Terms and Conditions
These terms and conditions govern your use of afiranovotelos Financial Planning Services and our website at afiranovotelos.world.
Last updated: October 11, 2025
Acceptance of Terms
By accessing our website or using our services, you agree to be bound by these terms and conditions and all applicable laws and regulations.
Service Description
afiranovotelos provides subscription-based financial planning consultation services including personalized guidance, strategic planning reviews, and ongoing support for Australian residents.
User Eligibility
To use our services, you must meet these requirements:
- Be at least 18 years of age
- Be an Australian resident or have legal capacity to enter contracts
- Provide accurate and complete information during registration
User Responsibilities
As a user of our services, you agree to:
- Provide accurate and truthful information about your financial situation
- Keep your account information secure and confidential
- Use our services only for lawful purposes
- Notify us promptly of any changes to your circumstances
Prohibited Uses
You may not use our services for:
- Any unlawful or fraudulent activities
- Impersonating others or providing false information
- Attempting to gain unauthorized access to our systems
- Disrupting or interfering with our services
Intellectual Property
All content, materials, and intellectual property on our website remain the exclusive property of afiranovotelos Financial Planning Services and are protected by copyright and other laws.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy for information about how we collect and use your data. Privacy Policy
Payment Terms
Payment terms for our subscription services:
- Monthly subscription fee of $250 AUD plus applicable GST
- Payments are processed monthly in advance via secure payment methods
- Failed payments may result in service suspension after reasonable notice
Cancellation and Refunds
Subscriptions can be cancelled with 30 days written notice. No refunds are provided for partial months, but service continues until the end of the billing period.
Limitation of Liability
Our liability is limited to the maximum extent permitted by law. We are not liable for indirect, consequential, or punitive damages.
Our total liability shall not exceed the amount paid for services in the preceding twelve months.
User Indemnification
Users agree to indemnify afiranovotelos Financial Planning Services against claims arising from their use of our services.
Dispute Resolution
For dispute resolution, we participate in the Australian Financial Complaints Authority scheme.
Dispute Resolution
Disputes shall be resolved through good faith negotiation, mediation, or binding arbitration under Australian law.
Online Dispute Resolution
Australian Financial Complaints Authority
Governing Law
These terms are governed by the laws of Australia and the state of New South Wales.
Severability
If any provision is found unenforceable, the remaining provisions continue in full effect.
Entire Agreement
These terms constitute the entire agreement between you and afiranovotelos Financial Planning Services regarding our services.
Terms Modifications
We reserve the right to modify these terms at any time. Material changes will be communicated with reasonable notice.
Termination
Either party may terminate the service relationship with appropriate notice as specified in the cancellation terms.
Contact Us
For questions about these terms, please contact us using the information provided in our contact section.
Company Name: afiranovotelos
Email Address: contact@afiranovotelos.world
Phone Number: +61 694 162 893
Business Address: 142 Collins Street, Melbourne VIC 3000, Australia
These terms are effective as of October 11, 2025.