Terms & Conditions of Service

Welcome to kouramicovio Financial Planning Services

These terms and conditions govern your use of our financial planning subscription service and establish the framework for our professional relationship.

By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

These terms constitute a legally binding agreement between you and kouramicovio effective from your first service use.

Important Definitions and Terminology

The following definitions apply throughout these terms and conditions to ensure clarity and understanding.

  • Service: Our monthly subscription financial planning consultations, guidance, and related support services
  • Subscriber: Any individual or entity that has purchased and maintains an active subscription to our services
  • Personal Information: Any information that identifies or could reasonably identify you as an individual
  • Professional Advice: Specific recommendations tailored to your individual circumstances requiring formal advisory licensing

Description of Our Financial Planning Services

Our subscription service provides ongoing financial planning consultations, general guidance, and support to help you understand and navigate your financial situation.

We focus on financial planning discussions, analysis of your situation, and helping you understand your options rather than providing specific product recommendations.

Your subscription includes

  • Monthly one-on-one consultation sessions with qualified financial planners
  • Personalised financial planning discussions tailored to your circumstances
  • Ongoing email support and guidance between scheduled consultations

Eligibility Requirements for Service Use

Our services are available to Australian residents aged 18 and over who can legally enter into binding agreements.

18+ only

You must provide accurate information about your circumstances and maintain active communication throughout the subscription period.

Your Responsibilities as a Subscriber

As a subscriber to our services, you have specific responsibilities to ensure effective service delivery and maintain our professional relationship.

  • Provide accurate and complete information about your financial circumstances
  • Attend scheduled consultations or provide reasonable notice for rescheduling
  • Maintain confidentiality of any proprietary planning tools or resources provided
  • Pay subscription fees promptly and maintain current payment information
  • Seek appropriate professional advice before making significant financial decisions

Prohibited Activities and Service Misuse

To maintain service quality and protect all users, certain activities are strictly prohibited when using our services.

You may not use our services to

  • Share access credentials or allow unauthorised persons to access your consultations
  • Record consultations without explicit written consent from all parties
  • Use information obtained through our service for illegal activities or fraud
  • Harass, threaten, or abuse our staff or other service users
  • Attempt to reverse engineer or copy our proprietary planning methodologies

Subscription Fees and Payment Information

Your subscription fee is $250 per month, charged in advance on the same date each month.

  • Monthly fees are due in advance and charged automatically to your nominated payment method
  • Failed payments may result in service suspension until payment is successfully processed
  • All fees include GST where applicable and are quoted in Australian dollars

We reserve the right to update subscription fees with 30 days' written notice to active subscribers.

Cancellation Policy and Refund Terms

You may cancel your subscription at any time with 30 days' written notice to avoid charges for the following month.

Cancellation takes effect at the end of your current billing cycle, and you retain access to services until that date.

No refunds are provided for partial months or services already delivered, except where required by Australian Consumer Law.

Intellectual Property Rights

All intellectual property in our planning tools, methodologies, and materials remains the exclusive property of kouramicovio.

You may not reproduce, distribute, or create derivative works from our proprietary materials without written permission.

Your use of our services grants no ownership rights in our intellectual property or confidential business information.

Privacy and Data Protection Commitments

We collect and process your personal information in accordance with our Privacy Policy and applicable Australian privacy laws.

Your personal information is used solely to provide our services and maintain our professional relationship.

Our complete Privacy Policy is available separately and forms part of your agreement with us.

Limitation of Liability and Risk Acknowledgment

Our liability is limited to the extent permitted by Australian law.

Excluded Liabilities

We exclude liability for indirect, consequential, or special damages arising from use of our services.

  • We exclude liability for investment losses or financial decisions made based on our general guidance
  • Our maximum liability is limited to the subscription fees paid in the 12 months preceding any claim
  • We are not liable for indirect, consequential, or special damages arising from service use

User Indemnification

Users agree to indemnify kouramicovio against claims arising from misuse of our services or violation of terms.

This includes costs, legal fees, and damages resulting from user actions or omissions.

Dispute Resolution Information

We encourage direct communication to resolve any service concerns before formal dispute procedures.

Arbitration Process

Unresolved disputes may be referred to binding arbitration under Australian commercial arbitration rules.

Arbitration provides a faster, more cost-effective alternative to traditional court proceedings for dispute resolution.

  • Each party bears their own costs unless the arbitrator determines otherwise
  • Arbitration proceedings are confidential and not open to public scrutiny
  • Arbitrator decisions are final and binding on all parties to the dispute

Alternative Dispute Resolution

Australian consumers may also access dispute resolution through the Australian Financial Complaints Authority.

External dispute resolution provides independent assessment of service complaints and concerns.

Australian Financial Complaints Authority

We are committed to participating constructively in any alternative dispute resolution processes.

We are committed to resolving any service concerns promptly and fairly through established procedures.

Governing Law and Legal Jurisdiction

All disputes are subject to the jurisdiction of Australian courts.

These terms are governed by Australian law and subject to the jurisdiction of Australian courts.

Severability Clause

If any provision of this disclaimer is found invalid, the remaining provisions continue in full effect.

Invalid provisions will be replaced with valid terms achieving similar commercial objectives.

Complete Agreement Terms

These terms, together with our Privacy Policy and any supplementary service agreements, constitute the complete agreement between us.

This agreement supersedes all previous understandings, communications, or agreements relating to the subject matter.

Changes to Terms and Conditions

We may update these terms periodically to reflect changes in our services or legal requirements.

Material changes will be communicated at least 30 days before taking effect.

Continued use of our services after changes take effect constitutes acceptance of the modified terms.

Service Termination Conditions

Either party may terminate this agreement with appropriate notice as specified in these terms.

We reserve the right to terminate service immediately for breach of terms or prohibited activities.

Upon termination, your access to services ceases, but confidentiality obligations continue indefinitely.

Contact Information for Legal Matters

For questions about these terms or our services, please contact us at contact@kouramicovio.world or +61-863-659-885.

Email Address: contact@kouramicovio.world

Phone Number: +61 8 6365 9885

Business Address: 127 Collins Street, Melbourne VIC 3000

This disclaimer was last updated on September 30, 2025

These terms were last updated on August 31, 2025, and are effective immediately.