Terms and Conditions for ioluxisova.com Services

These terms outline your rights and obligations when using our subscription-based financial planning services. Please review them before subscribing.

September 26, 2025

Acceptance of Terms

By using ioluxisova.com and subscribing to our financial planning service, you agree to these terms and all related policies. If you do not accept, please do not use our services.

Definitions

Key terms used in these Terms and Conditions are defined below for clarity.

• “Service” refers to ongoing financial planning offered by subscription for a monthly fee.
• “User” means any individual or business subscribing or using our planning service.
• “Advisor” is a qualified professional engaged by ioluxisova.com to provide planning consultations.
• “Subscription Fee” is the monthly payment required for ongoing access to our service.

Service Usage and Access

The service is available to users in Australia, subject to these terms. All advice is provided according to Australian regulation and tailored to user circumstances.

Eligibility

You must be at least 18 years old and legally able to enter contracts in Australia to use our service.

Proof of identity may be requested.

User Responsibilities

As a subscriber, you agree to the following responsibilities:

• Provide accurate and up-to-date information for your account.
• Review all disclosures, APR rates, and fee terms provided.
• Inform your advisor about any significant changes to your circumstances.
• Comply with all applicable laws and regulations.

Prohibited Uses

The following uses of our service are not allowed:

• Providing false or misleading information during sign-up or communication.
• Using the service for unlawful, fraudulent, or malicious activities.
• Attempting to gain unauthorised access to data or systems.
• Copying, distributing, or re-selling our content or branding.
• Using our website or service in violation of Australian law.

Intellectual Property Rights

All website content, branding, and materials are the property of ioluxisova.com or its licensors. You may not use, reproduce, or distribute content without written permission, except as allowed for personal use.

User Content and Submissions

If you submit content or feedback, you grant us a right to use it for service improvement. You remain responsible for your own submissions.

Privacy and Data Protection

We protect your personal data as described in our Privacy Policy. We comply with Australian privacy laws and best practices for data security. See Privacy Policy

Disclaimer and Limitations

Our service provides ongoing financial planning only. No guarantees of specific results, returns, or outcomes are offered.

Limitation of Liability

Our liability is limited to the amount of your paid subscription fee, to the extent permitted by law.

Indemnification

You agree to indemnify and hold ioluxisova.com harmless against claims resulting from your use of the service or breach of these terms.

Dispute Resolution Process

We aim to resolve disputes amicably. Please contact us first to address concerns before pursuing legal action.

Applicable Law and Jurisdiction

Australian law applies to all agreements and disputes involving our service.

Termination

We reserve the right to terminate access if terms are violated. Users may cancel at any time without penalty.

Modifications

We may update these terms periodically. The current version will always be available on our website.

Severability

If any part is found invalid, the rest of the agreement remains in effect.

Entire Agreement

These terms, along with our policies, represent the full agreement between you and ioluxisova.com.

Contact Us About Terms

Questions about these terms? We welcome your feedback and enquiries.