These Terms of Service ("Terms") govern your access to and use of the cavenyliro website and services. By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
About cavenyliro
cavenyliro operates as a financial literacy and business development platform, providing educational resources, budgeting tools, business guidance, and financial analysis services to individuals and businesses across Australia.
Acceptance of Terms
By accessing our website, using our services, or providing information through our contact forms, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms apply to all users, visitors, and others who access or use our services.
Description of Services
cavenyliro provides:
- Financial literacy educational resources and content
- Budget management tools and templates
- Business development guidance and strategies
- Financial analysis services and insights
- Consultation and advisory services
- Online resources, blog articles, and educational materials
Our services are intended for informational and educational purposes. They do not constitute personalised financial advice unless explicitly provided through our consultation services.
User Responsibilities and Acceptable Use
Lawful Use
You agree to use our website and services only for lawful purposes and in accordance with these Terms. You must not use our services:
- In any way that violates applicable laws or regulations
- To transmit or distribute harmful, offensive, or inappropriate content
- To interfere with or disrupt our website or servers
- To attempt unauthorized access to any part of our services
- For any commercial purpose without our express written consent
Information Accuracy
You are responsible for ensuring that any information you provide to us is accurate, current, and complete. You must promptly update any information that becomes inaccurate or outdated.
Security Testing Prohibition
You must not attempt to test the security of our website, systems, or network without explicit written authorization from cavenyliro. Unauthorized security testing, including but not limited to penetration testing, vulnerability scanning, or probing, is strictly prohibited and may result in legal action.
Intellectual Property Rights
Our Content
All content on our website, including text, graphics, logos, images, software, and other materials, is the property of cavenyliro or our licensors and is protected by copyright, trademark, and other intellectual property laws.
Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for personal, non-commercial purposes. This license does not permit you to:
- Reproduce, modify, or distribute our content without permission
- Use our content for commercial purposes
- Remove or alter any copyright, trademark, or other proprietary notices
- Create derivative works based on our content
User-Generated Content
If you submit any content to us (such as through contact forms or communications), you grant us a non-exclusive, royalty-free license to use, reproduce, and display such content for the purpose of providing our services and improving our offerings.
Disclaimers and Limitations
No Financial Advice Guarantee
The information and resources provided on our website are for educational and informational purposes only. They do not constitute professional financial advice tailored to your specific circumstances. You should consult with qualified financial advisors before making financial decisions.
No Guarantees
We make no warranties or guarantees regarding:
- The accuracy, completeness, or timeliness of our content
- The results or outcomes you may achieve using our services
- The continuous availability of our website or services
- The absence of errors or interruptions in our services
Limitation of Liability
To the maximum extent permitted by law, cavenyliro and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits, revenue, or business opportunities
- Loss of data or information
- Financial losses resulting from your use of our services
- Any other damages arising from your use of our website or services
Our total liability to you for any claims arising from or related to these Terms or our services shall not exceed the amount you paid to us for services in the 12 months preceding the claim.
Indemnification
You agree to indemnify, defend, and hold harmless cavenyliro and its directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your infringement of any third-party rights
- Any content you submit or transmit through our services
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
Third-Party Services
Our website may contain links to third-party websites or integrate with third-party services (such as Formspree for contact form processing). We are not responsible for the content, privacy practices, or terms of service of these third parties. Your interactions with third-party services are governed by their respective terms and policies.
Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the modified Terms. We recommend reviewing these Terms periodically for updates.
Termination
We may terminate or suspend your access to our website and services at any time, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to access and use our services will cease immediately.
Governing Law and Jurisdiction
These Terms are governed by the laws of Australia, without regard to conflict of law principles. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Australia.
Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and cavenyliro regarding your use of our website and services. They supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and cavenyliro.
Contact Information
If you have questions about these Terms of Service, please contact us:
- Company: cavenyliro
- Email: info@cavenyliro.com
- Location: Operating remotely from Sydney, Australia. Physical address available on request.
Acknowledgment
By using our website and services, you acknowledge that you have read these Terms of Service, understand them, and agree to be bound by them. If you do not agree to these Terms, please discontinue use of our website and services immediately.