Terms and Conditions
Welcome to crenitholva's Terms and Conditions. These terms govern your use of our website and financial planning consultation services. Please read them carefully before using our services or submitting consultation requests.
Acceptance of Terms
By accessing our website or using our consultation services, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, please do not use our website or services.
Service Description
crenitholva provides financial planning consultation services through monthly subscriptions and individual sessions. Our services involve discussing your financial circumstances, exploring planning concepts, and providing general guidance on financial management approaches.
User Responsibilities
As a user of our website and services, you agree to certain responsibilities and behavioral standards. These ensure a professional environment for all clients and protect our service integrity.
- Provide accurate and complete information during consultation requests and sessions
- Treat our staff and other users with respect and professionalism
- Use our services only for legitimate financial planning purposes
- Maintain confidentiality of any proprietary methodologies or materials shared during consultations
- Comply with all applicable laws and regulations in your use of our services
Prohibited Uses
Certain activities are strictly prohibited when using our website or services. Violation of these restrictions may result in immediate termination of your access and potential legal action.
- Using our services for illegal activities or fraudulent purposes
- Attempting to gain unauthorized access to our systems or other users' information
- Distributing spam, malware, or other harmful content through our platforms
- Misrepresenting your identity or providing false information during consultations
Intellectual Property Rights
All content on our website, including text, graphics, logos, and consultation materials, is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without explicit written permission.
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our separate Privacy Policy, which forms part of these Terms and Conditions. Please review it carefully. Privacy Policy.
Payment Terms and Conditions
Our consultation services require payment according to the terms specified at the time of booking. All fees are clearly disclosed before service delivery.
- Subscription fees are billed monthly in advance and are non-refundable once services commence
- All prices include GST where applicable and are quoted in Australian dollars
- Payment processing fees may apply depending on your chosen payment method
Service Termination
Either party may terminate the consultation relationship with appropriate notice. We reserve the right to terminate services immediately for violation of these terms or inappropriate behavior during consultations.
Disclaimers and Limitations
Our consultation services are provided on an "as is" basis. We make no warranties about specific outcomes or results from following any guidance discussed during sessions.
We disclaim all warranties, express or implied, including merchantability and fitness for particular purposes
User Indemnification
By using our services, you agree to indemnify crenitholva against any claims arising from your use of our consultation services, website, or any decisions made based on information discussed during consultations.
Dispute Resolution Process
We encourage resolving any concerns through direct communication first. For formal disputes, we follow Australian dispute resolution procedures and may use mediation services before pursuing legal action.
Arbitration Procedures
Significant disputes may be resolved through binding arbitration under Australian arbitration rules, with proceedings conducted in Melbourne, Victoria, unless otherwise agreed by both parties.
European Union Online Dispute Resolution
European Union residents can access the Online Dispute Resolution platform for consumer disputes related to online purchases or services.
Governing Law
These Terms and Conditions are governed by Australian law, specifically the laws of New South Wales. Any legal proceedings will be conducted in appropriate Australian courts.
Severability Clause
If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and crenitholva regarding the use of our website and consultation services.
Terms Modifications
We may update these Terms and Conditions periodically. Continued use of our services after changes constitutes acceptance of updated terms. Significant changes will be communicated to active clients.
Cookie Policy Questions
For questions about our cookie practices or to exercise your privacy rights, contact us using the information provided in our main privacy policy or through our website contact form.
Effective Date: August 27, 2025
Last Updated: August 8, 2025