Terms & Conditions

September 13, 2025

Acceptance of Terms

By using our website and subscription service, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

By accessing and using our website and subscription services, you agree to be bound by these terms and conditions.

Definitions

In these terms, the following definitions apply:

  • Service: Our monthly financial planning subscription service including consultations and guidance
  • User/Client: Any individual who accesses our website or subscribes to our services
  • Content: All information, materials, and resources provided through our service
  • Account: Your registered profile and subscription with zypheralvia

Service Description

zypheralvia provides monthly financial planning consultations and guidance through a subscription model. Our service includes personalised consultations, strategic reviews, and ongoing support for your financial planning needs.

Services are provided subject to availability and may be modified or discontinued with appropriate notice.

User Responsibilities

As a user of our services, you agree to:

Your Obligations

  • Provide accurate and complete information for service delivery
  • Maintain the confidentiality of your account credentials
  • Use services only for lawful purposes and in accordance with these terms
  • Pay all applicable fees and charges on time

Prohibited Activities

You must not use our services to:

  • Violate any applicable laws or regulations
  • Share account access with unauthorised parties
  • Attempt to interfere with service security or functionality
  • Upload or transmit malicious code or harmful content
  • Use services for any fraudulent or deceptive purposes

Intellectual Property

All content, materials, and resources provided through our service are protected by Australian and international copyright laws.

We grant you a limited, non-exclusive license to access and use our services for personal, non-commercial purposes only.

All content and materials remain the property of zypheralvia and are protected by copyright law.

Privacy Policy

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

Privacy Policy Privacy Policy

Payment Terms

Subscription fees are charged monthly in advance at AUD $250 per month, inclusive of GST where applicable.

  • Payment Methods: We accept major credit cards and direct debit from Australian bank accounts
  • Billing Cycle: Monthly billing occurs on the same date each month as your initial subscription
  • Refund Policy: Refunds may be provided at our discretion for unused portions of prepaid subscriptions

Limitation of Liability

Liability Disclaimer

Our total liability for any claims arising from our services is limited to the amount paid for services in the preceding 12 months.

In no event shall our liability exceed AUD $3,000 per individual claim.

User Indemnification

Users agree to indemnify zypheralvia against any claims, damages, or expenses arising from misuse of our services or violation of applicable laws and regulations.

Dispute Resolution

We encourage resolution of disputes through direct communication. For formal disputes:

Arbitration Process

Unresolved disputes may be referred to binding arbitration under Australian commercial arbitration rules.

Arbitration will be conducted in Melbourne, Victoria, under the Commercial Arbitration Act.

Alternative Dispute Resolution

For international users, alternative dispute resolution may be available through recognised mediation services.

EU consumers may access the Online Dispute Resolution platform ec.europa.eu/consumers/odr

Termination

Either party may terminate the subscription with 30 days' written notice. We reserve the right to suspend or terminate accounts for breach of these terms.

Upon termination, access to services ceases and any outstanding fees become immediately due.

Governing Law

Commonwealth of Australia and applicable state legislation

Australian courts have exclusive jurisdiction over disputes arising from this disclaimer

Severability

If any provision of these terms is deemed invalid or unenforceable, the remaining provisions continue in full force and effect.

Entire Agreement

These terms constitute the complete agreement between you and zypheralvia regarding use of our services.

Modifications

We may modify these terms periodically to reflect changes in our services or legal requirements.

Material changes will be communicated through our website and email notifications.

Contact Us

For questions about these terms, contact us at contact@zypheralvia.com or +61 373-629-027.

Email: contact@zypheralvia.com

Phone: +61 373-629-027

Address: 45 Collins Street, Melbourne VIC 3000