Terms and Conditions of Service
These terms govern your use of virelusanthos financial planning consultation services and website. Please read carefully before using our services.
September 5, 2025
Acceptance of Terms
By accessing our website or using our consultation services, you agree to be bound by these terms and conditions.
Your continued use of our services constitutes acceptance of any updates or modifications to these terms.
Service Definitions
For clarity, these terms have the following meanings throughout this agreement:
- • Service refers to our financial planning consultations, website access, and related communications
- • User refers to any individual accessing our website or consultation services
- • Content includes all information, advice, and materials provided during consultations and on our website
- • Account refers to your subscription and consultation scheduling access
Service Description and Availability
We provide monthly financial planning consultation services through scheduled appointments, online communications, and educational resources.
Services are provided during business hours and may be subject to scheduling availability and technical limitations.
User Eligibility Requirements
Our consultation services are available to individuals who meet the following criteria:
18+ only
User Responsibilities and Obligations
As a user of our consultation services, you agree to:
- • Provide accurate and complete information during consultations
- • Respect scheduled appointment times and provide reasonable notice for changes
- • Maintain confidentiality of your account access and consultation details
- • Use our services only for legitimate financial planning purposes
- • Comply with all applicable laws and regulations
Prohibited Activities
You may not use our services for the following purposes:
- ✕ Any illegal activities or violation of applicable laws
- ✕ Sharing confidential consultation content with unauthorized parties
- ✕ Attempting to disrupt or interfere with our service operations
- ✕ Using our services for commercial purposes without authorization
- ✕ Providing false or misleading information during consultations
Intellectual Property Rights
All content, materials, and consultation methodologies are owned by virelusanthos and protected under Australian intellectual property laws.
Unauthorized reproduction or distribution of our content is strictly prohibited.
Privacy and Data Protection
Your privacy is important to us. Please review our separate Privacy Policy for detailed information about how we collect, use, and protect your personal information.
Subscription and Payment Terms
Consultation services are provided through monthly subscription plans with the following terms:
- • Subscription fees are billed monthly in advance at $250 AUD including GST
- • Payment is required to maintain active consultation scheduling access
- • Cancellation requires 30 days notice and no refunds are provided for partial months
Service Disclaimers
Our consultation services are provided for informational and planning discussion purposes only and do not constitute specific financial advice for your individual circumstances.
Warranty Limitations
We provide consultation services on an "as is" basis without warranties regarding specific outcomes or results from implementing discussed strategies.
Liability Limitations
Our liability for consultation services is limited to the amount paid for services in the preceding 12 months.
In no event shall our total liability exceed the subscription fees paid by you in the 12 months prior to the claim.
User Indemnification
By using our services, you agree to indemnify and hold harmless virelusanthos and its consultants from any claims arising from your use of consultation services or implementation of discussed strategies.
Dispute Resolution
We are committed to resolving disputes through established Australian mechanisms.
Alternative Dispute Resolution
Disputes may be resolved through mediation or arbitration under Australian commercial dispute resolution procedures.
Any arbitration will be conducted under the rules of Resolution Institute Australia.
Financial Services Complaints
For consultation service complaints, you may contact the Australian Financial Complaints Authority.
AFCA provides free dispute resolution services for financial service complaints.
Service Termination
Either party may terminate the consultation service relationship with 30 days written notice.
Upon termination, your access to consultation scheduling will cease at the end of the current billing period.
Governing Law and Jurisdiction
This disclaimer is governed by the laws of Australia and applicable state regulations.
Severability of Terms
If any provision of this disclaimer is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.
Complete Agreement
These terms constitute the complete agreement between you and virelusanthos regarding consultation services.
Updates to Disclaimer
We reserve the right to update this disclaimer at any time. Changes will be posted on our website with the updated date.
We may modify these terms with reasonable notice posted on our website.
Cookie Policy Questions
Questions about these terms should be directed to our customer service team using the contact information provided on our website.
Email: contact@virelusanthos.com
Phone: +61 141-623-091
Address: 125 Collins Street, Melbourne VIC 3000
By using our consultation services, you acknowledge that you have read, understood, and agree to these terms and conditions.