Terms and Conditions

Service Agreement

These terms and conditions govern your use of Zenarilophexa's financial planning consultation services. By using our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. Your continued use constitutes acceptance of these terms and any updates we may make.

Definitions

The following definitions apply throughout these terms and conditions.

• Services: Financial planning consultations, analytical reviews, and guidance provided by Zenarilophexa
• Client: Any individual or entity that engages our consultation services
• Agreement: These terms and conditions along with any service-specific agreements
• Personal Information: Any information that identifies or can be used to identify an individual client

Use of Our Services

Our consultation services are subject to specific terms of use and limitations.

Permitted Uses

• Engaging in good faith consultations about your financial situation
• Providing accurate information necessary for meaningful consultations
• Using our guidance and analytical reviews for personal financial decisions

Prohibited Uses

• Misrepresenting your financial situation or providing false information
• Using our services for illegal activities or fraudulent purposes
• Sharing confidential consultation materials without permission
• Attempting to reverse-engineer or copy our proprietary methodologies
• Harassing or abusing our staff or other clients

Your Responsibilities

As a client, you have specific responsibilities when using our consultation services.

• Provide accurate and complete information during consultations
• Attend scheduled appointments or provide reasonable notice of cancellations
• Pay fees promptly according to agreed terms
• Maintain confidentiality of proprietary consultation materials
• Make independent decisions based on the guidance provided

Intellectual Property

All consultation materials, methodologies, frameworks, and proprietary tools remain the exclusive intellectual property of Zenarilophexa. Clients receive a limited licence to use materials for personal financial planning purposes only.

You may not reproduce, distribute, modify, or commercialise any consultation materials without express written permission.

Privacy and Data Protection

We are committed to protecting your privacy and personal information in accordance with Australian privacy laws and our privacy policy.

Payment Terms

Payment terms for our consultation services are as follows.

• Subscription fees are charged monthly in advance at $250 AUD plus applicable taxes
• Payment is due within 7 days of invoice date unless alternative arrangements are agreed
• Late payments may incur additional charges and service suspension
• Refunds are available only in specific circumstances as outlined in our service agreement

Service Termination

Either party may terminate the consultation agreement under certain conditions.

Termination by Client: You may cancel your subscription with 30 days written notice. Services continue until the end of your current billing period.

Termination by Zenarilophexa: We may terminate services for breach of these terms, non-payment, or other serious violations with appropriate notice.

Disclaimers and Limitations

Important limitations apply to our consultation services and your use of our guidance.

No Warranty

Our consultation services are provided "as is" without warranties of any kind. We do not guarantee specific financial outcomes or results from following our guidance.

To the maximum extent permitted by law, our liability is limited to the fees paid for consultation services. We are not liable for indirect or consequential damages.

Indemnification

You agree to indemnify Zenarilophexa against any claims, damages, or expenses arising from your breach of these terms or misuse of our consultation services.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently through various mechanisms.

Dispute Resolution Process

Disputes will first be addressed through direct negotiation. If unresolved, matters may proceed to mediation or other alternative dispute resolution methods.

Formal disputes are subject to Australian law and the jurisdiction of Australian courts or relevant industry dispute resolution bodies.

Consumer Protection

Australian consumers may access free dispute resolution through the Australian Financial Complaints Authority (AFCA) for eligible disputes.

Learn about AFCA: https://www.afca.org.au

AFCA can be contacted at info@zenarilophexa.com: contact@zenarilophexa.com

Governing Law

All matters relating to our consultation services are governed by the laws of Australia, including consumer protection legislation and financial services regulations.

These terms are governed by Australian law. Any disputes fall under the jurisdiction of Australian courts, subject to applicable consumer protection legislation.

Terms Updates

We may update these terms periodically to reflect changes in our services or legal requirements. Material changes will be communicated with reasonable notice.

Continued use of our services after term changes constitutes acceptance of the updated terms.

Severability

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

Entire Agreement

These terms, together with our privacy policy and service agreements, constitute the entire agreement between you and Zenarilophexa regarding our consultation services.

Questions About These Terms

If you have questions about these terms and conditions, please contact us using the information provided on our contact page.

Email: contact@zenarilophexa.com

Phone: +61 7 5474 1360

Address: 360 Elizabeth Street, Melbourne VIC 3000, Australia

Last Updated: August 24, 2025

Effective Date: August 24, 2025