Terms and Conditions - Financial Planning Services

Agreement for Financial Planning Services

These Terms and Conditions govern your use of lythonarivo's financial planning services and website. By accessing our services, you agree to be bound by these terms and conditions.

Please read these terms carefully before using our services. Your use of our website and services constitutes acceptance of these terms.

Important Definitions

For clarity, the following terms have specific meanings throughout this agreement

• Services: Monthly financial planning consultations, analysis, and related advisory services provided by lythonarivo
• Client: Any individual or entity that subscribes to or uses our financial planning services
• Subscription: The monthly recurring payment arrangement for ongoing access to our financial planning services
• Confidential Information: All financial, personal, and business information shared during the course of our professional relationship

Permitted Use of Our Services

Our services are intended for legitimate financial planning purposes only. Acceptable uses include

Prohibited Uses and Activities

The following activities are strictly prohibited when using our services

• Providing false or misleading information about your financial situation
• Using our services for illegal activities or money laundering
• Attempting to gain unauthorized access to other clients' information
• Reproducing or distributing our proprietary planning materials without permission
• Using our services to harass, threaten, or abuse our staff or other clients

Your Responsibilities as a Client

As a client, you agree to the following responsibilities

• Provide accurate and complete financial information for effective planning
• Attend scheduled consultations or provide reasonable notice of cancellation
• Keep your account information and login credentials secure
• Notify us promptly of any significant changes to your financial situation

Intellectual Property Rights

All content, materials, analysis, and intellectual property provided through our services remain the property of lythonarivo. You may use these materials for your personal financial planning but may not redistribute or commercialize them.

We grant you a limited, non-exclusive licence to use our materials solely for your personal financial planning purposes.

Privacy and Data Protection

Your privacy is important to us. Please refer to our separate Privacy Policy for detailed information about how we collect, use, and protect your personal information. Privacy Policy

Service Disclaimers

Our financial planning services are provided on an "as is" basis. While we strive for accuracy and quality, we cannot guarantee specific financial outcomes or results.

Limitation of Liability

To the maximum extent permitted by Australian law, lythonarivo's liability for any damages arising from our services is limited to the amount paid for services in the 12 months preceding the claim.

Our total liability shall not exceed the total fees paid by you in the preceding 12-month period.

Client Indemnification

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

Termination of Services

Either party may terminate the service relationship with 30 days' written notice. We reserve the right to terminate services immediately for violation of these terms or non-payment of fees.

Upon termination, you will receive any materials already prepared, and we will securely dispose of confidential information according to our retention policy.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently through the following mechanisms

Applicable Law

These terms are governed by Australian law, and any disputes will be resolved in Australian courts with appropriate jurisdiction.

Severability of Terms

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

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and lythonarivo regarding our services.

Modifications to These Terms

We may update these terms periodically to reflect changes in our services or legal requirements. Updated terms will be posted on our website with the effective date.

Significant changes will be communicated through email or website notifications, and continued use of our services constitutes acceptance of updated terms.

Contact Information

For questions about these Terms and Conditions or to discuss any concerns, please contact us at