Terms and Conditions
Terms of Service
These terms and conditions govern your use of zenoorayzo's financial planning consultation services and website. By accessing our services, you agree to be bound by these terms.
If you do not agree with any part of these terms, you should not use our services.
Last updated: September 19, 2025
Key Definitions
For the purposes of these terms:
- "Service" refers to our monthly financial planning consultation service and related website content
- "User" or "Client" refers to individuals who subscribe to or use our consultation services
- "Content" includes all information, materials, and communications provided through our service
- "Company", "we", "us", or "our" refers to zenoorayzo Financial Services Pty Ltd
Using Our Service
Our consultation service is subject to the following terms and conditions:
Eligibility Requirements
Our services are available to Australian residents aged 18 or over who can enter into legally binding contracts. Users must provide accurate information during registration and consultation processes.
18+ only
User Responsibilities
As a user of our service, you agree to:
- Provide accurate and truthful information during consultations
- Pay subscription fees on time and maintain current payment information
- Attend scheduled consultations or provide reasonable notice of cancellation
- Respect our consultants' time and expertise during sessions
- Understand that consultations provide general guidance, not specific professional advice
Prohibited Activities
You may not use our service to:
- Share consultation content or materials with unauthorised third parties
- Record consultations without express written permission
- Use information obtained to compete with our business
- Harass, abuse, or mistreat our staff or other users
- Violate any applicable laws or regulations
Intellectual Property
All content, materials, methodologies, and consultation frameworks remain the intellectual property of zenoorayzo Financial Services Pty Ltd.
We grant you a limited, non-exclusive license to use our service for personal financial planning purposes only.
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these terms.
Privacy Policy
Important Disclaimers
Our consultation service is provided "as is" without warranties of any kind. We do not guarantee specific financial outcomes or results.
Past performance does not guarantee future results. Individual results may vary based on personal circumstances and market conditions.
Individual results may vary.
Limitation of Liability
To the maximum extent permitted by Australian law, we exclude liability for any indirect, consequential, or special damages arising from use of our service.
Our total liability for any claims will not exceed the amount paid for services in the 12 months preceding the claim.
User Indemnification
You agree to indemnify zenoorayzo against any claims, damages, or expenses arising from your breach of these terms or misuse of our service.
Service Termination
Either party may terminate the service relationship under the following circumstances:
- Users may cancel their subscription with 30 days' written notice
- We may terminate service for breach of terms or non-payment
- Either party may terminate immediately for material breach of contract
Dispute Resolution Process
We encourage resolving disputes through direct communication first. If this fails:
Formal Resolution
Disputes may be resolved through mediation or arbitration in accordance with Australian commercial dispute resolution procedures.
Any formal proceedings will be conducted in Sydney, New South Wales, under Australian law.
External Dispute Resolution
As a licensed financial service provider, we participate in the Australian Financial Complaints Authority (AFCA) scheme.
Australian Financial Complaints Authority
This does not limit your rights under Australian Consumer Law or other applicable consumer protection legislation.
Governing Law and Jurisdiction
Any disputes arising from our services will be subject to the jurisdiction of Australian courts.
These terms are governed by the laws of New South Wales and the Commonwealth of Australia. Australian courts have exclusive jurisdiction over any disputes.
Changes to Terms
We may update these terms periodically to reflect changes in our service or legal requirements.
Significant changes will be communicated via email or website notice at least 30 days before taking effect.
Severability
If any provision of these terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and zenoorayzo Financial Services Pty Ltd.
Questions About Terms
If you have questions about these terms or need clarification on any provisions, please contact us using the information provided on our website.
Effective Date: September 19, 2025
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