Terms and Conditions of Service

These terms govern your use of lositonara.com and the subscription services offered. Please read them carefully before subscribing or using our site.

October 1, 2025

Acceptance of Terms

By accessing or subscribing, you agree to be bound by these terms. If you do not agree, do not use our services.

Definitions

The following definitions apply throughout these terms.

"lositonara" refers to the business providing subscription financial planning services.

"Subscription" means the recurring monthly payment for ongoing planning and support.

"User" or "You" means any person using lositonara.com or subscribing.

"Services" are the planning and consultation offerings provided under subscription.

Service Usage

Our services are for informational and consultative purposes only. We do not provide investment management, specific product recommendations, or legal advice.

Eligibility

You must be at least 18 years old and legally able to contract in Australia to subscribe.

Service is not available to minors.

User Responsibilities

You agree to provide accurate information and use the service in accordance with these terms.

Keep your contact and billing details current.
Do not share your account with others.
Use the subscription only for lawful purposes.
Comply with all applicable Australian laws.

Prohibited Uses

The following uses are not permitted.

Attempting to reverse engineer or copy the service.
Using the site for unlawful purposes.
Interfering with site operation or security.
Collecting data from other users without consent.
Impersonating another person or entity.

Intellectual Property

All site content, trademarks, and proprietary information are owned by lositonara. You may not reproduce, distribute, or modify this content without permission.

User Content

Any information you share is subject to our privacy policy and may be used to deliver services.

Rights in User Content

You grant us a licence to use submitted content as needed to provide services.

Privacy and Data Protection

Your data is handled in accordance with our Privacy Policy. We implement safeguards to protect your information and comply with Australian law.

View Privacy Policy

Website Disclaimer Statement

See the disclaimer page for important details on limitations of service and information.

Important Notice

All content is general and not a substitute for professional advice. Results may vary.

Limitation of Liability

lositonara is not liable for any loss or damages arising from your use of the service. Use is at your own risk.

Indemnification

You agree to indemnify lositonara against claims from your use of the site or breach of these terms.

Dispute Resolution and Jurisdiction

Disputes are governed by Australian law and resolved in Australian courts.

Arbitration

Where possible, disputes will first be addressed through negotiation or mediation.

Arbitration is not mandatory and may not apply in all cases.

Online Dispute Resolution

Users may contact us for dispute resolution or use relevant online services.

See contact page for details

Severability

If any part of these terms is invalid, the rest remains in effect.

Entire Agreement

These terms, with our policies, are the full agreement between you and lositonara.

Applicable Law

Australian law applies to all services and content.

Termination

We may suspend or terminate your subscription for breach of these terms or misuse of services.

Modifications

We may update these terms at any time. Continued use means you accept the new terms.

Contact Us

Questions about these terms? Get in touch:

Contact Email: content@lositonara.com

Contact Phone: +61-8-7487-9626

Contact Address: 95 Pitt Street, Australia Square Plaza Building, Sydney, NSW 2000 Australia

Effective Date: October 1, 2025

Version: v3.2