Terms and Conditions
Welcome to Our Terms
These Terms and Conditions govern your use of the bilorinexara website and our financial planning consultation services. By accessing our website or using our services, you agree to be bound by these terms.
Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our website or services.
Definitions
For the purposes of these Terms and Conditions, the following definitions apply:
- "We," "Us," "Our": Refers to bilorinexara, the financial planning consultation service provider
- "You," "Your," "Client": Refers to the individual or entity using our website or services
- "Services": Refers to the financial planning consultations and related services we provide
- "Website": Refers to the bilorinexara.com website and all associated pages and content
Description of Services
We provide financial planning consultation services, including personalized budget analysis, strategic planning discussions, and ongoing financial reviews. Our consultations are designed to help clients make informed financial decisions.
Our services are consultative in nature and do not constitute specific financial product recommendations or investment management services.
Your Responsibilities
As a user of our services, you agree to:
- Provide accurate and complete information during consultations
- Use our services only for lawful purposes and in accordance with these terms
- Maintain the confidentiality of any login credentials or access information
- Notify us promptly of any changes to your contact information
- Make payment for services according to agreed terms and schedules
Prohibited Uses
You may not use our website or services to:
- Violate any applicable laws or regulations
- Transmit harmful, offensive, or inappropriate content
- Attempt to gain unauthorized access to our systems or other users' accounts
- Use our services for any fraudulent or deceptive purposes
Intellectual Property
All content on our website, including text, graphics, logos, and software, is owned by bilorinexara or our licensors and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, or create derivative works from our content without written permission.
Privacy and Data Protection
We are committed to protecting your privacy and personal information. Our data handling practices are governed by our Privacy Policy, which forms an integral part of these terms.
Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal data Privacy Policy
Payment Terms
Our subscription service is billed monthly at $250 AUD per month, inclusive of GST. Payment is due in advance for each billing period.
We accept major credit cards and bank transfers for payment processing
Billing cycles begin on the date of first payment and continue monthly thereafter
Refunds are considered on a case-by-case basis in accordance with Australian Consumer Law
Limitation of Liability
To the maximum extent permitted by law, bilorinexara shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services.
We exclude liability for investment losses, missed opportunities, or decisions made based on our consultations
Our total liability to you for any claims shall not exceed the amount paid for services in the preceding 12 months
Indemnification
You agree to indemnify and hold harmless bilorinexara from any claims, damages, or expenses arising from your use of our services or violation of these terms.
Dispute Resolution
We encourage resolving disputes through direct communication. If formal dispute resolution is necessary, the following procedures apply:
Arbitration
Disputes may be resolved through binding arbitration in accordance with Australian arbitration procedures, where both parties agree to this process.
Arbitration proceedings shall be conducted in Sydney, Australia, under Australian Commercial Arbitration Rules
Online Dispute Resolution
For European Union residents, online dispute resolution may be available through official EU platforms where applicable.
EU residents can access online dispute resolution at the European Commission's ODR platform: https://ec.europa.eu/consumers/odr
Termination
Either party may terminate the service agreement with 30 days' written notice. We reserve the right to terminate immediately for breach of these terms.
Upon termination, access to services will cease, and any outstanding fees become immediately due and payable
Modifications to Terms
We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website with an updated effective date.
We will notify users of significant changes by email or prominent website notice
Governing Law
These terms are interpreted in accordance with Australian Consumer Law and applicable federal regulations
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 other referenced policies, constitute the entire agreement between you and bilorinexara regarding our services.
Contact Information
For questions about these terms or our services, please contact us:
Last updated: September 28, 2025
Version 2.1