Terms and Conditions
Terms of Service
These Terms and Conditions govern your use of lytheraqinos's financial planning consultation services and website. By using our services, you agree to be bound by these terms.
Please read these terms carefully before using our services. Your continued use constitutes acceptance of these terms.
This Privacy Policy was last updated on August 19, 2025: August 11, 2025
Definitions
- Service: Refers to the financial planning consultation services provided by lytheraqinos, including monthly consultations and analytical reviews
- User/Client: Any individual who subscribes to or uses our financial planning consultation services
- Content: All information, advice, analysis, and materials provided through our service, including consultation sessions and written communications
- Agreement: These Terms and Conditions, together with our Privacy Policy and any additional terms for specific services
Use of Our Service
By using our service, you agree to the following conditions
Eligibility
You must be at least 18 years old and legally capable of entering into binding agreements to use our services
Account Responsibility
You are responsible for maintaining the confidentiality of your account information and for all activities under your account
Accurate Information
You agree to provide accurate and complete information during consultations and to notify us of any changes to your circumstances
Security
You must immediately notify us of any unauthorized use of your account or any other breach of security
Prohibited Uses
You may not use our service for any of the following
- Any unlawful purpose or in violation of any applicable laws or regulations
- Transmitting harmful, threatening, abusive, or defamatory content
- Attempting to gain unauthorized access to our systems or other users' accounts
- Using our service to compete with our business or for commercial purposes without authorization
- Sharing consultation content with unauthorized third parties without consent
Intellectual Property
All content, materials, and intellectual property provided through our service remain the property of lytheraqinos
You may not reproduce, distribute, modify, or create derivative works from our content without express written permission
We grant you a limited, non-exclusive license to use our content solely for your personal financial planning purposes
User-Generated Content
You retain ownership of any information or content you provide during consultations
By sharing information with us, you grant us a license to use this information to provide our services
You are responsible for ensuring that any information you provide is accurate and does not violate third-party rights
Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use your information
By using our services, you consent to the collection and use of your information as described in our Privacy Policy Privacy Policy.
Payment Terms
The following terms apply to all payments for our services
Pricing
Monthly subscription fee is $250 AUD, billed monthly in advance. Prices are inclusive of GST where applicable
Billing
Subscription fees are automatically charged to your chosen payment method on the same date each month
Refunds
Subscription fees are non-refundable. You may cancel your subscription at any time, with cancellation taking effect at the end of your current billing period
Service Disclaimers
Our services are provided "as is" and "as available" without warranties of any kind, express or implied
We disclaim all warranties including but not limited to merchantability, fitness for a particular purpose, and non-infringement
To the maximum extent permitted by law, we exclude all representations, warranties, and conditions relating to our services
Limitation of Liability
Our total liability to you for any claims arising from our services shall not exceed the amount you paid us in the 12 months preceding the claim
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages
This limitation applies regardless of the legal theory on which the claim is based
User Indemnification
You agree to indemnify lytheraqinos against any claims arising from your use of our services or violation of these terms
Termination
Either party may terminate the service agreement at any time. We may suspend or terminate your access for the following reasons
- Violation of these Terms and Conditions
- Non-payment of subscription fees
- Fraudulent or abusive behavior
Upon termination, your right to use our services ceases immediately, though certain provisions of these terms shall survive termination
Dispute Resolution
Arbitration Agreement
Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with Australian arbitration rules
Arbitration shall be conducted by a single arbitrator and held in Melbourne, Australia
European Union Online Dispute Resolution
European Union users may access the Online Dispute Resolution platform for resolving disputes
The platform is available at: ec.europa.eu/consumers/odr
Governing Law
Australian consumer protection laws may provide additional rights that cannot be excluded by this disclaimer.
This disclaimer is governed by the laws of Australia, and any disputes will be subject to the exclusive jurisdiction of Australian courts.
Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on our website with an updated effective date
We will notify users of material changes through email or website notices
Your continued use of our services after changes constitutes acceptance of the modified terms
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and lytheraqinos regarding our services
Contact Us About Cookies
For questions about these Terms and Conditions, please contact us using the information provided in our contact section.
Email Address: contact@lytheraqinos.com
Phone Number: +61 95 695 072
Address: Level 12, 120 Collins Street, Melbourne VIC 3000