jovareliquo - Personalized Financial Planning Solutions for Your Future

Acceptance of Terms

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our website or services. Your continued use constitutes ongoing acceptance of these terms as they may be modified from time to time.

Definitions

For purposes of these Terms and Conditions, the following definitions apply:

Services refers to the financial planning consultations, analytical reviews, and related guidance provided by jovareliquo to clients through in-person meetings, video conferences, or other communication channels we offer.

Website means the jovareliquo.com website and all associated subdomains, pages, features, and functionality accessible through our online platform.

User, you, or your refers to any individual or entity accessing our website or engaging our consultation services, including both prospective and current clients of jovareliquo.

We, us, or our refers to jovareliquo and its consultants, employees, contractors, and affiliated entities.

Use of Services

Our services are provided for informational and consulting purposes. You agree to use our website and services in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of any account credentials and for all activities under your account.

Eligibility

You must be at least eighteen years old to use our services. By using our website or engaging our consultation services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into binding agreements.

Services are intended for residents of Australia unless otherwise specified.

User Responsibilities

When using our website and services, you agree to the following responsibilities:

Provide accurate, current, and complete information during consultations and in all communications with our team.

Maintain the confidentiality of any sensitive information shared during consultations and not disclose proprietary analytical methods or materials.

Use our services for lawful purposes only and refrain from any activities that could harm our systems or interfere with other users.

Notify us promptly of any changes to your contact information or circumstances that may affect our consultations or recommendations.

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

Copying, reproducing, distributing, or creating derivative works from our website content, analytical materials, or proprietary consultation frameworks without written permission.

Using our services to engage in any fraudulent, deceptive, or unlawful activities or to misrepresent your identity or affiliation.

Attempting to gain unauthorized access to our systems, networks, or accounts, or interfering with the proper functioning of our website.

Collecting or harvesting information about other users, or using automated systems to access our website without authorization.

Impersonating any person or entity, or falsely stating or misrepresenting your relationship with any person or organization.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, analytical frameworks, and consultation materials, is the property of jovareliquo and protected by Australian and international intellectual property laws. You may not use, reproduce, or distribute our intellectual property without express written permission. Any unauthorized use may violate copyright, trademark, and other laws.

User Generated Content

Any information, feedback, or materials you provide to us during consultations or through our website may be used by us to improve our services. You retain ownership of your personal information, but grant us a license to use feedback and suggestions.

License Grant for Feedback

By providing feedback, suggestions, or testimonials, you grant jovareliquo a perpetual, worldwide, royalty-free license to use, reproduce, and incorporate such feedback into our services and marketing materials, subject to applicable privacy laws.

Privacy and Data Protection

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. We are committed to protecting your privacy in accordance with Australian privacy laws and regulations. Please review our Privacy Policy to understand our data practices.

View Privacy Policy

Service Disclaimers

Please carefully review the following important disclaimers about our services:

No Guarantee Disclaimer

Our consultations and analytical reviews are provided for informational purposes and do not constitute financial advice. We make no guarantees, promises, or warranties regarding outcomes or results from implementing any approaches discussed during consultations. Results may vary based on individual circumstances.

Limitation of Liability

To the maximum extent permitted by Australian law, jovareliquo shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services or website, including financial losses resulting from decisions made based on our consultations.

Indemnification

You agree to indemnify, defend, and hold harmless jovareliquo, its consultants, employees, and affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Dispute Resolution

In the event of disputes arising from these terms or our services, the following process applies:

Arbitration

Any disputes that cannot be resolved through direct negotiation shall be submitted to binding arbitration in accordance with the rules of the Australian Centre for International Commercial Arbitration. The arbitration shall take place in Sydney, New South Wales.

By agreeing to arbitration, you waive your right to participate in class action lawsuits or class-wide arbitration.

Online Dispute Resolution

For disputes related to online transactions, Australian residents may access online dispute resolution platforms provided by government consumer protection agencies. We are committed to participating in good faith dispute resolution processes.

Australian Consumer Law Information

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. Invalid provisions shall be modified minimally to make them enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and jovareliquo regarding use of our website and services, superseding any prior agreements or understandings.

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of New South Wales, Australia. Any legal proceedings shall be conducted in the courts of New South Wales.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, with or without notice, for violations of these terms or for any other reason we deem appropriate. Upon termination, your right to use our services ceases immediately.

Modifications

We reserve the right to modify these Terms and Conditions at any time. Changes become effective immediately upon posting to our website. Your continued use after modifications constitutes acceptance of the updated terms. We encourage you to review these terms periodically.

Questions About Terms

If you have questions or concerns about these Terms and Conditions, please contact us using the information below.

Email Address: content@jovareliquo.com

Phone: +61 8 4019 4989

Office: Level 21, 345 Queen Street, Brisbane, QLD 4000 Australia

Terms and Conditions of Service