Terms and Conditions
These Terms and Conditions govern your use of ozeranivalo's financial planning subscription service. Last updated: September 15, 2025.
Last Updated:: September 15, 2025
Acceptance of Terms
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.
Definitions
For the purposes of these terms:
- Service:: Our financial planning consultation and analytical review subscription service
- User/Client:: Any individual who subscribes to or uses our services
- Content:: All information, materials, and resources provided through our service
- Company:: ozeranivalo and its affiliates, employees, and authorized representatives
Use of Service
By subscribing to our service, you agree to use it in accordance with these terms:
Permitted Uses
- Accessing consultations and analytical reviews for personal financial planning
- Using provided materials for your own financial understanding
- Communicating with our consultants through approved channels
Prohibited Uses
You may not use our service to:
- Share access credentials with unauthorized parties
- Use our service for commercial purposes without permission
- Attempt to reverse engineer or copy our methodologies
- Provide false information that affects service quality
- Violate applicable laws or regulations
User Accounts
You are responsible for maintaining the confidentiality of your account information and all activities under your account.
Intellectual Property
All content, methods, and materials provided through our service remain our intellectual property and are protected by applicable laws.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy for information about data collection and use. Privacy Policy
Service Disclaimers
Please understand these important disclaimers:
We provide our service "as is" without warranties of any kind
We do not warrant that our service will meet all your specific needs
Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, or consequential damages arising from your use of our service.
Indemnification
You agree to indemnify us against any claims arising from your violation of these terms or misuse of our service.
Dispute Resolution
We are committed to resolving disputes fairly and efficiently:
Arbitration
Disputes may be resolved through binding arbitration in accordance with Australian commercial arbitration rules.
Online Dispute Resolution
For eligible disputes, online resolution platforms may be available.
ODR Platform:: Available through relevant Australian dispute resolution services
Governing Law
These terms are governed by the laws of Australia and the state of Victoria.
Termination
Either party may terminate the subscription with 30 days written notice. Certain provisions will survive termination.
Severability
If any provision is found unenforceable, the remaining terms will continue in full effect.
Entire Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between us.
Changes to Terms
We may modify these terms periodically. Material changes will be communicated with 30 days notice.
Contact Information
For questions about these terms, contact us at contact@ozeranivalo.com or +61 679-085-034.
ozeranivalo
Level 15, 123 Collins Street, Melbourne VIC 3000
Email:: contact@ozeranivalo.com
Phone:: +61 679-085-034
By using our service, you acknowledge that you have read and agree to these Terms and Conditions.