Terms and Conditions

For clarity in these terms, the following definitions apply throughout our agreement:

• Consultation Services: Professional financial planning discussions, analytical reviews, and personalized guidance provided through our monthly subscription model
• Client or You: Any individual or entity that subscribes to and uses our financial consultation services
• Platform: Our website, consultation tools, and related systems used to deliver financial planning services
• Subscription: Your monthly membership providing access to consultation services and analytical reviews

Your subscription provides access to professional financial consultation services subject to these usage parameters and responsibilities.

To ensure effective consultation services, you agree to the following responsibilities:

• Provide accurate and complete information about your financial situation during consultations
• Attend scheduled consultation sessions or provide reasonable notice for rescheduling
• Respect the professional nature of our consultation relationship and maintain appropriate communication
• Make timely subscription payments according to your chosen billing schedule
• Understand that consultation services provide guidance and analysis, not guaranteed financial outcomes

The following activities are strictly prohibited when using our consultation services:

• Misrepresenting your financial situation or providing false information during consultations
• Recording or reproducing consultation sessions without explicit written consent
• Sharing your account access with unauthorized individuals or entities
• Using consultation services for illegal activities or purposes that violate Australian law
• Attempting to reverse-engineer or replicate our proprietary consultation methodologies

All consultation methodologies, analytical frameworks, proprietary tools, and related materials remain the exclusive intellectual property of torailyyra and are protected under Australian copyright law.

Your subscription grants you a limited, non-transferable license to access consultation services for personal financial planning purposes only.

You may not reproduce, distribute, modify, or create derivative works from our proprietary consultation materials or methodologies.

We are committed to protecting your personal information and maintaining confidentiality throughout our consultation relationship.

While we strive for excellence in our consultation services, we cannot guarantee specific financial results or outcomes from implementing discussed strategies.

Individual results may vary significantly based on personal circumstances, market conditions, and implementation of consultation guidance.

torailyyra's liability for consultation services is limited to the maximum extent permitted under Australian consumer law.

We shall not be liable for indirect, incidental, or consequential damages arising from consultation services.

Our maximum liability shall not exceed the total amount paid by you for consultation services in the preceding twelve months.

You agree to indemnify torailyyra against claims arising from your use of consultation services or implementation of discussed financial concepts outside our professional guidance.

We are committed to resolving any disputes fairly and efficiently through the following mechanisms:

Either party may terminate the consultation subscription with 30 days written notice. We reserve the right to suspend services for breach of these terms.

Upon termination, your access to consultation services will cease, but these terms will continue to apply to any remaining obligations or disputes.

These terms are governed by Australian law and subject to the jurisdiction of Australian courts, specifically those in Victoria.

We may update these terms periodically to reflect changes in our services or legal requirements.

We will notify you of significant changes through email or prominent website notices at least 30 days before implementation.

If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.

These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and torailyyra regarding consultation services.

If you have questions about these terms or need clarification on any provisions, please contact us using the information below.