Terms & Conditions

Introduction and Acceptance

These Terms and Conditions govern your use of cohanalderoriel Financial Planning Services and constitute a legally binding agreement between you and our company.

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

Definitions

For the purposes of these Terms and Conditions, the following definitions apply:

• • "Service" refers to our financial planning consultation and guidance offerings
• • "User" or "Client" refers to any individual accessing or using our website and services
• • "Content" includes all text, images, information, and materials available through our website
• • "Account" refers to any registered user account created to access our services
• • "Terms" refers to these Terms and Conditions as updated from time to time

Use of Service

Our services are designed to provide financial planning consultation and guidance. You agree to use our services only for legitimate purposes and in accordance with all applicable laws and regulations.

Eligibility

Our services are available to individuals who are at least 18 years of age and have the legal capacity to enter into binding agreements. By using our services, you represent that you meet these eligibility requirements.

Licensed by ASIC AFSL 847329: Licensed by ASIC AFSL 847329

Account Responsibilities

• • Providing accurate and complete information during registration and consultations
• • Maintaining the confidentiality and security of your account credentials
• • Notifying us immediately of any unauthorized access or security breaches
• • Using the service in compliance with all applicable laws and these terms

Prohibited Uses

You agree not to use our service for any of the following prohibited purposes:

• • Providing false or misleading information about your financial situation
• • Attempting to gain unauthorized access to our systems or other user accounts
• • Using our service for any illegal or fraudulent activities
• • Interfering with or disrupting the operation of our website or services
• • Violating the intellectual property rights of cohanalderoriel or third parties
• • Transmitting harmful code, viruses, or other malicious software
• • Using our service to compete with or harm our business interests

Intellectual Property Rights

All content, trademarks, logos, and intellectual property on our website and in our services remain the exclusive property of cohanalderoriel Financial Planning Services.

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

User Content and Information

You retain ownership of any personal information or content you provide to us during consultations or through our website.

By providing information, you grant us a limited license to use this information solely for the purpose of delivering our financial planning services.

You are responsible for ensuring that any information you provide is accurate, current, and does not violate any third-party rights.

Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. Privacy Policy

Service Disclaimers

Our financial planning services are consultative in nature and do not constitute specific financial advice, recommendations, or guarantees of financial outcomes. Results may vary based on individual circumstances, market conditions, and personal implementation of suggested strategies.

Past performance does not guarantee future results.

Limitation of Liability

To the maximum extent permitted by law, cohanalderoriel Financial Planning Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Our total liability for any claims related to our services shall not exceed the amount you have paid for our services in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless cohanalderoriel, its employees, and affiliates 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 any disputes fairly and efficiently through various available mechanisms.

Arbitration Process

Any disputes arising from these terms or our services will be resolved through binding arbitration in accordance with Australian commercial arbitration rules.

European Union Online Dispute Resolution

EU residents may access the European Commission's Online Dispute Resolution platform for resolving disputes related to online services.

Termination

Either party may terminate the service relationship at any time with appropriate notice. We reserve the right to suspend or terminate access for violations of these terms.

Upon termination, your right to use our services ceases immediately, though certain provisions of these terms will survive termination.

Governing Law

These Terms and Conditions are governed by the laws of Australia, and any disputes will be subject to the jurisdiction of Australian courts.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time to reflect changes in our services, legal requirements, or business practices.

We will notify users of material changes by posting updated terms on our website and updating the effective date.

Severability

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

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other referenced policies, constitute the complete agreement between you and cohanalderoriel Financial Planning Services.

Contact Information

For questions about these Terms and Conditions or our services, please contact us using the information provided in our main contact section.