Terms and Conditions
These terms and conditions govern your use of myranovelitho's financial planning consultation services. Please read them carefully before engaging our services.
Last updated: September 23, 2025
Acceptance of Terms
By using our consultation services, you agree to be bound by these terms and conditions, which form a legally binding agreement between you and myranovelitho.
If you do not agree with any part of these terms, please do not use our services or website.
Description of Services
myranovelitho provides financial planning consultation services designed to help clients understand money management principles, develop budgeting strategies, and create long-term financial plans.
Our consultations are informational and educational in nature, focusing on general financial planning concepts and personalized guidance based on your circumstances.
Your Responsibilities
As a client, you agree to:
- Provide accurate and complete information during consultations
- Use our services only for lawful purposes related to personal financial planning
- Respect the intellectual property rights of myranovelitho and our materials
- Maintain the confidentiality of any proprietary methodologies shared during consultations
- Notify us promptly of any changes in your contact information or circumstances
Prohibited Activities
You may not use our services to:
- Engage in any illegal or fraudulent activities
- Reproduce, distribute, or commercially exploit our proprietary materials without permission
- Attempt to gain unauthorized access to our systems or other clients' information
- Use our services for purposes other than personal financial planning
- Provide false information or misrepresent your identity or circumstances
Intellectual Property Rights
All content, materials, methodologies, and resources provided during consultations remain the intellectual property of myranovelitho.
You may use information from consultations for your personal financial planning purposes only.
Commercial use, reproduction, or distribution of our materials requires written permission from myranovelitho management.
Privacy and Data Protection
Your personal information is handled in accordance with our Privacy Policy, which forms part of these terms.
Please review our complete Privacy Policy for detailed information about data collection, use, and protection practices. Privacy Policy
Payment and Subscription Terms
Our consultation services are provided on a subscription basis at $250 per month, payable in advance.
All prices include applicable GST and are charged monthly via your chosen payment method.
Subscription fees are non-refundable once consultation services have been initiated for that billing period.
Cancellation and Refund Policy
You may cancel your subscription at any time by providing written notice to myranovelitho before your next billing cycle.
Cancellations take effect at the end of your current billing period, and no refunds are provided for unused portions of paid consultation time.
Limitation of Liability
To the maximum extent permitted by Australian law, myranovelitho's liability is limited to the amount paid for consultation services in the 12 months preceding any claim.
We exclude liability for indirect, consequential, or punitive damages arising from your use of our consultation services.
Nothing in these terms excludes liability that cannot be excluded under Australian Consumer Law or other applicable regulations.
Client Indemnification
You agree to indemnify myranovelitho against claims arising from your breach of these terms or misuse of our consultation services.
Dispute Resolution Process
Dispute Resolution
Any disputes arising from these terms or our services will first be addressed through good faith negotiation between the parties.
If direct resolution is not possible, disputes may be subject to mediation or arbitration under Australian commercial dispute resolution procedures.
Alternative Dispute Resolution
For eligible disputes, alternative resolution options may be available through consumer protection agencies or industry ombudsman services.
Learn about dispute resolution options: https://webgate.ec.europa.eu/odr/
Governing Law
These terms are governed by the laws of Australia and the state/territory where myranovelitho operates.
Any legal proceedings must be brought in the appropriate Australian courts with jurisdiction over our business location.
Severability
If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.
Complete Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and myranovelitho regarding our consultation services.
Disclaimer Updates
myranovelitho reserves the right to modify these terms at any time to reflect changes in our services or legal requirements.
Material changes will be communicated through email or website notices, and continued use of our services indicates acceptance of modified terms.
Questions About Our Cookie Policy
Questions about these terms and conditions should be directed to: