Terms and Conditions of Service

Introduction and Acceptance

Welcome to valteroquian Financial Planning Services. These Terms and Conditions govern your use of our website, subscription services, and related offerings. By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

If you do not agree with any part of these terms, please discontinue use of our services immediately.

Key Definitions

For clarity, the following terms have specific meanings throughout this agreement:

• • "Service" refers to our financial planning subscription, consultations, analytical reviews, and related offerings
• • "User" or "Client" refers to any individual who accesses our website or subscribes to our services
• • "Content" includes all information, text, graphics, and materials provided through our platform
• • "Account" refers to your subscription and associated profile with valteroquian Financial Planning Services

Use of Our Services

Our financial planning subscription service is designed for eligible users who agree to use it responsibly and in accordance with these terms.

User Responsibilities and Conduct

As a user of our services, you agree to:

• • Provide accurate, complete, and current information during registration and consultations
• • Maintain the confidentiality of your account credentials and notify us immediately of unauthorized access
• • Use our services only for lawful purposes and in accordance with these terms
• • Respect the intellectual property rights of valteroquian and third parties
• • Communicate respectfully with our team members and maintain professional interactions

Prohibited Activities

You may not use our services for any of the following purposes:

• • Attempting to gain unauthorized access to our systems or other users' accounts
• • Transmitting viruses, malware, or other harmful code
• • Using automated systems to access our services without explicit permission
• • Sharing, reselling, or redistributing our proprietary content or insights
• • Engaging in any activity that could damage, disable, or impair our service functionality
• • Violating any applicable local, national, or international laws or regulations

Intellectual Property Rights

All content, materials, trademarks, logos, and intellectual property associated with our services remain the exclusive property of valteroquian Financial Planning Services. You receive a limited, non-transferable license to use our services for their intended purpose only.

Unauthorized reproduction, distribution, or modification of our content is strictly prohibited and may result in legal action.

User-Generated Content

Any information, feedback, or materials you provide during consultations or through our platform remain your property. However, you grant us permission to use this information to deliver our services effectively.

By sharing information with us, you grant valteroquian a non-exclusive license to use, process, and analyze this data solely for the purpose of providing financial planning services.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms and Conditions. Please review our Privacy Policy to understand our data practices.

Service Disclaimers

Our services are provided on an "as-is" basis. While we strive to provide accurate and helpful guidance, we make no warranties about the completeness, reliability, or accuracy of our consultations or analyses.

We expressly disclaim all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, valteroquian Financial Planning Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to loss of profits, data, or business opportunities.

Our total liability for any claims related to our services shall not exceed the amount you paid for your subscription in the twelve months preceding the claim.

User Indemnification

You agree to indemnify, defend, and hold harmless valteroquian Financial Planning Services, its directors, employees, and affiliates from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Service Termination

Either party may terminate the service relationship with appropriate notice. We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited activities. Termination does not relieve you of any obligations incurred prior to termination.

Following termination, your access to our services will cease, though certain provisions of these terms will survive termination, including intellectual property rights, disclaimers, and limitation of liability.

Dispute Resolution and Governing Law

We prefer to resolve disputes through direct communication and mutual agreement.

Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia, without regard to conflict of law principles. Any legal proceedings must be brought in the competent courts of Sydney, New South Wales.

Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect. Invalid provisions will be replaced with enforceable provisions that most closely reflect the original intent.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and valteroquian Financial Planning Services regarding the use of our services, superseding all prior agreements and understandings.

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Significant changes will be communicated through our website, email notifications, or other appropriate channels at least 30 days before taking effect.

Your continued use of our services after changes become effective constitutes acceptance of the modified terms.

Contact Information

If you have questions about these Terms and Conditions or need clarification on any provision, please contact us at contact@valteroquian.com or +61 674-488-339.

Last Updated:: August 12, 2025