Terms and Conditions

Agreement to Terms

These Terms and Conditions ("Terms") govern your use of forainosium's financial planning subscription services and website located at forainosium.com ("Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, you may not access the Service.

Definitions

For the purposes of these Terms, the following definitions apply:

• • "Service" refers to the financial planning subscription services provided by forainosium through our website and consultations
• • "User" or "Client" refers to any individual who accesses or uses our Service
• • "Content" refers to all information, documents, advice, and materials provided through our Service
• • "Account" refers to your subscription account created to access our financial planning services

Use of Service

Your use of our Service is subject to the following terms and conditions:

Eligibility

You must be at least 18 years old and legally capable of entering into contracts to use our Service. Our services are available to residents of Australia only.

Account Registration

To access our Service, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials.

User Responsibilities

As a user of our Service, you agree to:

• • Provide accurate, current, and complete information during registration and consultation processes
• • Maintain the security of your account login credentials and notify us immediately of any unauthorized access
• • Use the Service only for lawful purposes and in accordance with these Terms
• • Respect the intellectual property rights of forainosium and third parties
• • Comply with all applicable laws and regulations when using our Service

Prohibited Uses

You may not use our Service to:

• • Violate any applicable local, state, national, or international law or regulation
• • Transmit or procure the sending of any advertising or promotional material without our prior written consent
• • Impersonate or attempt to impersonate forainosium, our employees, another user, or any other person or entity
• • Engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service
• • Use the Service in any manner that could disable, overburden, damage, or impair the Service
• • Use any robot, spider, or other automatic device to access the Service for any purpose without our express written permission

Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of forainosium and its licensors. The Service is protected by copyright, trademark, and other laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without prior written consent.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection and use of your personal information. Privacy Policy

Disclaimers and Limitations

The Service is provided on an "as is" and "as available" basis. forainosium expressly disclaims all warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the Service will be error-free, secure, or continuously available. Your use of the Service is at your own risk.

Limitation of Liability

In no event shall forainosium, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Our total liability to you for all damages shall not exceed the amount paid by you for the Service in the 12 months preceding the claim.

Indemnification

You agree to defend, indemnify, and hold harmless forainosium and its affiliates from any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service or violation of these Terms.

Dispute Resolution

Any disputes arising from these Terms or your use of the Service will be resolved through the following process:

Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, if you breach these Terms.

Upon termination, your right to use the Service will cease immediately, though certain provisions of these Terms will survive termination.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Australia, without regard to conflict of law provisions.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms constitute the sole and entire agreement between you and forainosium regarding the Service and supersede all prior understandings and agreements.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion.

If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

Contact Information

If you have any questions about these Terms and Conditions, please contact us using the information provided in our contact section.