Terms and Conditions of Service

Introduction and Service Agreement

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

Your use of our consultation services constitutes acceptance of these terms and our Privacy Policy.

Last Updated: July 31, 2025

Definitions and Key Terms

The following terms have specific meanings throughout this agreement:

• Services: Financial planning consultation services, analytical reviews, and related advisory discussions provided by Lythovanquiro
• Client: Any individual or entity that engages our consultation services or uses our website
• Consultation: Professional discussions and analytical reviews regarding financial planning matters
• Information: Any data, documents, or communications shared during the consultation process

Acceptance of Terms

By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.

These terms become effective upon your first consultation booking or website usage, whichever occurs first.

Description of Services

We provide professional financial planning consultation services including analytical reviews, strategic discussions, and guidance on financial planning matters.

Our services are consultative in nature and focus on analytical reviews and educational discussions rather than specific financial advice.

Client Responsibilities

As a client, you agree to the following responsibilities:

• Provide accurate and complete information during consultations
• Use consultation insights responsibly and seek independent advice when appropriate
• Respect intellectual property rights and confidentiality obligations
• Pay fees according to the agreed payment schedule
• Notify us promptly of any changes affecting your consultation needs

Prohibited Uses and Activities

The following activities are strictly prohibited:

• Using services for illegal activities or violating any applicable laws
• Sharing login credentials or allowing unauthorized access to services
• Reproducing or distributing proprietary consultation methodologies
• Making false or misleading statements about our services
• Attempting to reverse-engineer or copy our analytical frameworks

Intellectual Property Rights

All consultation methodologies, analytical frameworks, and proprietary content remain the intellectual property of Lythovanquiro.

Clients may not reproduce, distribute, or commercialize any proprietary content without written permission.

We grant you a limited, non-transferable license to use consultation insights for your personal financial planning purposes only.

Privacy and Data Protection

Your privacy is important to us. Our data collection and processing practices are detailed in our Privacy Policy.

Privacy Policy: View Privacy Policy

Payment Terms and Conditions

Payment terms for consultation services are as follows:

• Monthly subscription fees are charged in advance and include VAT where applicable
• Payments are processed securely through authorized payment platforms
• Cancellation requires 30 days written notice to avoid next billing cycle

Important Service Disclaimers

Please review these important disclaimers regarding our consultation services:

Limitation of Liability

Our liability for consultation services is limited to the maximum extent permitted by Australian law.

We exclude liability for indirect, consequential, or special damages arising from consultation services.

Our maximum liability shall not exceed the total fees paid in the preceding twelve months.

Client Indemnification

Clients agree to indemnify Lythovanquiro against claims arising from their use of consultation services or breach of these terms.

Dispute Resolution Procedures

We are committed to resolving disputes fairly and efficiently:

Service Termination

Either party may terminate the consultation relationship with appropriate notice as specified in your service agreement.

Upon termination, access to ongoing services will cease, though completed consultation records will be retained according to our data retention policies.

Governing Law

These terms are governed by the laws of Australia and the jurisdiction where our services are provided.

Australian courts have exclusive jurisdiction over disputes arising from these terms and consultation services.

Severability of Provisions

If any provision is found unenforceable, the remaining terms continue in full effect.

Entire Agreement

These terms, together with our Privacy Policy and service agreements, constitute the complete agreement between parties.

Modifications to Terms

We may modify these terms to reflect changes in services, legal requirements, or business practices.

Significant changes will be communicated through website notifications or direct communication with adequate notice.

Contact Information

For questions about these terms or our services, contact us at contact@lythovanquiro.com or +61-001-242-496.