Terms and Conditions

These Terms and Conditions govern your use of Nyxorivthivelle.com and the financial planning services we provide. By accessing our website or using our services, you agree to be bound by these terms. Service Description: Nyxorivthivelle.com provides financial planning consultations and advisory services to individuals and families. Our services include financial analysis, goal setting, investment guidance, and personalised financial planning. We are not licensed financial advisors and our services are educational in nature. Client Responsibilities: Provide accurate and complete financial information; Implement recommendations at your own discretion and risk; Seek licensed professional advice before making significant financial decisions; Maintain confidentiality of your financial plan and any proprietary methodologies shared. Payment Terms: Consultation fees range from $200 to $1000 depending on the complexity of services required. Payment is due upon completion of the financial plan delivery. We accept credit cards, bank transfers, and other approved payment methods. Refunds may be provided at our discretion within 7 days of service completion. Limitations of Service: Our advice is general in nature and may not be suitable for your specific circumstances; We do not guarantee specific financial outcomes or investment returns; We are not responsible for losses resulting from following our recommendations; You should seek independent licensed financial advice before making investment decisions. Intellectual Property: All content, methodologies, and materials provided by Nyxorivthivelle.com are our intellectual property. You may use the financial plan for personal purposes only and may not reproduce or distribute our proprietary content without written consent. Liability Limitations: To the maximum extent permitted by law, Nyxorivthivelle.com's liability is limited to the amount paid for services. We exclude liability for indirect, consequential, or punitive damages. Australian Consumer Law provides certain consumer guarantees that cannot be excluded. Privacy and Confidentiality: We maintain strict confidentiality of your financial information in accordance with our Privacy Policy. Information may only be shared with your consent or as required by law. Governing Law: These terms are governed by Australian law and any disputes will be resolved in Australian courts. If any provision is found unenforceable, the remaining terms continue in effect. Contact: For questions about these terms, contact us at hello@Nyxorivthivelle.com. These terms are effective from June 17, 2025, and may be updated with reasonable notice.