Terms of Use
These terms govern your use of xilavonero's budgeting education platform and services. Please read them carefully as they contain important information about your rights and obligations.
Last Updated: January 15, 2025
These terms are effective as of January 15, 2025 and apply to all users of our services
Acceptance of Terms
By accessing or using xilavonero's budgeting education platform at xilavonero.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our services.
These terms constitute a legally binding agreement between you and xilavonero. Your continued use of our platform following any changes to these terms will be deemed acceptance of those changes.
Description of Services
xilavonero provides educational content, tools, and resources focused on budgeting basics and financial literacy. Our services include:
- Educational articles and guides on budgeting fundamentals
- Interactive learning materials and worksheets
- Budgeting templates and planning tools
- Community resources and learning tips
- Email newsletters with financial education content
Educational Purpose
Our content is designed for educational purposes only and should not be considered professional financial advice. Always consult with qualified financial advisors for personalized guidance.
User Accounts and Registration
Account Creation
To access certain features of our platform, you may need to create an account. You must provide accurate, current, and complete information during registration and maintain the accuracy of this information.
Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorised use of your account.
- Choose a strong, unique password for your account
- Do not share your login credentials with others
- Log out of your account when using shared devices
- Report suspicious account activity immediately
User Responsibilities and Conduct
When using our platform, you agree to conduct yourself in a manner that is lawful, respectful, and consistent with these terms. You are prohibited from:
- Using our services for any unlawful purpose or in violation of applicable laws
- Attempting to gain unauthorised access to our systems or other user accounts
- Transmitting viruses, malware, or other harmful code
- Harassing, threatening, or abusing other users or our staff
- Posting false, misleading, or defamatory content
- Violating the intellectual property rights of others
- Using automated systems to access our platform without permission
Violation of these conduct requirements may result in immediate suspension or termination of your account and access to our services.
Intellectual Property Rights
Our Content
All content on our platform, including text, graphics, logos, images, software, and other materials, is owned by xilavonero 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 content for personal, non-commercial educational purposes only. This license does not include the right to:
- Modify, distribute, or create derivative works from our content
- Use our content for commercial purposes without written permission
- Remove copyright notices or other proprietary markings
- Reverse engineer or attempt to extract source code
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 forms an integral part of these terms.
Data Collection Notice
We collect and process personal information in accordance with Australian privacy laws. This includes information you provide directly and data collected through your use of our platform.
By using our services, you consent to the collection and use of your information as described in our Privacy Policy. You have the right to access, correct, or request deletion of your personal data in accordance with applicable privacy laws.
Disclaimers and Limitations
Educational Content Disclaimer
The information provided through our platform is for educational purposes only and should not be considered professional financial, legal, or tax advice. We make no representations about the accuracy, completeness, or suitability of this information for your specific circumstances.
No Warranties
Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure.
- We disclaim all warranties regarding merchantability and fitness for a particular purpose
- We do not guarantee specific results from using our educational materials
- Third-party links and content are provided for convenience only
- Technical issues may occasionally affect service availability
Limitation of Liability
To the maximum extent permitted by law, xilavonero shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.
Our total liability to you for all claims arising from or relating to these terms or your use of our services shall not exceed the amount you have paid us in the twelve months preceding the claim, or AUD $100, whichever is greater.
Australian Consumer Law
Nothing in these terms excludes, restricts, or modifies any guarantee, warranty, term, or condition implied by the Competition and Consumer Act 2010 or any other applicable consumer protection legislation that cannot be excluded, restricted, or modified.
Termination
Either party may terminate your access to our services at any time, with or without cause or notice. Upon termination:
- Your right to access and use our services will immediately cease
- We may delete your account and associated data
- Provisions regarding intellectual property and liability will survive termination
- You remain liable for any outstanding obligations
We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited conduct.
Governing Law and Dispute Resolution
Applicable Law
These terms are governed by and construed in accordance with the laws of New South Wales, Australia. Any legal proceedings arising from these terms will be subject to the exclusive jurisdiction of the courts of New South Wales.
Dispute Resolution Process
Before pursuing formal legal action, we encourage you to contact us directly to resolve any disputes. We are committed to working with users to address concerns in good faith.
Changes to Terms
We may update these terms from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes, we will:
- Post the updated terms on our website with a revised effective date
- Send notification to registered users via email
- Provide reasonable notice before changes take effect
- Highlight significant modifications in our communications
Your continued use of our services after the effective date of any changes constitutes your acceptance of the revised terms.
Miscellaneous Provisions
Severability
If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.
Entire Agreement
These terms, together with our Privacy Policy, constitute the entire agreement between you and xilavonero regarding your use of our services.
Assignment
You may not assign or transfer your rights under these terms without our prior written consent. We may assign our rights and obligations without restriction.
Questions About These Terms?
If you have questions about these Terms of Use, please contact us:
Email: help@xilavonero.com
Phone: +61 478 835 004
Address: 23 Torrington Rd, Maroubra NSW 2035, Australia