Terms and Conditions

Acceptance of Terms

By accessing and using Agencykorvalto, you accept and agree to be bound by the terms and provision of this agreement.

If you do not agree to these terms, please do not use our services.

Definitions

For the purpose of these terms, the following definitions apply:

  • Service: Financial planning consultations and related services provided by Agencykorvalto
  • User: Any individual or entity accessing or using our services
  • Content: All information, materials, and resources available through our services
  • Company: Agencykorvalto Financial Planning Pty Ltd and its affiliates

Service Description

We provide financial planning consultations, investment advice, and related educational services to help clients achieve their financial goals.

Our services include portfolio analysis, investment strategy development, and ongoing financial guidance tailored to individual circumstances.

All investments carry risk and may result in partial or total loss of capital. Please consider your risk tolerance carefully before investing.

User Responsibilities

As a user of our services, you agree to:

  • Provide accurate and complete information during consultations
  • Maintain confidentiality of any login credentials
  • Use our services only for lawful purposes
  • Respect intellectual property rights
  • Comply with all applicable laws and regulations

Prohibited Uses

You may not use our services to:

  • Engage in fraudulent or illegal activities
  • Distribute malicious software or spam
  • Violate any applicable laws or regulations
  • Infringe on intellectual property rights
  • Interfere with service functionality or security

Intellectual Property

All content, trademarks, and intellectual property on our website remain the property of Agencykorvalto Financial Planning Pty Ltd.

Users are granted limited, non-exclusive rights to access and use our services for personal purposes only.

Unauthorized reproduction, distribution, or modification of our content is strictly prohibited.

Payment Terms

The following payment terms apply to our services:

Payment Methods: We accept credit cards, bank transfers, and other payment methods as specified during booking. All prices include GST where applicable.

Refund Policy: Refunds are considered on a case-by-case basis within 14 days of service delivery, subject to our satisfaction policy.

Billing Cycle: One-time consultation fees are payable before or at the time of service delivery.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Please review our Privacy Policy for detailed information about data handling practices.

Disclaimers and Warranties

Warranty Disclaimer

Our services are provided "as is" without warranties of any kind, either express or implied, including but not limited to merchantability or fitness for a particular purpose.

We do not guarantee specific investment results or outcomes from our recommendations.

Limitation of Liability

To the maximum extent permitted by law, Agencykorvalto Financial Planning Pty Ltd shall not be liable for any indirect, incidental, special, or consequential damages.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SPECIFIC SERVICE.

Indemnification

You agree to indemnify and hold us harmless from any claims arising from your use of our services.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Arbitration

Disputes that cannot be resolved through direct negotiation may be subject to binding arbitration under Australian law.

Arbitration proceedings will be conducted in accordance with the rules of the Australian Centre for International Commercial Arbitration.

Alternative Dispute Resolution

For financial services disputes, you may contact the Australian Financial Complaints Authority (AFCA).

Online Dispute Resolution Platform: https://www.afca.org.au/

AFCA provides free dispute resolution services for financial services consumers.

These terms are governed by the laws of New South Wales, Australia.

These terms are governed by the laws of New South Wales, Australia, and any disputes will be resolved in Australian courts.

Termination

Either party may terminate the service relationship at any time with appropriate notice.

Upon termination, certain provisions of these terms shall survive, including payment obligations and confidentiality requirements.

Modifications to Disclaimers

We reserve the right to modify these terms at any time with reasonable notice.

Continued use of our services after modifications constitutes acceptance of the updated terms.

Severability

If any provision of these terms is deemed invalid, the remaining provisions shall remain in full force and effect.

Entire Agreement

These terms constitute the entire agreement between you and Agencykorvalto Financial Planning Pty Ltd regarding the use of our services.

Legal Contact Information

For legal matters or questions about these terms, please contact:

Legal Email: info@agencykorvalto.com

Legal Address: Level 15, 1 Macquarie Place, Sydney NSW 2000, Australia

Company Registration: ACN 634 789 012

Last Updated: July 2, 2025

Effective Date: July 2, 2025

Version: 2.1