1. Acceptance of Terms

By accessing and using the kavoelinium website (kavoelinium.com) and our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and kavoelinium, operating from Brisbane City QLD, Australia.

If you do not agree with any part of these terms, you must not use our website or services. Your continued use of our services after any modifications to these terms will constitute acceptance of such changes.

Service Availability

Our financial planning services are available to residents of Australia. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice to existing clients.

2. Use of Services

kavoelinium provides family financial planning services designed to help Australian families manage their financial goals and planning needs. Our services include financial consultation, planning strategies, and educational resources.

Permitted Use

Prohibited Activities

3. Financial Services Disclaimer

kavoelinium provides general financial advice and planning services. Our recommendations are based on the information you provide and our professional assessment of your circumstances. However, we cannot guarantee specific financial outcomes or investment performance.

Professional Standards

Our financial planners adhere to Australian Financial Services licensing requirements and professional standards. We maintain appropriate qualifications and ongoing professional development to serve our clients effectively.

All advice provided is general in nature unless specifically tailored to your personal circumstances through our comprehensive planning process. You should consider your own financial situation and objectives before acting on any recommendations.

4. Privacy and Data Protection

We take your privacy seriously and handle all personal and financial information in accordance with Australian Privacy Principles and relevant data protection legislation.

Information Collection

We collect personal and financial information necessary to provide effective financial planning services. This includes income details, asset information, financial goals, and family circumstances relevant to your planning needs.

Information Use and Sharing

Your information is used solely for providing financial planning services and improving our service delivery. We do not sell or rent personal information to third parties. Information may be shared with authorized service providers who assist in delivering our services, subject to strict confidentiality agreements.

We may be required to disclose information where legally mandated by Australian law or regulatory requirements. You will be notified of such disclosures where legally permissible.

5. Limitation of Liability

To the maximum extent permitted by Australian law, kavoelinium's liability for any claims arising from our services is limited to the amount you have paid for those services in the twelve months preceding the claim.

Service Limitations

We are not liable for any indirect, consequential, or punitive damages arising from your use of our services. This includes, but is not limited to, lost profits, business interruption, or investment losses that may occur despite following our recommendations.

Our liability does not extend to market fluctuations, economic changes, legislative changes, or other external factors beyond our control that may affect your financial circumstances.

Client Responsibilities

You are responsible for providing accurate and complete information for our planning process. Failure to disclose relevant information may impact the effectiveness of our recommendations and limit our liability for any resulting outcomes.

6. Intellectual Property Rights

All content on the kavoelinium website, including text, graphics, logos, planning tools, and educational materials, is owned by kavoelinium or our content licensors and protected by Australian and international copyright laws.

Usage Rights

You may view, download, and print content from our website for personal, non-commercial use only. You may not modify, distribute, transmit, or create derivative works from our content without express written permission.

Any financial plans, reports, or documents we create for you remain your property, but the methodologies, templates, and underlying systems used to create them remain our intellectual property.

7. Termination and Changes

Either party may terminate our service relationship with thirty days written notice. Upon termination, you remain responsible for any outstanding fees, and we will provide reasonable assistance in transitioning your financial planning needs.

Modifications to Terms

We may update these Terms of Use periodically to reflect changes in our services or legal requirements. Significant changes will be communicated through our website and directly to active clients. Continued use of our services after changes constitutes acceptance of revised terms.

Governing Law

These terms are governed by Queensland and Australian law. Any disputes arising from these terms or our services will be resolved through the appropriate Queensland courts or through alternative dispute resolution processes as required by Australian Financial Services regulations.