xenvoturiel - Expert Financial Planning Consultations for Australians Seeking Clarity

Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. These terms constitute a legally binding agreement between you and xenvoturiel.sbs. If you are using this website on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

Definitions

For the purposes of these Terms and Conditions, the following definitions apply:

Website refers to xenvoturiel.sbs and all associated pages, content, features, and services accessible through this xenvoturiel or any related subdomains operated by us for the purpose of providing information and consultation services.

Services refers to all consultation services, information, content, tools, and resources provided through this website, including but not limited to complimentary consultations, educational content, contact forms, and any other offerings we make available to visitors and clients.

User, You, or Your refers to any individual or entity that accesses, browses, or uses this website or our services, whether as a visitor, prospective client, current client, or any other capacity involving interaction with our platform or team.

We, Us, or Our refers to xenvoturiel.sbs, its owners, operators, employees, contractors, and authorized representatives who manage and provide the services offered through this website.

Use of Services

Our website provides information about financial planning consultations and related services for Australian residents. While we strive to provide accurate and helpful information, the content is general in nature and should not be considered personalized advice. You acknowledge that using our services does not create a formal advisor-client relationship unless explicitly established through separate written agreement.

Eligibility

You must be at least 18 years of age to use this website and our services. By using this website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms and Conditions under applicable law in your jurisdiction.

If you are under 18, please discontinue use immediately.

User Responsibilities

As a user of this website, you agree to the following responsibilities:

You will provide accurate, current, and complete information when submitting forms, requesting consultations, or communicating with us through any channel provided on this website or during interactions with our team.

You will maintain the confidentiality of any account credentials or access information provided to you and immediately notify us of any unauthorized use of your account or security breach that comes to your attention.

You will use the website and services only for lawful purposes and in accordance with these Terms and Conditions, refraining from any activity that could harm our operations, reputation, or other users.

You acknowledge that any decisions you make based on information obtained from this website or during consultations are your sole responsibility, and you will seek independent professional advice before taking significant financial actions.

Prohibited Uses

You agree not to use this website for any of the following prohibited purposes:

Violating any applicable laws, regulations, or third-party rights, including but not limited to privacy rights, intellectual property rights, consumer protection laws, or financial services regulations applicable in your jurisdiction.

Transmitting any harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable material, or engaging in conduct that could damage our reputation or interfere with other users' enjoyment of the website.

Attempting to gain unauthorized access to our systems, servers, networks, or data, or interfering with the proper functioning of the website through hacking, data mining, or introducing malware, viruses, or malicious code.

Using automated systems, bots, or scraping tools to extract data from the website without our express written permission, or overloading our servers with excessive requests that impair performance for others.

Misrepresenting your identity or affiliation with any person or entity, or providing false information in forms, consultations, or communications with our team in any capacity or through any channel.

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of xenvoturiel.sbs or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without our express written permission.

User-Generated Content

If you submit content to our website, including testimonials, reviews, comments, or other materials, you grant us a non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, modify, publish, and distribute such content in any media for business purposes, including marketing and promotional materials. You represent that you own or have necessary rights to any content you submit.

Rights to User Content

By submitting content, you warrant that it does not violate any third-party rights, including copyright, trademark, privacy, or other personal or proprietary rights. You agree to indemnify us against any claims arising from content you submit. We reserve the right to remove any user-generated content at our discretion without notice.

Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal information in accordance with Australian privacy laws, including the Privacy Act 1988 and Australian Privacy Principles. We are committed to protecting your privacy and handling your data responsibly throughout your interaction with our website and services.

View Privacy Policy

Disclaimer of Warranties

Your use of this website and services is at your sole risk. We provide the website and services on an as-is and as-available basis with the following disclaimers:

No Warranty Provided

We make no warranties, express or implied, regarding the website's operation, content accuracy, service availability, or fitness for any particular purpose. We do not warrant that the website will be uninterrupted, secure, or error-free, or that defects will be corrected promptly or at all.

Limitation of Liability

To the maximum extent permitted by Australian law, xenvoturiel.sbs and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising from your use of this website or services, even if we have been advised of the possibility of such damages occurring.

Indemnification

You agree to indemnify, defend, and hold harmless xenvoturiel.sbs, its operators, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees including reasonable legal fees arising from your use of the website, violation of these Terms and Conditions, or infringement of any third-party rights.

Dispute Resolution

We are committed to resolving disputes amicably and efficiently through the following mechanisms:

Arbitration

Any disputes arising from these Terms and Conditions or your use of our services shall first be attempted to be resolved through good faith negotiation. If negotiation fails, disputes may be submitted to binding arbitration in accordance with Australian arbitration rules, with the arbitration taking place in the jurisdiction where our business operates.

You waive any right to participate in class action lawsuits or class-wide arbitration when you agree to these terms.

Online Dispute Resolution

For disputes arising from online transactions, the European Commission provides an Online Dispute Resolution platform, which you may access for dispute resolution purposes if applicable to your situation based on your location and the nature of the transaction or interaction with our services.

Access ODR Platform

Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect without impairment or invalidation.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or agreements published on this website, constitute the entire agreement between you and xenvoturiel.sbs regarding your use of the website and services, superseding any prior agreements, communications, or understandings whether written or oral.

Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of Australia, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Australia for the resolution of any disputes arising from these terms or your use of our website.

Termination

We reserve the right to terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms and Conditions. Upon termination, your right to use the website will cease immediately, and any provisions that by their nature should survive termination will remain in effect.

Modifications

We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. Material changes will be notified by posting the updated terms on this page with a new Last Updated date. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Contact Information

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us:

Email Address: content@xenvoturiel.sbs

Phone Number: +61.8.0886.1128

Mailing Address: 17 Gould Road, Herston, QLD 4006 Australia

Terms and Conditions of Use