

Your personal information is handled according to our Privacy Policy, which forms part of these terms. Privacy Policy

Payment and Subscription Terms

Subscription payments are processed according to these terms:

Service Disclaimers

Our services provide general guidance and educational content only. We do not guarantee specific financial outcomes or provide investment advice requiring a Statement of Advice under Australian regulations.

Limitation of Liability

To the fullest extent permitted by Australian Consumer Law, our liability for any claims arising from your use of our services is limited to the amount you have paid for the service in the preceding 12 months.

This limitation does not affect your rights under Australian Consumer Law where such limitation would be prohibited.

Indemnification

You agree to indemnify and hold harmless pleniqosaria and its team members from any claims, losses, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through established Australian mechanisms.

Termination

Either party may terminate your subscription with 30 days written notice. We may terminate immediately for material breach of these terms.

Upon termination, your access to services will cease, though certain provisions of these terms will survive termination.

Governing Law

These terms are governed by Australian law and the laws of the state or territory where you reside. Australian courts have jurisdiction over any disputes.

Severability

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

Entire Agreement

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

Changes to Terms

We may update these terms periodically to reflect changes in our services, legal requirements, or business practices.

We will notify you of material changes via email or website notice at least 30 days before they take effect.

Contact Information

For questions about these terms or our services, please contact us using the details provided in our Contact section.