Terms and Conditions for Investment Advisory Services
Last updated: June 26, 2025
Acceptance of Terms
Agreement to Service Terms
By engaging our investment consultation services, you agree to these terms and conditions. These terms govern the professional relationship between Kromeliaapp and clients seeking investment advisory services, portfolio management, and wealth planning guidance.
Investment Advisory Services
Description of Professional Services
Our investment consultation services include personalized portfolio management, risk assessment, asset allocation strategies, and wealth planning advice. Sessions are conducted hourly at rates between $100-$500 AUD based on service complexity and advisor expertise level.
Client Responsibilities
Client Obligations for Investment Services
- Provide accurate and complete financial information for effective consultation
- Maintain confidentiality of proprietary investment strategies and recommendations
- Make timely payments for consultation services as agreed
- Notify us of material changes in financial circumstances or investment objectives
- Understand that investment decisions are ultimately your responsibility
Prohibited Activities
Restricted Use of Investment Services
- Sharing proprietary investment strategies with unauthorized parties
- Using our services for illegal financial activities or market manipulation
- Misrepresenting your financial situation or investment experience
- Attempting to reverse-engineer our proprietary investment methodologies
Intellectual Property Rights
All investment research, analysis, portfolio models, and proprietary strategies remain the intellectual property of Kromeliaapp. Clients receive license to use recommendations for personal investment purposes only.
Our investment methodologies, research reports, and analysis tools are protected by copyright and trade secret laws.
Payment Terms for Investment Consultations
Consultation Fee Structure
- Hourly consultation rates range from $100-$500 AUD depending on service complexity
- Payment is due within 7 days of consultation completion
- Additional fees may apply for specialized research or ongoing portfolio management
Consultation Cancellation Policy
Consultations may be cancelled or rescheduled with at least 24 hours notice without penalty. Same-day cancellations may incur a 50% fee.
Emergency cancellations will be considered on a case-by-case basis. Repeated cancellations may result in service termination.
Liability Limitations
Kromeliaapp.com's liability is limited to the amount paid for consultation services. We are not liable for investment losses resulting from market conditions, client decisions, or external factors beyond our control.
Our maximum liability per client is capped at $10,000 AUD per calendar year
Client Indemnification
Clients agree to indemnify Kromeliaapp against claims arising from misuse of investment advice, failure to disclose material information, or violations of securities laws.
Service Termination
Ending the Advisory Relationship
Either party may terminate the advisory relationship with 30 days written notice. Outstanding fees remain due upon termination.
Governing Law and Jurisdiction
These terms are governed by Australian law and subject to the exclusive jurisdiction of Australian courts. Disputes will be resolved through binding arbitration where applicable.
Modifications to Terms
We reserve the right to modify these terms with 30 days notice to clients. Continued use of services constitutes acceptance of modified terms.
Contact Information
For questions about these terms or our investment services, please contact us.
Kromeliaapp Investment Advisory Services Pty Ltd:
Kromeliaapp Investment Advisory Services
Level 12, 456 Collins Street, Melbourne VIC 3000, Australia