Terms and conditions for subscription services
Please read these terms carefully before using our service. By subscribing, you agree to the following conditions, which apply to all users in Australia.
September 21, 2025
Acceptance of terms
By accessing or using our services, you confirm your agreement to these terms and any additional policies published on the website. Continued use of the service indicates ongoing acceptance.
Definitions
Certain terms are defined to clarify their meaning in this document.
'Service' means the subscription-based financial planning offered by balenarvia.com.
'Subscriber' refers to any individual who has registered and paid for the subscription service.
'Advisor' means the professional providing planning consultations as part of the subscription.
'Content' includes all materials, communications, and documents provided to subscribers.
Service usage and access
The subscription grants access to scheduled consultations, planning services, and related support. Misuse or unauthorised distribution is prohibited.
Eligibility
You must be at least 18 years old and a resident of Australia to use this service.
Proof of age or residency may be required.
User responsibilities
Subscribers have obligations when using the service.
Prohibited uses
Certain actions are not allowed when using our service.
Intellectual property
All content, materials, and communications provided as part of the subscription service remain the property of balenarvia.com and may not be reproduced, distributed, or repurposed without written consent.
User-provided content
You are responsible for any information or materials you submit via forms or communications.
User content rights and responsibilities
By providing content, you grant us permission to use it in connection with service delivery, subject to privacy policies.
Privacy and data protection
Your personal information is handled in accordance with our privacy policy and relevant Australian law. We are committed to safeguarding your data.
Privacy policyDisclaimer and limitations
Please review our disclaimer for important details about the limits of our service.
Important warning
No financial outcomes are guaranteed. Results may vary depending on individual circumstances.
Limitation of liability
We are not liable for any indirect, incidental, or consequential damages arising from service use.
Indemnification
You agree to indemnify and hold us harmless from any claims resulting from your use of the service or breach of terms.
Dispute resolution process
We encourage amicable resolution of any disputes through direct communication.
Arbitration
Disputes not resolved directly may be referred to arbitration in Australia, in accordance with Australian law.
This does not limit your statutory rights as a consumer.
Online dispute resolution
You may also use official online dispute resolution channels for consumer complaints.
Submit a complaint onlineSeverability
If any term is found invalid, the remaining provisions remain effective.
Entire agreement
These terms constitute the entire agreement between you and balenarvia.com for the subscription service.
Applicable law and jurisdiction
These terms are governed by the laws of Australia. All disputes are subject to Australian jurisdiction.
Termination
We reserve the right to terminate accounts for breach of terms or misuse of the service. Users may cancel at any time.
Modifications
Terms may be updated from time to time. Continued use indicates acceptance of changes.
Contact for terms and conditions
If you have questions about these terms, please contact us using the details below.
Email address: content@balenarvia.com
Phone number: +61212397207
Office address: 66 Clarence Street, Sydney, NSW 2000 Australia
Effective date: September 21, 2025
Version: 3