Terms and conditions for subscribers

Please read these terms before subscribing. They outline your rights and responsibilities as a loravianthos client. These conditions apply to all users of our financial planning subscription service.

August 31, 2025

Acceptance of terms

By using loravianthos, you accept these terms and agree to follow all guidelines detailed below. Do not continue if you do not agree with any part of the conditions.

Definitions

Key terms help clarify your experience with loravianthos services:

• ‘Subscription’ means ongoing access to planning sessions and support for one fee per month.
• ‘Client’ refers to any individual or business registered for a loravianthos subscription.
• ‘Advisor’ is a licensed, accredited financial planning professional from our team.
• ‘Session’ means any meeting, review, or correspondence included in your plan.

Using our services

loravianthos services are for individual clients using financial planning in Australia. Services are for general planning—not legal or specific investment product advice.

Eligibility

Only persons at least 18 years old can subscribe. You must have the authority to enter into legally binding contracts.

You may need to confirm your age or identity for compliance.

Your responsibilities

Your cooperation is necessary for quality planning:

• All details you provide must be truthful and up to date.
• Keep your account secure; notify us of unauthorised activity immediately.
• Advise us promptly of changes affecting your plan.
• Do not use the service for unlawful purposes, or on behalf of prohibited persons.

Prohibited uses

Use of services is restricted as follows:

• No unlawful purposes or use in violation of Australian regulations.
• Do not misrepresent yourself or supply false information.
• No uploading malware, viruses, or attempting to compromise the site.
• No unsolicited promotional activity or external advertising.
• No abuse or harassment of representatives or clients.

Intellectual property

All content and tools on loravianthos.com are owned or licensed by loravianthos. Reproduction, distribution, or commercial use without prior written consent is forbidden.

Your content

Content you submit is not confidential and may be used for service delivery, excluding private personal information.

Privacy and confidentiality

We follow the Australian Privacy Principles to keep your data secure. Information is used solely to provide your services and never sold without consent. See privacy policy

Important disclaimer

Information on loravianthos.com is general in nature. Seek personal advice before making decisions.

Limitation of liability

loravianthos is not responsible for loss or damages from use of our site or services, except to the extent required by Australian law.

Indemnity

You agree to indemnify loravianthos for claims resulting from misuse or breach of these terms.

How to resolve disputes

If you have concerns, contact us to seek informal resolution before further action.

Australian law applies

The site and all agreements are under Australian law and jurisdiction.

Ending your subscription

You can cancel your subscription anytime; we may terminate access for breach of these terms or legal issues.

Changes to the terms

loravianthos reserves the right to change or update our terms when required. Check this page for the latest version.

If parts are invalid

If any term is unenforceable, others remain in effect.

Entire agreement

These terms, plus any additional notices, form the complete contract between you and loravianthos.

Contact us for help

Questions about your account or these terms? Get in touch below.