Terms and Conditions

• Service Financial planning subscription services provided by crystallavo including consultations, guidance, and related support.
• User/Client Any individual who accesses our website or subscribes to our financial planning services.
• Company crystallavo and its affiliates, directors, employees, and authorized representatives.
• Content All text, graphics, images, audio, video, software, data compilations, and other materials on our website.

Your use of our services is subject to the following conditions:

Eligibility Requirements

You must be at least 18 years old and have legal capacity to enter into binding agreements to use our services.

18+ only

As a user of our services, you agree to:

• Provide accurate and complete information during registration and consultations
• Maintain the confidentiality of your account credentials
• Use our services only for lawful purposes and in accordance with these terms
• Notify us promptly of any changes to your personal or financial circumstances

You may not use our services to:

• Violate any applicable laws, regulations, or third-party rights
• Transmit any harmful, threatening, or offensive content
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use our services for any commercial purpose without our written consent
• Interfere with or disrupt the integrity or performance of our services

All content and materials on our website are owned by crystallavo or our licensors and are protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without explicit written permission.

Your privacy is important to us. Our collection and use of personal information is governed by our privacy policy.

Please review our privacy policy for detailed information about how we handle your personal data. Privacy Policy

Subscription fees are charged monthly in advance and include the following terms:

• • All fees are quoted in Australian dollars (AUD) and include GST where applicable
• • Payment is due monthly on your subscription anniversary date via authorized payment method
• • Failed payments may result in service suspension until account is brought current

Our services are provided on an "as is" basis without warranties of any kind, either express or implied.

To the maximum extent permitted by law, our liability is limited as follows:

Our total liability shall not exceed the amount paid by you for services in the 12 months preceding the claim.

You agree to indemnify and hold us harmless from claims arising from your use of our services or violation of these terms.

Dispute Resolution

Disputes will be resolved through binding arbitration in accordance with Australian commercial arbitration rules.

Consumer Protection

Australian consumers may access dispute resolution through the Australian Financial Complaints Authority (AFCA).

Either party may terminate the subscription with 30 days written notice to the other party.

Upon termination, your access to services will cease, but these terms will continue to apply to prior use.

This agreement is governed by the laws of Australia, excluding conflict of law principles.

If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.

These terms constitute the entire agreement between you and crystallavo regarding use of our services.

We reserve the right to modify these terms at any time with notice posted on our website.

Continued use of our services after changes constitutes acceptance of the modified terms.

Questions about these terms should be directed to our customer service team using the contact information provided.