Terms of Service

Introduction and Acceptance

These Terms of Service govern your use of valquorentis's financial planning subscription services and website located at valquorentis.com.

By accessing our website or subscribing to our services, you agree to be bound by these terms and all applicable laws and regulations.

These terms are effective as of September 10, 2025.

Definitions

For the purposes of these Terms of Service:

• "Service" refers to:: The financial planning subscription service, consultations, and related content provided by valquorentis
• "User" or "You" refers to:: Any individual accessing or using our website or subscribing to our services
• "Company," "We," or "Us" refers to:: valquorentis and its affiliates, directors, and authorized representatives
• "Content" refers to:: All information, materials, advice, and resources provided through our service

Use of Our Service

Your use of our financial planning service is subject to the following conditions:

Eligibility Requirements

You must be at least 18 years old and have the legal capacity to enter into binding agreements. Our services are available to Australian residents and may be subject to local regulatory requirements.

valquorentis financial planning footer logo: valquorentis financial planning footer logo

Account Responsibilities

• Provide accurate and complete information during registration
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized account access

Prohibited Activities

You agree not to use our service for any of the following purposes:

• Illegal activities or violation of applicable laws and regulations
• Transmission of harmful, fraudulent, or misleading information
• Interference with service operation or other users' access
• Unauthorized copying, distribution, or modification of our content
• Reverse engineering or attempting to access restricted areas

Intellectual Property

All content, materials, and intellectual property on our website and service are owned by or licensed to valquorentis and protected by Australian and international copyright laws.

We grant you a limited, non-exclusive license to access and use our service for personal, non-commercial purposes in accordance with these terms.

By sharing information with us, you grant valquorentis a license to use that information to provide and improve our services.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information when you use our services.

We are committed to protecting your personal information in accordance with Australian privacy laws.

Service Disclaimers

Limitation of Liability

To the maximum extent permitted by Australian law, valquorentis shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our service.

We exclude liability for loss of profits, data, business opportunities, or other consequential losses, even if we have been advised of the possibility of such damages.

Our total liability to you for all claims shall not exceed the amount you paid for our service in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless valquorentis, its directors, employees, and affiliates from any claims, damages, or expenses arising from your use of our service or violation of these terms.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Termination of Service

Either party may terminate the subscription service with appropriate notice as specified in your service agreement. We reserve the right to suspend or terminate accounts for violation of these terms.

Upon termination, your access to the service will cease, but certain provisions of these terms shall survive termination.

Governing Law

These Terms of Service are governed by the laws of Australia and the state/territory where valquorentis is registered.

Any legal proceedings shall be subject to the exclusive jurisdiction of Australian courts.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Service, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and valquorentis.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be communicated through email or prominent website notices.

Continued use of our service after changes constitutes acceptance of the modified terms.

Contact Information

For questions about these Terms of Service or our policies, please contact us: