Terms and Conditions of Service

These terms govern your use of lymoraquelin's consultation services and website. By engaging our services, you agree to these terms. Please read them carefully and contact us with any questions before proceeding. These terms constitute a binding legal agreement between you and lymoraquelin.

These terms were last updated on September 2, 2025.

Acceptance of Terms

By accessing our website, scheduling consultations, or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. If you do not agree with any provision, you must not use our services. Your continued use following any modifications to these terms constitutes acceptance of those changes. We recommend reviewing these terms periodically to stay informed about your rights and obligations.

Definitions

For purposes of these terms, the following definitions apply:

• Services refers to the financial planning consultation services, analytical reviews, strategic guidance, and related support provided by lymoraquelin to clients through scheduled sessions, written documentation, and ongoing communication as described in our service offerings.
• Client or You refers to any individual or entity that engages lymoraquelin's consultation services, accesses our website, or communicates with our team regarding potential or existing service relationships under these terms.
• Consultation means scheduled sessions between clients and lymoraquelin's team members conducted in person, via phone, video conference, or other agreed-upon methods for the purpose of discussing financial planning matters and providing guidance.
• Documentation includes all written materials, reports, summaries, emails, and other records created or provided by lymoraquelin in connection with consultation services.

Proper Use of Services

Our consultation services are intended for Australian residents seeking guidance on financial planning matters. You agree to use services only for lawful purposes and in accordance with these terms. You must provide accurate information during consultations and promptly notify us of any changes to your circumstances that may affect our guidance.

Eligibility

Our services are available to individuals aged 18 years or older who have legal capacity to enter into binding agreements. By using our services, you represent that you meet these eligibility requirements and that all information you provide is accurate and complete to the best of your knowledge.

We reserve the right to refuse service to anyone for any lawful reason.

Your Responsibilities

As a client, you agree to the following responsibilities:

• Provide accurate, complete, and truthful information during consultations. Our guidance depends on the quality and accuracy of information you share. Withholding relevant details or providing false information may compromise the value of our services.
• Maintain confidentiality of any login credentials or access information provided for client portals or secure communication channels. You are responsible for all activity occurring under your account.
• Attend scheduled consultations on time or provide reasonable advance notice if you need to reschedule. Repeated missed appointments may result in service termination or rescheduling fees.
• Make independent decisions based on your own judgment. While we provide guidance and analytical perspectives, you remain solely responsible for all decisions and their consequences. Consult licensed professionals before implementing significant actions.

Prohibited Uses

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

• Engaging in any illegal activity, violating any laws or regulations, or using our services to facilitate unlawful conduct or assist others in violating legal requirements applicable in your jurisdiction.
• Misrepresenting your identity, credentials, affiliation, or circumstances to our team. Providing false information, using another person's identity, or concealing material facts is strictly prohibited and grounds for immediate termination.
• Attempting to gain unauthorized access to our systems, networks, data, or other clients' information through hacking, password mining, or any other means. Respect for privacy and security is essential.
• Reproducing, distributing, or commercializing our proprietary materials, methodologies, documentation, or intellectual property without explicit written permission. Our consultation materials are for your personal use only.
• Harassing, threatening, or behaving abusively toward our team members or staff. We maintain a professional environment and reserve the right to terminate relationships with clients who engage in inappropriate conduct.

Intellectual Property Rights

All content on our website, including text, graphics, logos, methodologies, analytical frameworks, and documentation, is the property of lymoraquelin and protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our materials without explicit written permission. The consultation guidance we provide is for your personal use only and may not be shared with third parties or used for commercial purposes without authorization.

Client-Provided Content

When you provide information, documents, or other materials during consultations, you grant us permission to use this content solely for the purpose of delivering services to you. We maintain confidentiality and do not share your information except as outlined in our Privacy Policy.

Privacy and Data Protection

We are committed to protecting your privacy and personal information in accordance with Australian privacy laws. Our collection, use, storage, and disclosure of your information is governed by our Privacy Policy, which forms part of these terms. By using our services, you consent to our privacy practices as described in that policy. We implement reasonable security measures to protect your data but cannot guarantee absolute security given the inherent risks of electronic communication and storage. View Privacy Policy

Disclaimers and Limitations

Please note the following important disclaimers regarding our services:

Limitation of Liability

To the maximum extent permitted by law, lymoraquelin's liability for any claims arising from our consultation services is limited to the amount you paid for those services. We are not liable for indirect, consequential, special, or punitive damages arising from your use of our services or decisions based on information discussed during consultations.

Indemnification

You agree to indemnify, defend, and hold harmless lymoraquelin, its consultants, employees, and affiliates from any claims, losses, damages, liabilities, costs, or expenses arising from your use of our services, your violation of these terms, or your violation of any laws or third-party rights.

Dispute Resolution Procedures

In the event of any dispute arising from these terms or our services, the following procedures apply:

Governing Law and Jurisdiction

These terms are governed by the laws of Australia without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of Australian courts for resolution of any disputes.

Termination

Either party may terminate the consultation relationship at any time with written notice. Upon termination, you remain obligated to pay for services already rendered. lymoraquelin reserves the right to terminate services immediately for violation of these terms, abusive behavior, or other circumstances that compromise our ability to serve you effectively.

Modifications

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications constitutes acceptance of the updated terms. We encourage you to review these terms periodically to stay informed about your rights and obligations.

Severability

If any provision of these terms is found invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy and any service agreements you sign, constitute the entire agreement between you and lymoraquelin regarding our consultation services. They supersede all prior agreements, understandings, or communications, whether written or oral.

Contact Information for Terms Questions

If you have questions about these terms or need clarification regarding any provisions, please contact us before using our services.