tiloravena - Financial guidance for value-aligned spending control

Acceptance of Terms

By accessing or using the tiloravena website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use our website or services. Your continued use constitutes ongoing acceptance.

Definitions

Throughout these Terms, the following terms have specific meanings to ensure clarity and common understanding:

We, Our, Us refers to tiloravena and its affiliated advisors providing financial guidance services through the tiloravena.com website and associated platforms.

You, Your refers to the individual or entity accessing our website, engaging our services, or otherwise interacting with our business in any capacity.

Services refers to financial guidance, consultations, zero-based budgeting advice, values-alignment planning, and related advisory services we provide to clients through various delivery methods.

Website refers to tiloravena.com and all associated pages, subdomains, content, features, and functionality accessible through this tiloravena.

Service Usage Terms

Our financial guidance services are provided for informational and advisory purposes. We provide consultation and recommendations, but you retain full responsibility for your financial decisions. Results may vary based on individual circumstances. Past performance doesn't guarantee future results.

Eligibility

Our services are intended for individuals aged 18 years or older who are Australian residents or have legitimate interest in Australian financial guidance. By using our services, you represent that you meet these eligibility requirements and have legal capacity to enter binding agreements.

We reserve the right to refuse service to anyone for any lawful reason.

User Responsibilities

When using our website and services, you agree to fulfill the following responsibilities and obligations:

Provide accurate, complete, and current information during consultations and in all communications, understanding that our guidance depends on information quality you provide.

Maintain confidentiality of any account credentials or access information, taking responsibility for activities occurring through your access to our systems or services.

Use our website and services only for lawful purposes, refraining from any activities that violate laws, regulations, or rights of others.

Implement recommendations at your own discretion and risk, understanding you bear sole responsibility for financial decisions and their consequences regardless of guidance received.

Prohibited Uses

You may not use our website or services for any of the following purposes:

Violating any applicable local, state, national, or international law or regulation, or using services to facilitate unlawful activities.

Transmitting harmful code including viruses, malware, or other malicious software designed to damage or interfere with systems or data.

Attempting unauthorized access to our systems, other user accounts, computer networks, or protected information through hacking, scraping, or other means.

Impersonating any person or entity, or falsely representing affiliation with any person or organization for deceptive purposes.

Collecting or harvesting personal information about other users without explicit consent, or using information for unauthorized purposes like spam.

Intellectual Property Rights

All content on the tiloravena website, including text, graphics, logos, images, software, and design elements, is owned by tiloravena or licensed to us and protected by Australian and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without explicit written permission.

User-Generated Content

If you submit content through our website such as testimonials, reviews, comments, or feedback, you grant us non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and display such content for business purposes including marketing and service improvement.

Content Standards

You represent that any content you submit does not violate third-party rights, contain defamatory or unlawful material, or include confidential information you're not authorized to share. We reserve the right to remove any content violating these standards.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to data practices described in our Privacy Policy. We comply with Australian Privacy Principles under the Privacy Act 1988.

Privacy Policy

Service Disclaimers

Important limitations and disclaimers regarding our services that you must understand before engaging with tiloravena:

No Guaranteed Results

We provide guidance and recommendations based on experience and methodology, but we cannot guarantee specific financial outcomes. Results may vary significantly based on individual circumstances, commitment to implementation, and factors beyond our control or prediction.

Limitation of Liability

To the maximum extent permitted by Australian law, tiloravena and its advisors shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services or website, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless tiloravena, its advisors, employees, and affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

Dispute Resolution

In the event of disputes arising from these Terms or our services, the following resolution procedures apply:

Arbitration

Any dispute not resolved through informal negotiation shall be settled through binding arbitration in accordance with the Australian Arbitration Act. Arbitration will be conducted in the state where our primary office is located, and the arbitrator's decision will be final and binding.

You waive the right to participate in class actions or representative proceedings by agreeing to arbitration.

Online Dispute Resolution

For disputes arising from online transactions, you may access alternative dispute resolution mechanisms through relevant Australian consumer protection authorities. We commit to participating in good faith in such resolution processes when applicable.

Consumer Affairs Authority

Severability

If any provision of these Terms is found invalid or unenforceable by a court, the remaining provisions remain in full force and effect. Invalid provisions will be modified to the minimum extent necessary to make them enforceable while preserving intent.

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and tiloravena regarding use of our website and services, superseding any prior agreements or understandings.

Governing Law

These Terms are governed by and construed in accordance with the laws of Australia and the state in which our primary operations are located. You consent to the exclusive jurisdiction of courts in that location for any disputes not subject to arbitration.

Termination

We reserve the right to suspend or terminate your access to our website or services at any time for any reason, including violation of these Terms. Upon termination, your right to use services ceases immediately, though provisions regarding intellectual property, disclaimers, and limitations of liability survive termination.

Modifications

We may modify these Terms at any time by posting updated version on our website with new effective date. Material changes will be communicated through prominent notice. Your continued use after changes take effect constitutes acceptance of modified Terms.

Contact Information

For questions about these Terms or our services, please contact us using the details below:

Email Address: content@tiloravena.com

Phone Number: +61700845658

Office Address: 95 Pitt Street, Australia Square Plaza Building, Sydney, NSW 2000 Australia

Terms and Conditions