Effective Date: January 1, 2025
Last Updated: January 1, 2025
Agreement to Terms
By accessing and using the xavireloniq website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.
Description of Service
xavireloniq provides educational resources, tools, and content related to financial literacy, budgeting, and business development. Our platform is designed to help users improve their financial knowledge and make informed financial decisions.
Scope of Use
You may use our services for personal, non-commercial educational purposes. The content and tools provided are intended for informational and educational purposes only and should not be considered as professional financial advice.
Permitted Uses:
- Accessing educational content and resources
- Using provided tools for personal financial planning
- Sharing content with appropriate attribution
- Participating in community discussions
Prohibited Uses:
- Commercial redistribution of content without permission
- Unauthorized copying or reproduction of materials
- Using the service for illegal or harmful activities
- Attempting to gain unauthorized access to systems
- Disrupting service functionality or security
User Responsibilities
When using our services, you agree to:
- Provide accurate information when requested
- Use the service in compliance with applicable laws
- Respect the intellectual property rights of xavireloniq and third parties
- Not engage in activities that could harm other users or the service
- Keep any login credentials secure and confidential
Educational Nature of Content
All content, tools, and resources provided through xavireloniq are for educational purposes only. This information:
- Is not personalized financial advice
- Should not replace professional financial consultation
- May not be suitable for your specific financial situation
- Is subject to change without notice
You should consult with qualified financial professionals before making significant financial decisions.
Intellectual Property Rights
xavireloniq retains all rights, title, and interest in our original content, including but not limited to:
- Educational articles and blog posts
- Financial calculators and tools
- Graphics, illustrations, and visual elements
- Website design and functionality
- xavireloniq trademarks and branding
You may not reproduce, distribute, or create derivative works from our content without explicit written permission.
Limitation of Liability
To the fullest extent permitted by law, xavireloniq shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Financial losses resulting from use of our educational content
- Damages arising from service interruptions
- Loss of data or information
- Third-party actions or content
Our total liability for any claim related to the service shall not exceed the amount paid by you for the service in the 12 months preceding the claim.
Disclaimers
xavireloniq provides the service "as is" and "as available" without warranties of any kind, either express or implied. We specifically disclaim:
- Warranties of merchantability or fitness for a particular purpose
- Guarantees of accuracy, completeness, or timeliness of content
- Assurances of uninterrupted or error-free service operation
- Representations about third-party content or services
Security Testing
Security testing of our systems is only permitted with prior written authorization from xavireloniq. Unauthorized security testing, penetration testing, or vulnerability scanning is strictly prohibited and may result in legal action.
If you identify a security vulnerability, please report it responsibly to info@xavireloniq.com rather than exploiting or publicly disclosing it.
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.
Modifications to Service
We reserve the right to modify, suspend, or discontinue any aspect of our service at any time, with or without notice. We may also impose limits on certain features or restrict access to parts of the service.
Termination
We may terminate or suspend your access to the service immediately, without prior notice, for any reason, including if you breach these Terms of Service.
Upon termination, your right to use the service will cease immediately, but all provisions that by their nature should survive termination shall survive.
Governing Law
These Terms of Service are governed by and construed in accordance with the laws of Australia, without regard to conflict of law principles.
Dispute Resolution
Any disputes arising from these terms or your use of the service will be resolved through binding arbitration in Australia, except for claims that may be brought in small claims court.
Changes to Terms
We may update these Terms of Service from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the service after changes are posted constitutes acceptance of the new terms.
Severability
If any provision of these Terms of Service is found to be unenforceable, the remaining provisions will remain in full force and effect.
Contact Information
For questions about these Terms of Service, please contact us at:
Email: info@xavireloniq.com
Address: Operating remotely from Sydney, Australia. Physical address available on request.
Entire Agreement
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and xavireloniq regarding the use of our service.