Terms and Conditions
Welcome to mavolaurabalio
These Terms and Conditions ("Terms") govern your use of the mavolaurabalio website and financial planning services.
By accessing our website or using our services, you agree to comply with and be bound by these Terms.
Please read these Terms carefully before using our website or engaging our services.
Acceptance of Terms
Your access to and use of our website constitutes your agreement to these Terms and our Privacy Policy.
If you do not agree with any part of these Terms, you must not use our website or services.
Description of Services
mavolaurabalio provides subscription-based financial planning consultation services to Australian residents and eligible international clients.
Our services include personalized financial consultations, planning guidance, and ongoing support delivered through monthly sessions.
Our services are consultation-based and do not include direct asset management or securities trading.
Eligibility Requirements
To use our services, you must meet the following requirements:
- Be at least 18 years of age
- Have legal capacity to enter into binding agreements
- Provide accurate and complete information during registration
18+ only
User Responsibilities
As a user of our services, you are responsible for:
Account Security
- Maintaining the confidentiality of your account credentials
- Notifying us immediately of any unauthorized access
- Being responsible for all activities under your account
Accurate Information
Providing truthful, accurate, and complete information about your financial situation to ensure appropriate service delivery.
Prohibited Uses
You may not use our website or services for any of the following purposes:
- Any unlawful purpose or in violation of applicable laws
- Transmitting harmful, offensive, or inappropriate content
- Attempting to gain unauthorized access to our systems
- Interfering with the proper functioning of our website
- Collecting or harvesting information about other users
- Using our services for any commercial purpose without authorization
Intellectual Property Rights
All content, materials, and intellectual property on our website are owned by mavolaurabalio or our licensors.
You may not reproduce, distribute, modify, or create derivative works without our express written permission.
Your use of our website does not grant you any ownership rights to our intellectual property.
Privacy and Data Protection
Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy.
By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
Payment Terms
Our subscription service operates on the following payment terms:
- Monthly subscription fee of $250 AUD (including GST)
- Payment is due monthly in advance via automatic billing
- Cancellation requires 30 days written notice
- No refunds for partial month usage
All fees are subject to change with 30 days advance notice to subscribers.
Disclaimers and Warranties
Our services are provided for consultation purposes only and do not guarantee specific financial outcomes.
Past performance does not guarantee future results. Individual results may vary based on personal circumstances.
Our website and services are provided "as is" without warranties of any kind, either express or implied.
Limitation of Liability
To the maximum extent permitted by Australian law, mavolaurabalio's liability is limited to the amount you paid for services in the 12 months preceding the claim.
We are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.
This limitation applies regardless of whether the claim is based on contract, tort, or any other legal theory.
Indemnification
You agree to indemnify and hold harmless mavolaurabalio from any claims, damages, or expenses arising from your use of our services or violation of these Terms.
Dispute Resolution
Any disputes arising from these Terms or our services will be resolved through the following process:
Arbitration
Disputes will be resolved through binding arbitration in accordance with Australian commercial arbitration rules.
Arbitration proceedings will be conducted in Melbourne, Victoria, or another mutually agreed location.
Alternative Dispute Resolution
We are committed to resolving disputes amicably and may use alternative dispute resolution services when appropriate.
International Disputes::
https://ec.europa.eu/consumers/odrTermination
You may terminate your subscription at any time with 30 days written notice.
We may terminate your access to our services for violation of these Terms or non-payment.
Upon termination, your right to use our services ceases immediately, though certain provisions of these Terms will survive termination.
Governing Law
These Terms are governed by and construed in accordance with the laws of Australia.
Any legal proceedings must be brought in the courts of Victoria, Australia.
Changes to Terms
We reserve the right to modify these Terms at any time with reasonable advance notice.
Significant changes will be communicated via email or prominent website notice.
Continued use of our services after changes constitutes acceptance of the modified Terms.
Severability
If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and any other referenced policies, constitute the entire agreement between you and mavolaurabalio.
Contact Information
For questions about these Terms, please contact us at contact@mavolaurabalio.world or +61 0 162 163.
Email:: contact@mavolaurabalio.world
Phone:: +61 0 162 163
Address:: 127 Collins Street, Melbourne VIC 3000
Last updated: September 17, 2025
These Terms are effective as of September 6, 2025.