Terms and Conditions
Welcome to poltheraniqo. These Terms and Conditions govern your use of our website and financial planning subscription services located at poltheraniqo.com.
By accessing our website or using our services, you agree to be bound by these terms. If you disagree with any part of these terms, please do not use our services.
Definitions
For the purposes of these Terms and Conditions:
- Service: Refers to the financial planning consultation and subscription services provided by poltheraniqo
- Company: Refers to poltheraniqo, the provider of financial planning services
- User: Refers to any individual who accesses or uses our services
- Content: Refers to all information, data, text, and materials available through our service
Use of Our Services
Our financial planning subscription service provides consultation and analytical reviews for personal financial management purposes.
Acceptable Use
- You agree to use our services only for lawful purposes and in accordance with these terms
- You must provide accurate and current information during registration and consultation
- You are responsible for maintaining the confidentiality of your account information
Prohibited Activities
When using our services, you agree not to:
- Use our services for any illegal or unauthorised purpose
- Attempt to gain unauthorised access to our systems or other user accounts
- Interfere with or disrupt our services or servers
- Transmit any harmful, offensive, or inappropriate content
- Misrepresent your identity or affiliation with any person or organisation
Your Responsibilities
As a user of our services, you agree to:
- Provide accurate and complete information for consultation purposes
- Maintain the security and confidentiality of your account credentials
- Notify us immediately of any unauthorised use of your account
- Use our services in compliance with all applicable laws and regulations
Intellectual Property Rights
All content, materials, and intellectual property on our website and services remain the property of poltheraniqo or our licensors.
You may not reproduce, distribute, or create derivative works from our content without explicit written permission.
Payment Terms
Our financial planning subscription service operates on a monthly billing cycle at $250 per month, inclusive of GST.
Accepted Payment Methods
We accept major credit cards and bank transfers for subscription payments. All payments are processed securely through encrypted payment systems.
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 subscription periods.
Limitation of Liability
To the maximum extent permitted by Australian law, poltheraniqo's liability is limited as follows:
Our total liability for any claims arising from our services shall not exceed the amount paid by you in the preceding 12 months
We are not liable for any indirect, incidental, or consequential damages arising from your use of our services
Dispute Resolution
Alternative Dispute Resolution
We encourage resolution of disputes through direct communication. If direct resolution is not possible, disputes may be referred to mediation or arbitration under Australian commercial arbitration rules.
You agree to notify us in writing of any dispute and attempt good faith resolution before initiating formal proceedings.
Online Dispute Resolution (EU)
European Union residents may access the European Commission's online dispute resolution platform:
EU Online Dispute Resolution Platform
https://ec.europa.eu/consumers/odr/Termination
Either party may terminate the service relationship under the following conditions:
You may cancel your subscription at any time through your account dashboard or by contacting our support team
Upon termination, your access to services will cease at the end of your current billing period
Indemnification
You agree to indemnify and hold harmless poltheraniqo from any claims, damages, or expenses arising from your breach of these terms or misuse of our services.
Governing Law
These terms are governed by the laws of Australia, specifically the jurisdiction in which poltheraniqo operates.
Any legal proceedings will be conducted in the appropriate Australian state or federal courts.
Modifications to Terms
We reserve the right to modify these terms at any time to reflect changes in our services or applicable laws.
Material changes will be communicated to users via email or website notification at least 30 days prior to implementation.
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and poltheraniqo regarding the use of our services.
Contact Information
For questions about these Terms and Conditions, please contact us:
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
This policy is effective as of: August 8, 2025