Terms and Conditions of Use
Please read these terms carefully, as they govern your use of our website and subscription services.
September 18, 2025
Acceptance of Terms
By accessing or using this site, you agree to these terms, our privacy policy, and all applicable laws and regulations. If you disagree, please do not use the service.
Definitions
Key terms used in our agreement are defined below.
‘Service’ refers to our subscription-based financial planning offering.
‘User’ means any individual using our website or services.
‘Subscription’ means the monthly or annual payment plan for ongoing financial planning consultations and support.
‘Content’ includes all written, visual, and downloadable materials on this site.
Permitted Use of Service
You may use our service for personal, non-commercial purposes only. Redistribution or commercial use is not allowed.
Eligibility
Services are available to those 18 years and older, residing in Australia. Non-residents may inquire but must comply with local laws.
You must be 18 or older to subscribe.
User Responsibilities
You are responsible for providing accurate information and using our service lawfully.
Prohibited Uses
You may not use the service in any way that is unlawful or harmful.
Intellectual Property Rights
All content, trademarks, and materials on this site are our property or licensed for our use. You may not copy, modify, or distribute content without permission.
User Content
You are responsible for any content you submit or upload, ensuring it complies with these terms and does not infringe on others’ rights.
User Content Rights and Use
By submitting content, you grant us a right to use, display, and modify it as needed for service delivery.
Privacy and Data Handling
Your privacy is important. Please refer to our Privacy Policy for details on data handling, storage, and your rights as a user.
View Privacy PolicyDisclaimer and Limitations
Our content is for general information only and does not replace professional advice.
Important Disclaimer
We do not provide investment or legal advice. Results may vary for each user.
Limitations of Liability
We are not liable for any loss, damages, or claims arising from your use of this service or website.
Indemnification
You agree to indemnify and hold us harmless from claims, damages, or expenses related to your use or violation of these terms.
Dispute Resolution Process
If you have concerns or disputes, please contact us first. We aim to resolve issues promptly and fairly.
Arbitration
Unresolved disputes may be referred to arbitration according to Australian law.
Arbitration decisions are final and binding.
Online Dispute Resolution
You may use an official dispute resolution platform for unresolved issues.
Learn about ODR hereSeverability
If any term is found invalid, the rest remain in effect.
Entire Agreement
These terms, along with our policies, form the full agreement between you and us.
Applicable Law and Jurisdiction
All matters are governed by the laws of Australia. Any disputes are subject to Australian jurisdiction.
Termination
We may suspend or terminate your subscription for policy violations, without refund for unused time.
Modifications
Terms may change without notice. Continued use after updates means acceptance of the new terms.
Contact for Terms
Questions about these terms? Please contact us for clarification.
Email: content@ultraryivo.com
Phone: +61.2.4931.6378
Address: 1 Bligh Street, Level 26, Sydney, NSW 2000 Australia
Effective Date: September 18, 2025
Version: 2.0