Terms and Conditions of Service

These Terms and Conditions govern your use of janovaruthen website and consultation services. By accessing our website or engaging our services, you agree to be bound by these terms. Please read them carefully before proceeding.

These Terms and Conditions were last updated on September 30, 2025

Acceptance of Terms

By accessing janovaruthen website located at janovaruthen.sbs, scheduling consultations, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use our website or services. Your continued use of janovaruthen services constitutes ongoing acceptance of current terms, including any modifications made and published on our website.

Definitions

For purposes of these Terms and Conditions:

• janovaruthen, we, us, or our refers to the business entity operating the website and providing financial planning consultation services to Australian residents through janovaruthen.sbs and related platforms.
• You, your, or client refers to the individual accessing our website, scheduling consultations, or receiving services from janovaruthen, including all users of our website regardless of whether they become paying clients.
• Services refers to all consultation offerings, website content, tools, resources, and communications provided by janovaruthen including free initial consultations and any paid consultation sessions or planning services you engage.
• Website refers to janovaruthen.sbs and all associated pages, subdomains, and digital properties operated by janovaruthen for providing information and services related to financial planning consultations.

Description of Services

janovaruthen provides informational financial planning consultations designed to help Australian individuals understand personal finance concepts, explore budgeting strategies, and develop approaches aligned with their goals. Services are educational and consultative in nature, not financial advice, portfolio management, or directed recommendations to engage in specific financial transactions. We offer complimentary initial consultations with additional consultation services available for agreed fees.

Eligibility

Our services are designed for individuals aged eighteen years or older who are Australian residents or have sufficient connection to Australia that our consultation approach is relevant. By using janovaruthen services, you represent and warrant that you meet these eligibility requirements and have legal capacity to enter into binding contracts.

Services may not be suitable for non-residents or those subject primarily to non-Australian regulations.

Your Responsibilities as Client

When using janovaruthen services, you agree to:

• Provide accurate, complete, and current information during consultations and in all communications with janovaruthen, as our guidance depends on information accuracy you provide
• Maintain confidentiality of any account credentials or access information provided to you and notify us immediately of any unauthorized use of your account or security breaches
• Use services only for lawful purposes and in compliance with all applicable Australian federal, state, and local laws, regulations, and these Terms and Conditions
• Accept responsibility for all financial decisions you make, acknowledging that janovaruthen provides educational consultations, not directives, and that implementation of any strategies discussed is entirely your choice and responsibility

Prohibited Uses

You agree not to use janovaruthen services or website to:

• Misrepresent your identity, impersonate others, or provide false information during consultations or in communications with janovaruthen staff or representatives
• Transmit viruses, malware, or other harmful code that could damage, interfere with, or compromise our systems, website functionality, or data security
• Attempt unauthorized access to janovaruthen systems, accounts of other clients, or any computer systems or networks connected to our services through hacking or other illegitimate means
• Use automated systems including robots, scrapers, or data mining tools to access, monitor, or copy website content without our express written permission
• Reproduce, distribute, modify, or create derivative works from janovaruthen website content, consultation materials, or proprietary resources without explicit written authorization from us

Intellectual Property Rights

All content on janovaruthen website including text, graphics, logos, images, consultation materials, methodologies, tools, templates, and software is the property of janovaruthen or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws. You may view, download, and print website content for personal, non-commercial use only, provided you maintain all copyright and proprietary notices. Any other use requires prior written permission from janovaruthen.

Client-Provided Content

During consultations or through website forms, you may provide information, documents, or other content to janovaruthen. You retain ownership of information you provide, but by sharing it with us, you grant janovaruthen a limited, non-exclusive license to use, store, and process that information solely for providing consultation services to you and improving our service offerings.

Privacy and Data Protection

Your privacy is important to us. Collection, use, storage, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using janovaruthen services, you consent to our privacy practices as described in our Privacy Policy. We encourage you to review our Privacy Policy to understand how we handle your personal information in accordance with Australian privacy laws and regulations. View Privacy Policy

Service Disclaimers and Limitations

janovaruthen services are provided on an as-is and as-available basis. We make no representations or warranties of any kind regarding:

Limitation of Liability

To the maximum extent permitted by Australian law, janovaruthen and its directors, employees, consultants, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages including but not limited to loss of profits, revenue, data, or financial losses arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages. Our total liability for any claims arising from these terms or your use of services shall not exceed the amount you paid to janovaruthen in the twelve months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless janovaruthen, its officers, directors, employees, consultants, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees including reasonable attorneys fees arising from your use of services, violation of these Terms and Conditions, infringement of intellectual property or other rights of third parties, or any content you provide to us.

Dispute Resolution and Governing Law

These Terms and Conditions and your use of janovaruthen services are governed by the laws of Australia:

Applicable Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Australia, specifically the laws applicable in the state or territory where janovaruthen primarily conducts business, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of Australian courts for resolution of any legal matters arising from these terms or your use of janovaruthen services.

Termination

janovaruthen reserves the right to terminate or suspend your access to services immediately, without prior notice or liability, for any reason including breach of these Terms and Conditions. Upon termination, your right to use services ceases immediately, though provisions regarding intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution shall survive termination of these terms.

Modifications

janovaruthen reserves the right to modify these Terms and Conditions at any time to reflect changes in services, legal requirements, or business practices. We will provide notice of material changes by posting updated terms on our website with a new effective date. Your continued use of services after modifications become effective constitutes acceptance of revised terms. We encourage you to review terms periodically to stay informed of updates.

Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that remaining terms remain in full force and effect. The invalidity of one provision does not affect the validity or enforceability of any other provision of these terms.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or agreements published on our website, constitute the entire agreement between you and janovaruthen regarding use of our services and supersede all prior or contemporaneous communications, proposals, or agreements, whether electronic, oral, or written, between you and janovaruthen concerning the services.

Contact Information for Legal Inquiries

If you have questions about these Terms and Conditions or need to contact us regarding legal matters related to your use of janovaruthen services, please reach out: