Terms and conditions of service
These terms govern your use of merinalphoria.com and our subscription-based financial planning services. Please read them carefully before subscribing or using our site.
September 7, 2025
Acceptance of terms
By using this website or subscribing to our services, you agree to be bound by these terms. If you do not agree, please do not use the site or services.
Definitions
The following definitions apply throughout these terms and conditions.
‘Website’ refers to merinalphoria.com and all related content or services provided online.
‘Subscription’ means the monthly plan granting access to our financial planning consultations and reviews.
‘Consultant’ means a qualified individual employed or contracted by merinalphoria.com to provide services.
‘User’ refers to anyone accessing or using the website or services.
Service usage
Our services are intended for personal use by individuals and small business owners in Australia. Commercial resale or redistribution is not permitted.
Eligibility
Users must be at least 18 years old and legally capable of entering binding contracts. Proof of age or identity may be requested.
Service not available to minors.
User responsibilities
Users must provide accurate information and follow all applicable laws when using this site or service.
Prohibited uses
You may not use this site or service for any unlawful or prohibited activities.
Intellectual property rights
All content, branding, and materials on merinalphoria.com are owned by us or licensed for our use. No material may be copied, reproduced, or distributed without written permission.
User content
Users may submit information or requests as part of the service. All user content must comply with these terms and applicable law.
User content rights and usage
By submitting content, you grant us a non-exclusive right to use it for service delivery. We do not claim ownership of your personal information.
Privacy and data responsibility
All information is handled in line with our privacy policy, which forms part of these terms. We follow Australian regulations to safeguard your data.
Read privacy policyDisclaimer and limitations
Please review this section to understand important legal limitations and information.
Important notice
No guarantees of financial results or outcomes are offered. Results may vary for each user.
Limitation of liability
We are not liable for any indirect or consequential losses arising from use of our website or subscription service.
Indemnification
By using our services, you agree to indemnify us against claims or damages resulting from your use of the website or service.
Dispute resolution and law
In the event of disputes, you agree to the process described below and to jurisdiction in Australia.
Arbitration
Most disputes will be resolved through informal negotiation. Where necessary, disputes will be settled by arbitration in Australia.
Arbitration is binding except where otherwise required by law.
Online dispute resolution
For eligible disputes, users may access online dispute resolution platforms as provided by law.
Learn about online dispute resolutionSeverability
If any part of these terms is found invalid, remaining provisions will remain in effect.
Entire agreement
These terms, together with our privacy policy and disclaimer, represent the full agreement between you and merinalphoria.com.
Applicable law and jurisdiction
These terms are governed by the laws of Australia and applicable local regulations.
Termination
We reserve the right to suspend or terminate access for breach of these terms or misuse of services.
Changes
Terms may be updated from time to time. Continued use of the website means acceptance of changes.
Contact for terms and conditions
For questions about these terms, please contact us using the details below.
Email address: content@merinalphoria.com
Phone number: +61378909743
Office address: Level 21, 345 Queen Street, Brisbane, QLD 4000 Australia
Effective as of: September 7, 2025
Version: 3