Terms and Conditions of Service

These terms govern your use of our financial planning consultation services. Please read them carefully before booking or participating in consultation sessions.

Effective Date: September 12, 2025

Acceptance and Agreement

By using our consultation services, booking appointments, or accessing our website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please do not use our services.

Nature of Our Consultation Services

We provide financial planning consultation services designed to help individuals understand their financial circumstances and explore potential approaches to monetary goals. Our services consist of personalised consultation sessions, guidance discussions, and follow-up support as appropriate to individual needs.

Client Responsibilities and Expectations

As a client of our consultation services, you agree to the following responsibilities

• Provide accurate and complete information during consultation sessions to ensure relevant guidance
• Attend scheduled appointments on time or provide reasonable notice for rescheduling needs
• Implement any consultation guidance at your own discretion and risk, understanding that results may vary
• Maintain confidentiality of any proprietary methods or approaches shared during consultation sessions
• Pay consultation fees according to the agreed payment terms and schedule

Prohibited Activities and Misuse

The following activities are strictly prohibited when using our services

• Sharing or redistributing proprietary consultation materials or methods without written permission
• Attempting to record consultation sessions without explicit prior consent from all parties
• Using our services for any illegal activities or purposes that violate Australian financial regulations
• Providing false or misleading information that could affect the quality or relevance of consultation guidance

Intellectual Property and Content Ownership

All consultation materials, methodologies, website content, and proprietary approaches remain the intellectual property of drovanelystor.com. Clients receive a limited license to use consultation guidance for personal financial planning purposes only.

Privacy Policy 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 during consultation services.

Payment Terms and Billing Policies

Payment terms for our consultation services are as follows

Service Termination and Cancellation

Either party may terminate the consultation relationship with 30 days written notice. Upon termination, clients retain access to previously provided consultation guidance but forfeit access to ongoing support services. Outstanding fees remain due regardless of termination circumstances.

Important Service Disclaimers

Our consultation services are provided with the following important disclaimers and limitations.

Limitation of Liability

Our liability for consultation services is limited to the fees paid for services during the 12 months preceding any claim. We are not liable for indirect, consequential, or punitive damages arising from consultation guidance or implementation of suggested approaches.

Client Responsibilities

Clients agree to use consultation guidance responsibly and understand that implementation of financial planning advice carries inherent risks. Personal due diligence is required before making financial decisions based on consultation discussions.

Dispute Resolution and Mediation

We are committed to resolving any disputes fairly and efficiently through multiple mechanisms

Governing Law and Legal Jurisdiction

These terms are governed by Australian law and the laws of Victoria. Any legal proceedings will be conducted in Victorian courts, and all parties consent to the jurisdiction of these courts for dispute resolution.

Modifications to Terms of Service

We reserve the right to modify these terms with 30 days notice to active clients. Continued use of consultation services after modification notice constitutes acceptance of updated terms. Material changes will be communicated via email and website announcements.

Severability Clause

If any portion of these disclaimers is found unenforceable, the remaining provisions shall continue in full effect. This ensures continued protection for both parties in consultation relationships.

Complete Understanding

These disclaimers, together with our terms of service and privacy policy, represent the complete understanding between our service and clients regarding limitations and responsibilities of consultation services.

Questions About Cookie Usage

If you have questions about our cookie policy or data collection practices related to our consultation services, please don't hesitate to reach out for clarification.