Terms and Conditions
These Terms and Conditions govern your use of afeliverowalio's website and consultation services. Last updated October 4, 2025.
Last updated: September 25, 2025
Acceptance of Terms
By accessing our website or using our services, you agree to be bound by these terms and conditions.
If you do not agree with any part of these terms, you must discontinue use of our website and services immediately.
Service Description
afeliverowalio provides financial planning consultation services through monthly subscriptions at $250 per month including GST.
Our services focus on educational consultation and analytical discussions about financial planning approaches, not specific investment advice or asset management.
User Responsibilities
Users of our services agree to:
- Provide accurate and complete information during consultations and registration
- Use services only for lawful purposes and in accordance with these terms
- Maintain confidentiality of account information and login credentials
- Make independent financial decisions based on personal circumstances and professional advice
- Notify us promptly of any changes to contact information or circumstances
Prohibited Uses
Users may not:
- Use our services for illegal activities or to violate any applicable laws or regulations
- Attempt to gain unauthorised access to our systems, accounts, or confidential information
- Distribute malicious software or engage in activities that could harm our website or services
- Use our services to provide advice to third parties or resell consultation services
- Share login credentials or allow unauthorised persons to access your account
Intellectual Property
All content, materials, and intellectual property on our website remain the exclusive property of afeliverowalio Financial Services.
Users may not reproduce, distribute, or create derivative works from our content without written permission.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.
Privacy Policy Read our Privacy Policy
Payment Terms
Monthly subscription fees of $250 including GST are charged automatically on the same date each month. Representative APR: 0% (no interest charges apply to monthly subscriptions).
Payment is due immediately upon subscription activation and continues monthly unless cancelled.
Refunds are not provided for partial months. Cancellation takes effect at the end of the current billing period.
Limitation of Liability
afeliverowalio's liability is limited to the maximum extent permitted by Australian law.
We are not liable for indirect, consequential, or punitive damages arising from use of our services. Our total liability cannot exceed the amount paid for services in the 12 months preceding any claim.
User Indemnification
Users agree to indemnify afeliverowalio against claims arising from misuse of services or violation of these terms.
Termination
Either party may terminate the subscription with 30 days' written notice. We may terminate immediately for breach of terms.
Upon termination, access to consultation services ceases, but these terms remain in effect for completed transactions.
Dispute Resolution
We encourage resolution of disputes through direct communication before pursuing formal procedures.
Australian Dispute Resolution
Disputes that cannot be resolved directly may be submitted to mediation or arbitration under Australian dispute resolution procedures.
Alternative Dispute Resolution
Australian consumers can access dispute resolution through the Australian Financial Complaints Authority.
AFCA Website https://www.afca.org.au
Governing Law
Any disputes arising from the use of this website or services shall be subject to the exclusive jurisdiction of Australian courts.
Changes to Terms
We reserve the right to modify these terms at any time to reflect changes in our services or legal requirements.
Material changes will be communicated through our website or direct notification to subscribers.
Entire Agreement
These terms constitute the complete agreement between you and afeliverowalio regarding use of our services, superseding all previous agreements.
Contact Information
For questions about these terms, please contact us: