Terms and Conditions
These terms and conditions govern your use of huralivonte's website and services. By accessing our website or using our services, you agree to be bound by these terms.
Last Updated:: September 2, 2025
Acceptance of Terms
By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by all disclaimers and limitations set forth above.
Definitions
For the purposes of these terms, the following definitions apply:
- "Company", "we", "us", "our": Refers to huralivonte and its authorized representatives
- "Services": Financial planning consultations, analytical reviews, and related services offered by huralivonte
- "Client", "you", "your": Any individual or entity accessing our website or using our services
- "Subscription": Monthly recurring service plan for ongoing financial consultations
Use of Our Services
Our services are designed to provide educational financial discussions and analytical reviews. By using our services, you acknowledge:
Permitted Uses
- Accessing consultations for personal financial education and guidance
- Using analytical reviews to better understand your financial situation
- Participating in discussions about financial planning approaches and market dynamics
Your Responsibilities
As a client, you agree to:
- Provide accurate and complete information during consultations
- Maintain the confidentiality of any access credentials
- Use our services in compliance with applicable laws
- Make your own independent financial decisions based on your circumstances
Prohibited Activities
You may not use our services to:
- Engage in any illegal or fraudulent activities
- Share confidential information with unauthorized third parties
- Attempt to gain unauthorized access to our systems or other clients' information
- Use our services for commercial purposes without written permission
- Misrepresent your identity or provide false information
Intellectual Property Rights
All content, materials, and intellectual property associated with our services remain the property of huralivonte. You may not reproduce, distribute, or create derivative works without our express written consent.
Privacy and Data Protection
Our collection and use of personal information is governed by our Privacy Policy, which is incorporated by reference into these terms. Please review our Privacy Policy to understand our practices.
Important Disclaimers
Please read these disclaimers carefully:
Our services are educational in nature and do not constitute personalized financial advice for your specific situation
Past performance does not guarantee future results, and all financial decisions carry inherent risks
Individual results may vary based on personal circumstances, market conditions, and implementation of discussed concepts
Limitation of Liability
To the maximum extent permitted by Australian law, huralivonte's liability for any claims arising from our services is limited to the amount paid for the specific service in question. We exclude liability for indirect, consequential, or punitive damages.
Indemnification
You agree to indemnify and hold harmless huralivonte from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of third-party rights.
Dispute Resolution
In the event of any disputes arising from these terms or our services:
Dispute Resolution Process
We encourage direct communication to resolve any issues. If needed, disputes may be referred to mediation or arbitration under Australian commercial arbitration rules.
Australian Financial Complaints Authority
Eligible complaints may be referred to the Australian Financial Complaints Authority (AFCA) for external dispute resolution.
Termination
Either party may terminate the service relationship with 30 days written notice. Upon termination, your access to ongoing consultations will cease, but these terms will continue to apply to any prior use of our services.
Governing Law
These terms are governed by the laws of Australia. Any legal proceedings must be brought in the appropriate Australian courts.
Severability
If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between you and huralivonte regarding the use of our services.
Changes to These Terms
We reserve the right to modify these terms at any time. Material changes will be communicated via email or website notice. Continued use of our services after changes constitutes acceptance of the modified terms.
Contact Information
For questions about these terms or our services, please contact us using the information provided in our Contact section.
Email:: contact@huralivonte.com
Phone:: +61 981-783-393
Address:: 245 Collins Street, Melbourne VIC 3000, Australia
These terms are effective as of September 2, 2025