Terms and Conditions

Last Updated:: September 27, 2025

These Terms and Conditions govern your use of meruariyzo's financial planning subscription service. By subscribing to or using our service, you agree to be bound by these terms. Please read them carefully before proceeding.

Acceptance of Terms

By accessing our website, subscribing to our service, or participating in consultations, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our service.

Definitions

For clarity, the following terms have specific meanings in this agreement:

• "Service" refers to meruariyzo's monthly financial planning subscription service, including consultations, communications, and related support
• "Company," "we," "us," or "our" refers to meruariyzo Financial Services Pty Ltd
• "User," "you," or "your" refers to individuals who subscribe to or use our service
• "Content" includes all information, advice, recommendations, and materials provided through our service
• "Agreement" refers to these Terms and Conditions along with our Privacy Policy and other referenced policies

Permitted Use of Service

You may use our service for legitimate financial planning purposes, subject to these conditions:

• You must be at least 18 years old and legally capable of entering into contracts
• Information you provide must be accurate and current to the best of your knowledge
• You may not share your account access with others or use the service on behalf of third parties
• Our guidance is for your personal use and should not be redistributed or used commercially
• You agree to participate in consultations respectfully and professionally

Your Responsibilities

As a user of our service, you are responsible for:

• Providing accurate information about your financial situation and goals
• Making your own financial decisions based on your circumstances and judgment
• Seeking additional professional advice for complex legal, tax, or specialized matters
• Maintaining the confidentiality of your account login information
• Notifying us promptly of any changes to your contact information

Prohibited Activities

The following activities are strictly prohibited when using our service:

• Attempting to access other users' accounts or confidential information
• Using our service for illegal activities or fraudulent purposes
• Recording consultations without explicit written consent
• Reverse engineering, copying, or distributing our proprietary systems or content
• Harassing, threatening, or abusing our staff or other service users
• Attempting to circumvent security measures or access restrictions

Intellectual Property Rights

All content, including website design, consultation materials, proprietary methodologies, and software, remains the intellectual property of meruariyzo Financial Services Pty Ltd. You may not reproduce, distribute, or create derivative works without our written permission.

© 2025 meruariyzo Financial Services Pty Ltd. All rights reserved.

User-Generated Content

Information you share during consultations remains confidential and is used solely for providing our service. However, you grant us permission to use anonymized, aggregated data for service improvement purposes.

By using our service, you grant us a limited license to process your information as described in our Privacy Policy.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms part of this agreement. Please review our Privacy Policy to understand our data practices.

Important Disclaimers

Please understand these important limitations of our service:

Limitation of Liability

To the maximum extent permitted by law, our liability for any damages arising from your use of our service is limited to the amount of subscription fees you have paid in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless meruariyzo Financial Services Pty Ltd from any claims, damages, or expenses arising from your use of our service, breach of these terms, or violation of applicable laws.

Termination of Service

Either party may terminate this agreement under the following circumstances:

Upon termination, your access to consultations will end, but previously provided guidance remains subject to confidentiality obligations.

Dispute Resolution

We prefer to resolve disputes amicably, but formal procedures are available if needed:

Governing Law and Jurisdiction

Any disputes arising from the use of our service will be subject to the exclusive jurisdiction of Australian courts.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect. Invalid provisions will be replaced with enforceable terms that most closely reflect the original intent.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and meruariyzo regarding your use of our service.

Changes to These Terms

We may modify these terms periodically to reflect changes in our service, legal requirements, or business practices. Material changes will be communicated through email or website notices.

Continued use of our service after changes become effective constitutes acceptance of the modified terms.

Contact Information

For questions about these Terms and Conditions, please contact us: