Terms of Use
cariolentiva Financial Services Platform
1. Acceptance of Terms
By accessing and using the cariolentiva financial platform (cariolentiva.com), 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 cariolentiva Financial Services. If you do not agree with any part of these terms, you must discontinue use of our platform immediately.
Your continued use of our services following any modifications to these terms constitutes acceptance of such changes. We recommend reviewing these terms periodically to stay informed of any updates.
2. Service Description and Limitations
cariolentiva provides educational resources and tools designed to support financial decision-making processes. Our platform offers learning materials, calculators, and informational content to help users better understand financial concepts and strategies.
cariolentiva does not provide personalised financial advice, investment recommendations, or guarantee any specific financial outcomes. All content is for educational purposes only and should not be construed as professional financial guidance.
Service Availability
- Platform access is subject to scheduled maintenance and technical requirements
- Service interruptions may occur due to circumstances beyond our reasonable control
- We reserve the right to modify or discontinue features with reasonable notice
- Content updates and improvements are ongoing and may affect user experience
3. User Responsibilities and Obligations
As a user of our platform, you agree to maintain the confidentiality of your account credentials and accept responsibility for all activities that occur under your account. You must provide accurate and complete information during registration and keep this information current.
Prohibited Activities
- Attempting to gain unauthorised access to any portion of our platform or systems
- Using our services for any unlawful purpose or in violation of applicable regulations
- Interfering with the proper functioning of our platform or other users' access
- Reproducing, distributing, or commercially exploiting our proprietary content
- Creating multiple accounts or sharing account access with unauthorised parties
- Submitting false or misleading information through our platform
Content Standards
Any content you submit through our platform must comply with applicable laws and our community standards. You retain ownership of your submitted content but grant cariolentiva a license to use such content for service delivery and improvement purposes.
4. Privacy and Data Protection
Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy and applicable Australian privacy legislation, including the Privacy Act 1988. By using our services, you consent to our data collection and processing practices as outlined in our Privacy Policy.
Information Collection and Use
- Personal information is collected for service provision and platform improvement
- Usage data helps us understand user preferences and optimise our offerings
- Communication preferences can be managed through your account settings
- Third-party integrations are subject to their respective privacy policies
We implement appropriate security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. However, no internet-based service can guarantee complete security, and you acknowledge this inherent risk.
5. Intellectual Property Rights
All content, features, and functionality on our platform, including but not limited to text, graphics, logos, software, and design elements, are owned by cariolentiva or our licensors and are protected by Australian and international copyright, trademark, and other intellectual property laws.
Permitted Use
You may access and use our content for personal, non-commercial purposes in accordance with these terms. Any other use requires our express written permission. Educational institutions may request permission for limited classroom use of our materials.
User-Generated Content
Content you create or submit through our platform remains your intellectual property, but you grant cariolentiva a non-exclusive, royalty-free license to use, modify, and display such content for service operation and improvement purposes.
6. Financial Disclaimers and Risks
Financial markets and investment decisions carry inherent risks. Past performance does not indicate future results, and all financial decisions should be made based on your individual circumstances and risk tolerance.
All financial products and markets involve risk of loss. You should consider seeking independent financial advice before making any investment decisions based on information obtained through our platform.
Educational Purpose Only
- Platform content is designed for educational and informational purposes
- No content should be interpreted as specific investment advice
- Market conditions and regulations change frequently
- Professional consultation is recommended for significant financial decisions
7. Limitation of Liability
To the maximum extent permitted by Australian law, cariolentiva excludes all warranties, representations, and guarantees regarding our platform and services. We do not warrant that our services will be uninterrupted, error-free, or completely secure.
Our liability for any claims arising from your use of our platform is limited to the amount you have paid for our services in the twelve months preceding the claim. This limitation applies to all types of damages, whether direct, indirect, incidental, or consequential.
Exceptions
Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under Australian consumer protection law.
8. Termination and Account Management
Either party may terminate this agreement at any time. You may close your account through your account settings or by contacting our support team. We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited activities.
Effect of Termination
- Access to premium features and content will cease immediately
- Personal data will be handled according to our data retention policies
- Certain provisions of these terms will survive termination
- Outstanding obligations remain enforceable after termination
9. Governing Law and Dispute Resolution
These terms are governed by the laws of Queensland, Australia. Any disputes arising from these terms or your use of our platform will be subject to the exclusive jurisdiction of the Queensland courts.
Alternative Dispute Resolution
Before initiating formal legal proceedings, we encourage users to contact our support team to resolve disputes through good faith negotiations. Many concerns can be addressed through direct communication.
10. Modifications and Updates
We may update these terms periodically to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated through email notification or prominent platform notices at least 30 days before taking effect.
Your continued use of our platform after term modifications constitutes acceptance of the updated terms. If you disagree with any changes, you may terminate your account before the changes become effective.
Notification Methods
- Email notifications to your registered address
- In-platform announcements and banners
- Updated version dates on this terms page
- Account dashboard notifications for significant changes