Terms and Conditions

These Terms and Conditions govern your use of velanoriquez's financial planning subscription service. By subscribing to our service or using our website, you agree to be bound by these terms.

Last updated: September 10, 2025

Acceptance of Terms

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

These terms constitute a legally binding agreement between you and velanoriquez Pty Ltd.

Service Description

velanoriquez provides a monthly subscription-based financial planning service that includes:

  • Regular one-on-one consultation sessions with qualified financial planners
  • Analytical reviews of your financial situation and goal-setting discussions
  • Ongoing email support for questions between scheduled sessions

Your Responsibilities

As a subscriber, you agree to:

Account Security

Maintain the confidentiality of your account information and notify us immediately of any unauthorized access to your account.

Accurate Information

Provide accurate and complete information during consultations and promptly update us about any changes that may affect your financial planning.

Lawful Use

Use our services only for their intended purpose and in compliance with all applicable Australian laws and regulations.

Prohibited Uses

You agree not to use our services for:

  • Any unlawful purposes or activities that violate Australian laws
  • Providing false or misleading information during consultations
  • Attempting to gain unauthorized access to our systems or other users' accounts
  • Sharing your account access with unauthorized third parties
  • Using our intellectual property without explicit written permission

Intellectual Property

All content on our website and provided through our services, including text, graphics, logos, and planning materials, is owned by velanoriquez and protected by Australian copyright law.

You may not reproduce, distribute, or create derivative works from our copyrighted materials without written permission.

Privacy Policy

Data Protection

Your personal information is handled according to our Privacy Policy, which forms part of these Terms and Conditions. Privacy Policy

Payment Terms

Subscription fees and payment terms are as follows:

Payment Methods

We accept major credit cards and direct debit. Monthly subscription fees of $250 AUD are charged automatically on your billing date. All prices include GST where applicable.

Refund Policy

Subscription fees are non-refundable. You may cancel your subscription at any time, with cancellation taking effect at the end of your current billing period. No partial refunds are provided for unused portions of the subscription period.

Limitation of Liability

To the maximum extent permitted by Australian law, velanoriquez's liability for any claims arising from our services is limited to the total amount you have paid for the subscription service in the 12 months preceding the claim.

We are not liable for indirect, consequential, or special damages, including but not limited to loss of profits or financial losses resulting from decisions made based on our consultations.

Dispute Resolution

Any disputes arising from these terms or our services will be handled through the following process:

Dispute Resolution Process

Disputes will first be addressed through good faith negotiation. If unresolved within 30 days, disputes may be referred to mediation or arbitration under Australian commercial dispute resolution procedures.

Any arbitration will be conducted in Melbourne, Victoria, under the rules of the Australian Commercial Disputes Centre.

Complaints Process

We maintain an internal complaints handling process that meets Australian financial services standards.

Complaints should be directed to our complaints officer and will be acknowledged within 1 business day and resolved within 30 days where possible. Internal dispute resolution process

Termination

Either party may terminate the subscription with 30 days' notice. We may terminate immediately for:

  • Breach of these Terms and Conditions
  • Fraudulent or illegal activity
  • Non-payment of subscription fees

Modifications to Terms

We may modify these Terms and Conditions with 30 days' notice via email or website announcement. Significant changes will be highlighted in our communications.

Continued use of our services after modifications take effect constitutes acceptance of the revised terms.

Governing Law

These terms are governed by the laws of Australia, and any disputes will be resolved in Australian courts with appropriate jurisdiction.

Entire Agreement

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

Questions About Terms

If you have questions about these Terms and Conditions, please contact us at contact@velanoriquez.com or +61 149-626-771.

Company Name: velanoriquez

Email: contact@velanoriquez.com

Phone: +61 149-626-771

Address: 123 Collins Street, Melbourne VIC 3000