Terms of Use

Agreement to Terms

By accessing and using the fenoravixulo financial platform at fenoravixulo.sbs, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and fenoravixulo. If you do not agree with any part of these terms, you must discontinue use of our platform immediately.

We may modify these terms at any time without prior notice. Your continued use of the platform following any changes indicates your acceptance of the new terms. It is your responsibility to review these terms periodically for updates.

Service Description

fenoravixulo provides educational resources and tools focused on budgeting basics and personal finance management. Our platform offers learning materials designed to help users develop financial literacy skills. We do not provide financial advice, investment recommendations, or guarantee any specific financial outcomes.

User Obligations and Conduct

As a user of our platform, you agree to maintain the highest standards of conduct. You are responsible for all activities that occur under your account and must ensure that your use of our services complies with all applicable laws and regulations.

• Provide accurate and truthful information when creating accounts or profiles
• Maintain the confidentiality of your login credentials and account information
• Use our platform solely for lawful purposes and in accordance with these terms
• Respect the intellectual property rights of fenoravixulo and third parties
• Refrain from attempting to gain unauthorized access to our systems or other user accounts
• Report any suspected security breaches or unauthorized use immediately

Prohibited Activities

The following activities are strictly prohibited on our platform and may result in immediate termination of your access:

1. Uploading, posting, or transmitting any content that is unlawful, harmful, threatening, abusive, defamatory, or otherwise objectionable
2. Attempting to interfere with, disrupt, or damage our platform or servers through any means including viruses, malware, or excessive requests
3. Using automated systems, bots, or scripts to access our services without explicit written permission
4. Engaging in any form of harassment, discrimination, or inappropriate behavior toward other users
5. Attempting to reverse engineer, decompile, or extract source code from our platform
6. Using our services to distribute spam, promotional materials, or unsolicited communications

Intellectual Property Rights

All content, materials, and resources available on the fenoravixulo platform, including but not limited to text, graphics, logos, images, software, and educational materials, are the exclusive property of fenoravixulo or our licensors. These materials are protected by Australian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes only. This license does not permit you to copy, distribute, modify, or create derivative works based on our content without explicit written permission.

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable privacy laws, including the Australian Privacy Principles under the Privacy Act 1988. By using our platform, you consent to the collection and use of your information as outlined in our Privacy Policy.

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Disclaimers and Limitations

fenoravixulo provides educational content and tools on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of our content. Educational materials may become outdated, and financial information should always be verified with current sources.

Important Financial Disclaimer: Our platform provides general educational information about budgeting and personal finance. This information is not intended as specific financial advice and should not be relied upon for making financial decisions. Individual financial circumstances vary significantly, and we strongly recommend consulting with qualified financial advisors before making important financial decisions.

Liability Limitations

To the maximum extent permitted by law, fenoravixulo shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

Our total liability to you for any claims arising from these terms or your use of our platform shall not exceed the amount you have paid to us in the twelve months preceding the claim, or AUD 0, whichever is greater.

Account Termination

We reserve the right to suspend or terminate your account at any time, with or without cause, and with or without notice. Grounds for termination may include violation of these terms, suspicious or fraudulent activity, or extended periods of inactivity.

Upon termination, your right to access and use our platform will cease immediately. We may, at our discretion, delete your account data and any associated content. You remain responsible for any obligations incurred prior to termination.

Governing Law and Dispute Resolution

These Terms of Use are governed by and construed in accordance with the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our platform shall be subject to the exclusive jurisdiction of the courts of New South Wales.

Before pursuing formal legal action, we encourage users to contact us directly to resolve disputes amicably. Many concerns can be addressed through open communication and mutual understanding.

Severability and Entire Agreement

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and fenoravixulo regarding your use of our platform.

No waiver of any term or condition shall be deemed a continuing waiver of such term or any other term. Our failure to assert any right or provision under these terms does not constitute a waiver of such right or provision.