Terms & Conditions
These terms and conditions govern your use of harinovestel's financial planning subscription service. By subscribing to our service, you agree to be bound by these terms.
Acceptance of Terms
By using our financial planning service, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.
Your continued use of our service constitutes ongoing acceptance of any updated terms we may publish from time to time.
Service Description
harinovestel provides subscription-based financial planning consultation services designed to help individuals better understand and manage their personal finances.
- Monthly personalised consultation sessions with qualified planning professionals
- Development of customised financial strategies based on individual circumstances
- Ongoing support and plan adjustments as your situation evolves
User Responsibilities
To ensure effective service delivery, you agree to meet certain responsibilities as a subscriber to our financial planning service.
- Provide accurate and complete information about your financial situation
- Attend scheduled consultation sessions or provide reasonable notice for rescheduling
- Maintain the confidentiality of any login credentials or account access information
- Use the service for personal financial planning purposes only
Prohibited Uses
The following activities are prohibited when using our financial planning service and may result in immediate termination of your subscription.
- Using the service for illegal activities or violating any applicable laws
- Sharing your account access with unauthorised third parties
- Attempting to disrupt or interfere with the service's operation
- Using the service to obtain information for commercial purposes without authorisation
- Providing false or misleading information about your financial situation
Intellectual Property Rights
All content, materials, and intellectual property related to our financial planning service remain the property of harinovestel Financial Services Pty Ltd.
You may not reproduce, distribute, or create derivative works from our proprietary planning methodologies or materials without written permission.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
Privacy Policy
Payment Terms and Billing
Our financial planning subscription operates on a monthly billing cycle with the following payment terms and conditions.
- Monthly subscription fees of $250 AUD are billed in advance on your subscription anniversary date
- All prices include applicable Goods and Services Tax (GST) as required by Australian law
- Payment must be made by credit card or direct debit from an Australian bank account
Termination of Service
Either party may terminate this subscription agreement with appropriate notice, subject to the conditions outlined below.
You may cancel your subscription at any time with 30 days' written notice, with access continuing until the end of your current billing period.
Service Disclaimers
Our financial planning service is provided subject to the following important disclaimers and limitations.
We provide general financial planning guidance rather than specific investment advice as regulated by ASIC
Individual results may vary based on personal circumstances and market conditions beyond our control
We do not guarantee specific financial outcomes or returns from implementing suggested strategies
Limitation of Liability
Our liability for any claims arising from our financial planning service is limited as permitted under Australian Consumer Law.
Total liability is limited to the amount paid for services in the 12 months preceding any claim, subject to applicable consumer protection laws.
Dispute Resolution
We encourage resolution of any disputes through direct communication, but formal dispute resolution mechanisms are available if needed.
Alternative Dispute Resolution
For disputes that cannot be resolved through direct negotiation, we participate in alternative dispute resolution processes available in Australia.
Disputes may be referred to mediation or arbitration through recognised Australian dispute resolution services.
Australian Financial Complaints Authority
For eligible complaints about financial services, the Australian Financial Complaints Authority provides independent dispute resolution.
AFCA provides free dispute resolution services for financial service complaints: Visit AFCA website for more information
Governing Law
These terms and conditions are governed by the laws of New South Wales, Australia, and any disputes will be subject to the jurisdiction of Australian courts.
Changes to Terms
We may update these terms periodically to reflect changes in our service or legal requirements.
Significant changes will be communicated via email or website notice at least 30 days before taking effect.
Entire Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and harinovestel regarding our financial planning service.
Contact Information
If you have questions about our cookie policy or want to exercise your privacy rights, please contact us using the information provided in our main contact section.
Last updated: September 5, 2025
These terms are effective as of September 11, 2025