Terms and Conditions
Terms and Conditions of Service
These Terms and Conditions govern your use of quendavos Financial Planning services and website. By accessing our services, you agree to be bound by these terms and our Privacy Policy.
Please read these terms carefully before using our services, as they constitute a legally binding agreement between you and quendavos Financial Planning Pty Ltd.
Definitions and Interpretation
In these Terms and Conditions, the following definitions apply:
- "We," "us," or "our" refers to quendavos Financial Planning Pty Ltd
- "You" or "your" refers to the individual or entity using our services
- "Services" refers to our financial planning consultation and related services
- "Website" refers to quendavos.com and all associated web properties
Use of Our Services
Your use of our services is subject to the following terms:
Permitted Uses
- Accessing information and resources for personal financial planning purposes
- Participating in consultations and using planning tools as intended
- Communicating with our team about your financial planning needs
Prohibited Uses
- Using our services for any unlawful purpose or in violation of any regulations
- Attempting to gain unauthorized access to our systems or other users' information
- Reproducing, distributing, or creating derivative works from our proprietary content
- Using our services to compete with our business or reverse-engineer our methodologies
Your Responsibilities
As a user of our services, you are responsible for:
- Providing accurate and complete information for planning purposes
- Maintaining the confidentiality of your account information
- Notifying us promptly of any changes to your circumstances
- Using our advice and recommendations in accordance with your own judgment
Intellectual Property Rights
All content, trademarks, and intellectual property on our website and in our services are owned by quendavos Financial Planning Pty Ltd or licensed for our use. You may not use, reproduce, or distribute our proprietary materials without written permission.
This includes but is not limited to planning methodologies, assessment tools, and educational materials.
Privacy and Data Protection
Your privacy is important to us, and we are committed to protecting your personal information in accordance with Australian privacy laws.
For detailed information about how we collect, use, and protect your data, please refer to our Privacy Policy. Privacy Policy.
Payment Terms and Conditions
The following terms apply to all payments for our services:
- Subscription fees are payable monthly in advance via automatic payment
- All prices include GST and are quoted in Australian dollars
- Payment methods include major credit cards and direct debit from Australian bank accounts
Limitation of Liability
To the maximum extent permitted by law, quendavos Financial Planning Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Our total liability to you for any claims shall not exceed the amount you paid for services in the 12 months preceding the claim.
User Indemnification
You agree to indemnify and hold harmless quendavos Financial Planning Pty Ltd from any claims, damages, or expenses arising from your use of our services, your violation of these terms, or your violation of any rights of another party.
Dispute Resolution Process
We are committed to resolving any disputes fairly and efficiently:
Internal Resolution
We encourage direct communication to resolve any concerns and have internal processes for handling complaints and disputes.
External Dispute Resolution
If internal resolution is unsuccessful, disputes may be referred to appropriate external dispute resolution services.
Legal Jurisdiction
These terms are governed by Australian law, and any legal proceedings shall be conducted in Australian courts.
Termination of Services
Either party may terminate the service agreement with 30 days written notice. We reserve the right to suspend or terminate services immediately for breach of these terms.
Upon termination, your access to services will cease, and any outstanding fees will become immediately payable.
Modifications to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website.
We will notify active subscribers of material changes via email or through our service platform.
Severability Clause
If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and quendavos Financial Planning Pty Ltd regarding the use of our services.
Contact Information for Terms
If you have questions about these Terms and Conditions, please contact us:
quendavos
Level 15, 680 George Street, Sydney NSW 2000, Australia
Effective Date: September 22, 2025
Version 2.1