Terms and Conditions

Introduction and Agreement

These Terms and Conditions govern your use of the Lutharioneqs website and our financial planning consultation services. By accessing our website or using our services, you agree to be bound by these terms

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our website or services

Important Definitions

For clarity and consistency, the following terms have specific meanings throughout this agreement

• "Service" or "Services": Refers to our financial planning consultations, analytical reviews, and related guidance provided through Lutharioneqs
• "User," "You," or "Client": Refers to any individual who accesses our website or uses our services
• "Content": Includes all information, materials, advice, and communications provided through our services
• "Agreement": Refers to these Terms and Conditions along with our Privacy Policy and other applicable policies

Service Eligibility Requirements

Our services are designed for individuals who are at least 18 years old and legally capable of entering into binding agreements. By using our services, you confirm that you meet these eligibility requirements

Your Responsibilities as a Client

To ensure effective service delivery and maintain a professional relationship, clients are expected to fulfill the following responsibilities

• Provide accurate and complete information during consultations and in all communications
• Attend scheduled appointments on time or provide reasonable notice for cancellations
• Respect the professional boundaries and expertise of our consultants
• Use our services only for legitimate financial planning purposes
• Maintain confidentiality of any proprietary methodologies or tools shared during consultations

Prohibited Activities and Uses

To protect our services and other users, the following activities are strictly prohibited

• Using our services for any illegal or unauthorized purposes
• Attempting to gain unauthorized access to our systems or other users' information
• Sharing login credentials or allowing others to use your account
• Disrupting or interfering with our website or services
• Using our content or advice for commercial purposes without explicit permission

Intellectual Property Rights

All content, materials, methodologies, and intellectual property related to our services remain the exclusive property of Lutharioneqs and our licensors

We grant you a limited, non-exclusive, non-transferable license to use our services for your personal financial planning purposes only

You may not reproduce, distribute, modify, or create derivative works from our proprietary content without written permission

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable data protection laws

Please review our Privacy Policy for detailed information about our data practices Privacy Policy

Payment Terms and Conditions

The following terms apply to all payments for our financial planning consultation services

• Subscription fees are billed monthly in advance and must be paid by the specified due date
• All prices are quoted in Australian dollars and include applicable taxes unless otherwise stated
• Payment methods include credit card, debit card, and electronic funds transfer
• Refunds are provided only in accordance with our specific refund policy terms

Termination of Services

Either party may terminate the service relationship under the circumstances outlined below

Service Disclaimers and Limitations

Our services are provided "as is" without warranties of any kind. We make no guarantees about specific financial outcomes or results

Limitation of Liability

Our liability for any claims arising from our services is limited to the amount you paid for services in the 12 months preceding the claim

We are not liable for indirect, incidental, consequential, or punitive damages, including lost profits or business opportunities

Client Indemnification

You agree to indemnify and hold harmless Lutharioneqs from any claims, damages, or expenses arising from your use of our services or violation of these terms

Dispute Resolution Procedures

We encourage open communication to resolve any concerns. If formal dispute resolution becomes necessary, the following procedures apply

Governing Law and Jurisdiction

Any disputes arising from the use of this website or services will be subject to the exclusive jurisdiction of the courts of Australia

Severability of Terms

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

Complete Agreement

These Terms and Conditions, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Lutharioneqs

Modifications to Terms

We reserve the right to update these terms at any time. Significant changes will be communicated through email or website notifications

Continued use of our services after changes take effect constitutes acceptance of the modified terms

Contact Information for Terms

If you have questions about these Terms and Conditions or need clarification on any provisions, please contact us