1. Introduction

1.1. Welcome to YFS (Your Financial Services), an Australian-based financial services provider. These terms and conditions govern your use of our financial services.

2. Acceptance of Terms

2.1. By accessing and using our services, you agree to comply with these terms and conditions. If you do not agree, please refrain from using our services.

3. Services Offered

3.1. YFS provides a range of financial services in accordance with Australian regulatory guidelines.

4. Licensing and Regulatory Compliance

4.1. We operate in compliance with all applicable Australian laws and regulations governing financial services.

5. Eligibility

5.1. To use our services, you must meet our eligibility criteria as outlined in our application process and in accordance with Australian legal requirements.

6. Account Registration

6.1. To access our services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information.

7. Fees and Charges

7.1. Details about fees, charges, and payment methods will be outlined in separate agreements or on our website in compliance with Australian consumer protection laws.

8. Privacy and Data Protection

8.1. YFS complies with the Australian Privacy Principles (APPs) as outlined in the Privacy Act 1988 (Cth). Our privacy policy explains how we collect, use, and protect your personal information.

9. Financial Advice

9.1. YFS may provide general financial information or advice, but it does not constitute personal financial advice. You should seek independent financial advice tailored to your specific circumstances.

10. Complaints and Dispute Resolution

YFS has established a protocol for addressing customer concerns. In the event you encounter an issue, we kindly request you to contact the Head of Your Financial Services, Mr. Martin Baburi, at martin.baburi@yourfinancialservices.com.au

It is important to note that YFS assumes no liability for the resolution of disputes arising from this process.

11. Governing Law

11.1. These terms and conditions are governed by the laws of Australia. Any disputes will be subject to the jurisdiction of Australian courts.

12. Changes to Terms

12.1. YFS reserves the right to amend these terms and conditions at any time. Changes will be communicated through our website or other appropriate channels.

13. Contact Information

13.1. For questions or concerns regarding these terms and conditions or our services, please contact us at: martin.baburi@yourfinancialservices.com.au