Terms & Conditions

Agreement to Terms

By accessing and using umbrielarios's website and services, you agree to be bound by these Terms and Conditions and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing this site and our services.

Definitions

For the purposes of these Terms and Conditions:

• "Service": Refers to the financial planning subscription service and consultations provided by umbrielarios
• "User" or "Client": Refers to any individual who accesses our website or subscribes to our services
• "Content": Includes all information, text, graphics, and materials available through our website and services
• "Subscription": The monthly financial planning service package available for $250 per month

Service Description

umbrielarios provides subscription-based financial planning consultations and guidance. Our services include personalized financial reviews, resource allocation discussions, and ongoing planning support.

Services are provided for informational and educational purposes. We do not provide specific financial product recommendations or manage client funds directly.

User Eligibility

To use our services, you must meet the following requirements:

• Be at least 18 years of age and have legal capacity to enter contracts
• Provide accurate and complete information when registering
• Agree to comply with all applicable laws and regulations

User Responsibilities

As a user of our services, you agree to:

Acceptable Use

• Use services only for lawful purposes and in accordance with these terms
• Provide accurate information and keep your account details current
• Maintain confidentiality of your account credentials

Prohibited Activities

• Attempting to gain unauthorized access to our systems or other users' accounts
• Using our services for any illegal or fraudulent activities
• Reproducing, distributing, or modifying our content without permission
• Interfering with the proper functioning of our website or services
• Harassing, threatening, or abusing our staff or other users

Intellectual Property Rights

All content, trademarks, and intellectual property on our website and in our services remain the property of umbrielarios or our licensors and are protected by applicable copyright and trademark laws.

Privacy and Data Protection

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

Please review our Privacy Policy for detailed information about data handling practices. Privacy Policy

Payment Terms

The following payment terms apply to our subscription services:

• Monthly subscription fee of $250 AUD, inclusive of GST
• Payment is due monthly in advance via direct debit or credit card
• Failed payments may result in service suspension after 7 days
• Subscription cancellation requires 30 days written notice

Disclaimers and Warranties

Our services are provided on an "as is" basis without warranties of any kind, either express or implied.

Limitation of Liability

To the fullest extent permitted by law, umbrielarios shall not be liable for any indirect, incidental, special, or consequential damages arising from use of our services.

Our maximum liability for any claim shall not exceed the amount paid by you for services in the preceding 12 months.

Indemnification

You agree to indemnify and hold harmless umbrielarios from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Dispute Resolution

For complaints or disputes, please contact us directly or use the following external services:

Termination

Either party may terminate the service relationship with 30 days written notice. We reserve the right to terminate immediately for breach of these terms.

Upon termination, your access to services will cease and any outstanding fees remain payable.

Governing Law

These terms are governed by Australian law and subject to the jurisdiction of Australian courts.

Severability

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

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and umbrielarios.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website.

Significant changes will be communicated to active subscribers via email notification.

Contact Information for Terms

For questions about these Terms and Conditions, contact us at contact@umbrielarios.com or +61 809-852-483.