Terms and Conditions of Service

Acceptance of Terms

By accessing and using virellanoxos's financial planning services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

These terms constitute a legally binding agreement between you and virellanoxos Financial Planning Services

Key Definitions

The following terms have specific meanings when used throughout these conditions

  • Services: Financial planning consultations, guidance, and related advisory services provided by virellanoxos
  • Client: Any individual or entity that engages our financial planning services
  • Agreement: These terms and conditions along with any additional service agreements
  • Personal Information: Any information that identifies or could reasonably identify an individual client

Permitted Use of Services

Our services are designed for legitimate financial planning purposes and must be used responsibly and lawfully.

Authorized Service Uses

  • Obtaining financial planning guidance and consultation services
  • Accessing educational resources and planning tools we provide
  • Communicating with our team about your financial planning needs

Prohibited Activities

The following activities are strictly prohibited when using our services

  • Providing false or misleading information about your financial situation
  • Using our services for illegal activities or fraudulent purposes
  • Attempting to access other clients' confidential information
  • Reproducing or distributing our proprietary planning methodologies without permission
  • Harassing or inappropriate conduct toward our staff members

Client Responsibilities

As a client, you agree to fulfill certain responsibilities to ensure effective service delivery

  • Provide accurate and complete information about your financial circumstances
  • Maintain the confidentiality of any login credentials or account access information
  • Notify us promptly of any changes that might affect our planning recommendations
  • Respect our staff and other clients in all interactions and communications

Intellectual Property Rights

All content, methodologies, tools, and materials provided through our services remain the intellectual property of virellanoxos Financial Planning Services and are protected by Australian and international copyright laws.

Unauthorized reproduction or distribution of our proprietary materials is strictly prohibited

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 an integral part of these terms. Privacy Policy

Service Disclaimers and Warranties

While we strive to provide quality financial planning services, we make no guarantees about specific financial outcomes or results from following our guidance.

Our services are provided on an "as is" basis without express or implied warranties

Limitation of Liability

To the maximum extent permitted by Australian law, virellanoxos's total liability for any claims arising from our services shall not exceed the amount paid by the client for those specific services.

Our liability is limited to the direct costs of the services provided

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently through the following mechanisms

Alternative Dispute Resolution

Most disputes can be resolved through direct communication with our client services team or through mediation services

Binding arbitration may be required for disputes that cannot be resolved through negotiation

European Union Online Dispute Resolution

EU residents may access the European Commission's online dispute resolution platform

Visit the EU ODR platform for additional dispute resolution options

Client Indemnification

Clients agree to indemnify virellanoxos against any claims, damages, or expenses arising from their breach of these terms or misuse of our services.

Service Termination

Either party may terminate the service relationship with appropriate notice as specified in individual service agreements.

Upon termination, certain provisions of these terms will continue to apply, including confidentiality and intellectual property protections

Governing Law

These terms are governed by Australian law and any disputes will be resolved in Australian courts with appropriate jurisdiction.

Terms Modification

We may update these terms periodically to reflect changes in our services or legal requirements.

Continued use of our services after changes are posted constitutes acceptance of the updated terms

Complete Agreement

These terms, together with our Privacy Policy and any individual service agreements, constitute the complete agreement between you and virellanoxos Financial Planning Services.

Terms-Related Questions

For questions about these terms and conditions, please contact us using the information provided on our website

contact@virellanoxos.com

+61 17 527 519

245 Collins Street, Melbourne VIC 3000

These terms became effective on September 1, 2025

Version 2.1