Terms & Conditions

Service Agreement

These Terms and Conditions govern your use of the noralithyra financial planning subscription service. By accessing our website or using our services, you agree to be bound by these terms.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our website or services.

Definitions

For the purposes of these Terms and Conditions:

  • Service: Refers to the financial planning subscription service provided by noralithyra, including consultations, guidance, and related support
  • User/Client: Any individual who accesses our website, uses our services, or subscribes to our financial planning service
  • Subscription: The monthly recurring service agreement for financial planning consultations and ongoing support
  • Content: All information, text, graphics, materials, and advice provided through our service

Use of Our Service

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

Permitted Uses

  • Access and use our service for legitimate financial planning purposes
  • Communicate with our consultants through approved channels
  • Provide accurate information necessary for effective financial guidance

Prohibited Uses

  • Share your account access with unauthorized parties
  • Use our service for any illegal or unauthorized purpose
  • Attempt to disrupt or interfere with our service operations
  • Reverse engineer or attempt to extract proprietary methodologies

Your Responsibilities

As a user of our service, you agree to:

  • Provide accurate and complete information for effective financial planning
  • Maintain the confidentiality of your account credentials
  • Notify us promptly of any changes to your financial circumstances
  • Use the service in compliance with all applicable laws and regulations

Intellectual Property

All intellectual property rights in our service, including content, methodologies, and materials, remain the exclusive property of noralithyra.

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

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

By using our service, you consent to the collection and processing of your personal data as described in our Privacy Policy. Privacy Policy

Service Disclaimers

Our service is provided "as is" without warranties of any kind, whether express or implied.

We make no guarantees about specific financial outcomes, returns, or results from using our service.

Additional disclaimers about our service limitations and risk factors can be found in our separate Disclaimer document. Disclaimer

Limitation of Liability

To the maximum extent permitted by Australian law, noralithyra's total liability arising from or related to these terms shall not exceed the amount you have paid for our services in the preceding 12 months.

In no event shall we be liable for indirect, incidental, special, or consequential damages.

Indemnification

You agree to indemnify noralithyra against any claims arising from your breach of these terms or misuse of our service.

Dispute Resolution

We're committed to resolving any disputes fairly and efficiently:

Australian Dispute Resolution

Any disputes will be resolved through the Australian court system, with preference for mediation or alternative dispute resolution where appropriate.

Disputes will be handled according to Australian consumer protection laws and fair trading practices.

International Visitors

For visitors from the European Union, we recognize your right to alternative dispute resolution mechanisms.

EU residents may access the European Commission's Online Dispute Resolution platform.: Available at: ec.europa.eu/consumers/odr

This does not affect your rights under applicable consumer protection legislation.

Termination

Either party may terminate the service subscription with 30 days written notice. We reserve the right to suspend or terminate accounts that violate these terms.

Upon termination, your access to our service will cease, though these terms will continue to apply to any prior use of our service.

Governing Law

Australian law, specifically the laws of New South Wales

These terms are governed by Australian law, specifically the laws of New South Wales, and any disputes will be subject to the exclusive jurisdiction of Australian courts.

Severability

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

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and noralithyra regarding our service.

Changes to Terms

We reserve the right to modify these terms at any time. Significant changes will be communicated via email or website notice at least 30 days before taking effect.

Your continued use of our service after changes take effect constitutes acceptance of the revised terms.

Contact Information

For questions about these Terms and Conditions, please contact us:

Email:: contact@noralithyra.com

Phone:: +61 703-970-379

Address:: 142 Collins Street, Melbourne VIC 3000

Effective Date:: September 11, 2025

Last updated:: August 18, 2025