Terms and Conditions

These Terms and Conditions govern your use of xarnuvalenthos.com's financial coaching services. By using our services, you agree to these terms. Services provided: xarnuvalenthos.com provides educational financial coaching services designed to help clients develop knowledge and skills in capital management and investment strategies. Our services are educational in nature and do not constitute financial advice. Client responsibilities: You agree to: Provide accurate information about your financial situation; Actively participate in coaching sessions; Understand that results depend on your implementation of strategies; Take responsibility for your financial decisions. Payment terms: Coaching fees are $350 per course and must be paid in advance. Payment can be made via credit card, bank transfer, or other approved methods. Fees are non-refundable except where required by Australian Consumer Law. Cancellation policy: You may cancel your coaching within 7 days of purchase for a full refund, provided you have not attended more than one session. Cancellations after this period are subject to our discretion and may incur charges. Intellectual property: All materials, content, and methodologies provided during coaching remain the intellectual property of xarnuvalenthos.com. You may not reproduce, distribute, or use these materials for commercial purposes without written permission. Limitation of liability: xarnuvalenthos.com's liability is limited to the amount paid for coaching services. We are not liable for any indirect, consequential, or punitive damages. Our coaching is educational, and we make no guarantees about financial outcomes. Disclaimer: Past performance does not guarantee future results. All investment decisions carry risk, and you should consult with qualified financial advisors before making investment decisions. xarnuvalenthos.com does not provide financial advice as defined by Australian Securities and Investments Commission (ASIC) regulations. Privacy: Your personal information is handled in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). We are committed to protecting your privacy and will not share your information without consent except as required by law. Governing law: These terms are governed by the laws of Victoria, Australia. Any disputes will be resolved in the courts of Victoria. If any provision is found invalid, the remaining provisions remain in effect. Complaints: If you have a complaint about our services, please contact us at info@xarnuvalenthos.com or +61 2 8623 9527. We will investigate and respond within 14 days. If unsatisfied, you may contact the relevant consumer protection authority. Changes to terms: We may update these terms from time to time. Continued use of our services after changes constitutes acceptance of the new terms. Significant changes will be communicated via email or website notice. Contact information: For questions about these terms, contact us at: xarnuvalenthos.com, Level 15, 123 Collins Street, Melbourne VIC 3000, Email: info@xarnuvalenthos.com, Phone: +61 2 8623 9527. Last updated: June 20, 2025.