Terms and Conditions of Service

These Terms and Conditions govern your use of Dynaforosine's financial planning consultation services. By subscribing to our services, you agree to these terms.

Effective Date: August 11, 2025

Acceptance of Terms

By using this website and our services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer and all applicable terms and conditions.

Important Definitions

For clarity, the following terms have specific meanings:

  • "Services": Financial planning consultation services provided through monthly subscription including personalized discussions, planning reviews, and analytical guidance
  • "Subscription": Monthly recurring payment arrangement for ongoing access to financial planning consultation services
  • "Client" or "You": Individual or entity subscribing to Dynaforosine's financial planning services
  • "Consultation": Personalized planning sessions conducted via phone, video call, or in-person meetings as arranged

Service Usage Guidelines

Your subscription provides access to professional financial planning consultations subject to the following terms:

Permitted Uses

  • Attending scheduled consultation sessions and accessing provided planning materials
  • Discussing personal financial situations and seeking guidance on money management strategies
  • Utilizing digital planning tools and resources provided as part of the service

Prohibited Activities

The following activities are not permitted under your subscription:

  • Sharing account access or consultation materials with unauthorized third parties
  • Using services for illegal activities or fraudulent purposes
  • Recording consultation sessions without prior written consent
  • Attempting to reverse-engineer or copy proprietary planning methodologies
  • Using services to compete directly with Dynaforosine's business operations

Your Responsibilities

As a client, you agree to:

  1. 1. Provide accurate and complete information relevant to financial planning discussions
  2. 2. Maintain confidentiality of account access credentials and notify us of any unauthorized use
  3. 3. Pay subscription fees promptly and maintain current payment information
  4. 4. Comply with all applicable laws and regulations in your jurisdiction

Intellectual Property

All planning methodologies, analysis tools, written materials, and proprietary content remain the intellectual property of Dynaforosine Financial Planning Pty Ltd and are protected under Australian copyright law.

Privacy Policy and Data Protection

Your personal information is handled according to our Privacy Policy, which forms part of these terms and is available on our website.

Service Disclaimers

Financial planning involves inherent risks and uncertainties. While we provide professional guidance based on current information and industry best practices, we cannot guarantee specific outcomes or results from implementing discussed strategies.

Services are provided "as is" without warranties of any kind. We make no representations about the suitability of our guidance for your specific circumstances beyond what is explicitly discussed in consultations.

Liability Limitations

To the maximum extent permitted by law, Dynaforosine's liability is limited to the amount of subscription fees paid in the 12 months preceding any claim. We shall not be liable for indirect, consequential, or punitive damages.

User Indemnification

You agree to indemnify Dynaforosine against any claims arising from your use of our services, breach of these terms, or violation of applicable laws.

Dispute Resolution

We encourage resolution of disputes through direct communication. For formal complaints, please contact our complaints officer at info@dynaforosine.com.

Arbitration Process

Disputes that cannot be resolved internally may be subject to binding arbitration under the Australian Arbitration Rules. Either party may commence arbitration by written notice to the other.

External Dispute Resolution

Clients may also access the Australian Financial Complaints Authority (AFCA) for external dispute resolution services.

AFCA Website: AFCA Online Complaints

Service Termination

Either party may terminate the subscription with 30 days written notice. Upon termination, access to services ceases, but these terms continue to apply to prior service periods.

Governing Law

These terms are governed by the laws of New South Wales, Australia, and any disputes are subject to the jurisdiction of Australian courts.

Severability Clause

If any provision of these terms is found unenforceable, the remaining provisions remain in full force and effect.

Complete Agreement

These terms, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between Dynaforosine and the client regarding our services.

Terms Modifications

We may modify these terms with 30 days written notice. Continued use of services after changes take effect constitutes acceptance of modified terms.

Cookie Questions and Concerns

For questions about these Terms and Conditions, please contact our legal team:

Email: contact@dynaforosine.com

Phone: +61 4 4105 3611

Address: 266 George Street, Brisbane, Queensland, Australia

Last updated: August 19, 2025