Terms and Conditions of Service

These terms govern your use of faylenthruvo website and services. By accessing our website or engaging our financial planning services, you agree to these terms.

These terms were last updated and reviewed September 23, 2025

Acceptance of Terms

By accessing faylenthruvo website, scheduling consultations, or engaging our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you disagree with any part of these terms, you must discontinue use of our website and services immediately. These terms constitute a legally binding agreement between you and faylenthruvo.

Definitions

For purposes of these terms, the following definitions apply:

• Services refers to all financial planning consultations, analytical reviews, recommendations, and related advisory activities provided by faylenthruvo to clients through direct interactions or website access.
• Website means the faylenthruvo online presence including all pages, content, features, and functionality accessible through faylenthruvo.com and associated domains.
• Client or You refers to individuals or entities that access our website, request consultations, or engage our financial planning services.
• We, Us, or faylenthruvo refers to the financial planning practice operating under faylenthruvo name.

Use of Services

faylenthruvo services are intended for individuals seeking financial planning guidance. You agree to use services for lawful purposes only and in manner consistent with these terms. Services are provided based on information you disclose, and accuracy of recommendations depends on completeness and accuracy of information provided.

Eligibility

Services are available to individuals aged eighteen years or older with legal capacity to enter binding agreements. By using services, you represent and warrant that you meet these eligibility requirements and have authority to bind yourself to these terms.

Services are primarily designed for Australian residents and comply with Australian regulations.

User Responsibilities and Obligations

When using faylenthruvo services or website, you agree to:

• Provide accurate, complete, and truthful information during consultations and communications to enable effective service delivery
• Maintain confidentiality of any account credentials and notify us immediately of unauthorized access or security breaches
• Comply with all applicable laws and regulations when using services or website
• Respect intellectual property rights and refrain from unauthorized copying, distribution, or commercial use of content

Prohibited Uses

You may not use faylenthruvo website or services to:

• Engage in fraudulent activity, misrepresent identity, or provide false information during service engagement
• Transmit viruses, malware, or malicious code that could harm website functionality or compromise security
• Attempt unauthorized access to systems, accounts, or data through hacking, scraping, or other technical means
• Harass, abuse, or harm faylenthruvo team members, other users, or third parties through communications
• Use services or website in manner that violates applicable laws, regulations, or third-party rights

Intellectual Property Rights

All content, materials, trademarks, and intellectual property on faylenthruvo website remain the exclusive property of faylenthruvo or licensed content providers. This includes text, graphics, logos, images, methodology descriptions, and software. You may not reproduce, distribute, modify, or create derivative works without express written permission.

User-Provided Content

Information and content you provide during consultations or through website communications remain your property. However, you grant faylenthruvo license to use this information for purposes of delivering services, maintaining records, and fulfilling professional obligations.

Privacy and Data Protection

Your privacy is important to faylenthruvo. Collection, use, and protection of personal information is governed by our Privacy Policy, which forms part of these terms. By using services, you consent to information handling practices described in Privacy Policy. We comply with Australian Privacy Principles and applicable data protection regulations. Privacy Policy

Service Disclaimers and Limitations

Important disclaimers regarding faylenthruvo services:

Limitation of Liability

To maximum extent permitted by Australian law, faylenthruvo shall not be liable for indirect, incidental, consequential, or punitive damages arising from service use. This includes financial losses, missed opportunities, or adverse outcomes from decisions made based on consultations or recommendations.

Indemnification

You agree to indemnify, defend, and hold harmless faylenthruvo and its team members from claims, damages, losses, liabilities, and expenses arising from your use of services, violation of these terms, or decisions made based on consultations.

Dispute Resolution Process

If disputes arise regarding services or these terms:

Governing Law and Jurisdiction

These terms are governed by laws of Australia. Disputes shall be subject to exclusive jurisdiction of Australian courts. If you access services from outside Australia, you do so at your own initiative and are responsible for compliance with local laws.

Termination

Either party may terminate service relationship at any time with appropriate notice. faylenthruvo reserves right to terminate access to website or services immediately for violation of these terms. Upon termination, certain provisions survive including intellectual property rights, limitation of liability, and indemnification obligations.

Modifications

faylenthruvo reserves right to modify these terms at any time. Changes become effective immediately upon posting updated terms on website. Material changes will be communicated through website notice or email to active clients. Continued use after modifications constitutes acceptance.

Severability

If any provision of these terms is found invalid or unenforceable, such provision shall be modified to reflect parties' intention or eliminated to minimum extent necessary. Remaining provisions continue in full force and effect.

Entire Agreement

These terms, together with Privacy Policy and other referenced policies, constitute entire agreement between you and faylenthruvo regarding service use. They supersede all prior agreements, understandings, or communications.

Contact Information for Terms

For questions or concerns regarding these terms and conditions, please contact faylenthruvo: