Terms and Conditions

Learn more about the terms governing your use of our financial planning subscription service and the rights and responsibilities of all parties.

These terms were last updated on August 21, 2025

By using our service, you agree to be bound by these terms and conditions. Please read them carefully before subscribing.

Important Definitions

The following terms have specific meanings throughout this agreement:

• • Service: Our monthly financial planning subscription service, including consultations, guidance, and related support
• • Subscriber: Any individual who has signed up for and maintains an active subscription to our financial planning service
• • Consultation: Professional discussions about financial planning topics, provided as part of the subscription service
• • Platform: Our website, online systems, and any related digital tools used to deliver the service

Service Usage Guidelines

Your subscription grants you specific rights and includes certain responsibilities:

Eligibility Requirements

You must be at least 18 years old and have legal capacity to enter into this agreement. Residents of Australia are eligible for our full service.

18+ only

Account Registration and Security

You are responsible for maintaining accurate account information and keeping your login credentials secure. Notify us immediately of any unauthorized access to your account.

Subscriber Responsibilities

As a subscriber, you agree to:

• • Provide accurate and complete information during consultations
• • Use the service for legitimate financial planning purposes only
• • Respect the professional nature of consultation sessions
• • Maintain confidentiality of any proprietary planning methodologies shared
• • Notify us of significant changes to your financial situation

Prohibited Activities

The following activities are strictly prohibited:

• • Sharing your account access with unauthorized individuals
• • Recording consultation sessions without explicit permission
• • Using the service for illegal or fraudulent purposes
• • Attempting to reverse-engineer or copy our planning methodologies
• • Harassing or inappropriate behavior toward our team members
• • Using the service to compete with or replicate our business model

Intellectual Property Rights

All content, methodologies, and materials provided through our service remain our intellectual property. You receive a limited license to use this information for your personal financial planning purposes only.

You may not reproduce, distribute, or commercialize any content from our consultations or platform without written permission.

Any feedback or suggestions you provide about our service may be used by us without compensation or attribution.

Subscription and Payment Terms

Understanding your payment obligations:

• • Monthly subscription fee of $250 AUD charged automatically on your billing date
• • All prices include applicable GST and taxes as required by Australian law
• • Payment is due in advance each month; service may be suspended for non-payment
• • You may cancel your subscription at any time, effective at the end of your current billing period

Important Service Disclaimers

Our subscription service provides general financial planning consultations and guidance. We do not provide specific investment advice, recommend particular financial products, or guarantee any financial outcomes.

All financial decisions remain your responsibility. Results may vary based on individual circumstances, market conditions, and personal implementation of planning strategies.

Limitation of Liability

Our total liability for any claims related to this service is limited to the amount you have paid for your subscription in the 12 months preceding the claim.

We are not liable for any indirect, incidental, special, or consequential damages arising from your use of our service or any financial decisions you make.

Past performance does not guarantee future results. All financial planning involves risk, and outcomes may vary significantly.

Indemnification Agreement

You agree to indemnify and hold harmless zenosonoso, its officers, employees, and agents from any claims, damages, or expenses arising from your use of our service or violation of these terms.

Dispute Resolution Process

We are committed to resolving any disputes fairly and efficiently:

Service Termination

Either party may terminate this agreement with 30 days' written notice. You remain responsible for all charges incurred through the termination date.

We may immediately terminate or suspend service for violation of these terms, non-payment, or other material breach of this agreement.

Governing Law and Jurisdiction

These terms are governed by Australian law and subject to the jurisdiction of Australian courts.

Any legal proceedings must be brought in the appropriate courts of Australia, and you consent to their jurisdiction.

Severability of Terms

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

Complete Agreement

These terms constitute the entire agreement between you and zenosonoso regarding your use of our financial planning subscription service, superseding all prior agreements or understandings.

Modifications to Terms

We may modify these terms at any time by posting updated terms on our website. Changes become effective 30 days after posting.

Continued use of our service after changes are posted constitutes acceptance of the modified terms.

Terms and Conditions Contact

For questions about these terms and conditions: