Terms and Conditions

Acceptance of Terms

By accessing and using the crystanovael website and services, you agree to be bound by these Terms and Conditions. These terms apply to all users of the website, including browsers, clients, and other users.

If you do not agree with any part of these terms, you must not use our website or services.

Use of Service

Our financial planning subscription service is provided subject to your compliance with these terms. You agree to

• • Use the service only for lawful purposes and in accordance with these terms
• • Provide accurate and complete information during registration and consultations
• • Maintain the confidentiality of your account information and login credentials
• • Notify us immediately of any unauthorised use of your account
• • Respect the intellectual property rights of crystanovael and third parties

User Responsibilities

As a user of our services, you are responsible for

• • Providing honest and complete financial information during consultations
• • Attending scheduled appointments or providing reasonable notice of cancellation
• • Maintaining the security and confidentiality of information shared during sessions
• • Making your own financial decisions based on consultations and additional professional advice
• • Paying subscription fees on time and maintaining current payment information

Prohibited Activities

You may not use our website or services to

• • Engage in any illegal activities or violate applicable laws
• • Transmit harmful, offensive, or inappropriate content
• • Attempt to gain unauthorised access to our systems or other users' accounts
• • Use our services for commercial purposes without written permission
• • Interfere with the proper functioning of our website or services
• • Share or distribute confidential information from consultations with third parties

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of crystanovael or its licensors and is protected by Australian and international copyright laws.

All content, materials, and intellectual property on this website remain the exclusive property of crystanovael. You may not reproduce, distribute, or create derivative works without express written permission.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information. Privacy Policy

Service Disclaimers

Our financial planning services are provided for informational and consultation purposes. Please note the following important disclaimers

• • We do not provide specific investment advice or guarantee any particular outcomes
• • Past performance does not guarantee future results in any financial planning context
• • Individual results may vary based on personal circumstances and market conditions
• • Our consultations should complement, not replace, advice from qualified financial professionals

Limitation of Liability

To the maximum extent permitted by Australian law, crystanovael shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our services.

This includes damages related to financial losses, business interruption, or loss of data, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold crystanovael harmless from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights, except as prohibited by consumer protection laws.

Termination

Either party may terminate the service relationship at any time with 30 days written notice. We reserve the right to suspend or terminate services immediately for violations of these terms.

Upon termination, your access to services will cease, but these terms will remain in effect for previously provided services and any outstanding obligations.

Dispute Resolution

We are committed to resolving any disputes fairly and efficiently through the following process

Governing Law

If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and crystanovael regarding the use of our services, superseding any prior agreements or understandings.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website.

We will provide reasonable notice of significant changes, and continued use of our services after changes constitutes acceptance of the updated terms.

Contact Information

If you have questions about these Terms and Conditions, please contact us