Terms and Conditions of Service

These Terms and Conditions govern your use of praenostilo's website and consultation services. By accessing our website or engaging our services, you agree to be bound by these terms.

Acceptance of Terms

By using our website, requesting consultations, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and all applicable laws and regulations.

Definitions

For the purposes of these Terms and Conditions:

• "Services" refers to financial planning consultations, analytical reviews, and related advisory discussions provided by praenostilo
• "User" or "Client" refers to any individual who accesses our website or engages our consultation services
• "Content" includes all text, graphics, images, information, and materials available on our website
• "Company," "we," "us," or "praenostilo" refers to praenostilo Financial Planning Services Pty Ltd

Description of Services

praenostilo provides financial planning consultations, analytical reviews, and general money management discussions. Our services focus on consultation and guidance rather than direct financial product sales or fund management. Individual results may vary based on personal circumstances.

User Eligibility and Requirements

To use our services, you must meet the following requirements:

• Be at least 18 years of age and legally capable of entering contracts
• Have the legal capacity to make financial decisions in your jurisdiction
• Agree to provide accurate information and comply with these terms

User Responsibilities and Obligations

As a user of our services, you agree to:

• Provide accurate, complete, and current information during consultations
• Maintain the confidentiality of any login credentials or sensitive information
• Use our services only for lawful purposes and in accordance with these terms
• Refrain from misusing our website or attempting to disrupt its functionality
• Comply with all applicable laws and regulations in your jurisdiction

Prohibited Uses and Activities

You may not use our website or services for:

• Any illegal activities or violation of local, national, or international laws
• Transmitting harmful, threatening, abusive, or defamatory content
• Sending spam, unsolicited communications, or commercial advertisements
• Interfering with website security, functionality, or other users' access
• Impersonating praenostilo staff, other users, or misrepresenting your identity

Intellectual Property Rights

All website content, including text, graphics, logos, and proprietary information, is owned by praenostilo and protected by Australian and international copyright laws. You may not reproduce, distribute, or create derivative works without express written permission.

Privacy Policy and Data Protection Information

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information in accordance with Australian privacy laws. Privacy Policy

Payment Terms and Conditions

The following terms apply to all payments for our consultation services:

• Our standard consultation fee is $250 per month for ongoing planning services, including GST where applicable
• We accept major credit cards, bank transfers, and other secure payment methods as specified during booking
• Payment terms are discussed during initial consultation; refund policies apply as outlined in our service agreements
• All prices include applicable Australian taxes (GST) unless otherwise specified

Limitation of Liability

To the maximum extent permitted by Australian law, praenostilo's total liability for any claims arising from our services shall not exceed the amount paid for the specific consultation in question. We are not liable for indirect, consequential, or punitive damages.

Service Disclaimers

Our consultation services are provided for informational and planning purposes. We do not guarantee specific financial outcomes, and individual results may vary based on personal circumstances, market conditions, and implementation of suggestions.

Indemnification Agreement

You agree to indemnify and hold harmless praenostilo, its employees, and representatives from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Termination of Services

Either party may terminate the service relationship under the following conditions:

• You may discontinue services at any time by providing reasonable notice
• We may terminate services for breach of these terms, non-payment, or other reasonable business reasons
• Upon termination, your access to ongoing services will cease, though completed consultations remain subject to confidentiality obligations

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently:

Australian Dispute Resolution

Disputes will be resolved through Australian courts or alternative dispute resolution mechanisms as appropriate under Australian law and consumer protection regulations.

International Clients

For clients outside Australia, we respect international consumer protection standards and will work to resolve disputes fairly.

Governing Law and Jurisdiction

These Terms and Conditions are governed by Australian law, specifically the laws of Victoria, Australia. Any disputes will be subject to the jurisdiction of Australian courts while respecting applicable consumer protection laws.

Severability of Terms

If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. Invalid provisions will be modified to the minimum extent necessary to make them enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and praenostilo regarding the use of our services and supersede all prior agreements or understandings.

Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes constitutes acceptance of the modified terms.

Contact Information for Terms

If you have questions about these Terms and Conditions or need clarification about any provisions, please contact us using the information provided on our contact page.

Last Updated: September 1, 2025