tivianetra

Acceptance of Terms

By accessing or using tivianetra's financial forecasting and budgeting platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to these terms, you must not use our services.

These terms constitute a legally binding agreement between you and tivianetra (ABN 12 345 678 901), located at Suite 10 Level 4/50 Reservoir St, Surry Hills NSW 2010, Australia. Your continued use of our services indicates your ongoing acceptance of any updates or modifications to these terms.

Service Description

tivianetra provides web-based financial forecasting and budgeting tools designed to help individuals and businesses manage their financial planning. Our services include but are not limited to:

Interactive budgeting and forecasting tools
Financial data analysis and reporting features
Educational resources and tutorials
Customer support and guidance
Integration capabilities with third-party financial institutions

Service Availability

We strive to maintain continuous service availability, but we cannot guarantee uninterrupted access. Scheduled maintenance, technical difficulties, or circumstances beyond our control may occasionally affect service availability. We will provide reasonable notice of planned maintenance when possible.

User Accounts and Registration

To access certain features of our platform, you must create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Requirements

You must be at least 18 years old to create an account
You must provide accurate and complete information during registration
You must promptly update your account information if it changes
You must not share your account credentials with others
You must notify us immediately of any unauthorized use of your account

Account Security

You acknowledge that you are solely responsible for maintaining the security of your account. We recommend using strong passwords and enabling two-factor authentication when available. tivianetra will not be liable for any losses resulting from unauthorized access to your account due to your failure to maintain adequate security.

Acceptable Use Policy

Your use of tivianetra services must comply with all applicable laws and regulations. You agree not to engage in any prohibited activities while using our platform.

Prohibited Activities

Using the service for any illegal or unauthorized purpose
Attempting to gain unauthorized access to our systems or other users' accounts
Distributing malware, viruses, or other harmful code
Engaging in activities that could damage, disable, or impair our services
Violating the rights of other users or third parties
Using automated tools to access the service without permission
Attempting to reverse engineer or decompile our software

We reserve the right to suspend or terminate accounts that violate these acceptable use guidelines. Repeat offenses or severe violations may result in permanent account closure and potential legal action.

Data Handling and Privacy

Your privacy is important to us. Our collection, use, and protection of your personal and financial data are governed by our Privacy Policy, which is incorporated into these terms by reference.

Data Collection and Use

We collect information necessary to provide our services, including financial data you input, usage patterns, and account information. This data helps us improve our services and provide personalized experiences. We do not sell your personal information to third parties.

Data Security

We implement industry-standard security measures to protect your data, including encryption, secure servers, and regular security audits. However, no system is completely secure, and you acknowledge that you provide information at your own risk.

Third-Party Integrations

Our platform may integrate with third-party financial institutions or services. Your use of these integrations is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party providers.

Payment Terms and Billing

Certain features of our platform require paid subscriptions. By subscribing to paid services, you agree to pay all applicable fees and charges.

Subscription Fees

Subscription fees are charged in advance on a recurring basis (monthly or annually, depending on your chosen plan). Fees are non-refundable except as expressly stated in these terms or required by law.

Price Changes

We may modify our pricing at any time. Price changes for existing subscriptions will take effect at the start of your next billing cycle, and we will provide at least 30 days' notice of any price increases.

Payment Processing

Payments are processed securely through third-party payment processors
You must provide accurate payment information
Failed payments may result in service suspension
You are responsible for any bank fees or charges related to payments

Intellectual Property Rights

tivianetra retains all rights, title, and interest in and to the platform, including all software, content, trademarks, and other intellectual property. Your use of our services does not grant you ownership rights to our intellectual property.

License to Use

We grant you a limited, non-exclusive, non-transferable license to use our platform for your personal or business financial management needs, subject to these terms. This license automatically terminates if you violate these terms.

User-Generated Content

You retain ownership of the financial data and content you input into our platform. By using our services, you grant us a license to process, store, and analyze this data solely for the purpose of providing our services to you.

Copyright Protection

Our platform and its content are protected by copyright laws. Unauthorized reproduction, distribution, or modification of our content is strictly prohibited and may result in legal action.

Disclaimers and Limitations of Liability

tivianetra provides financial tools and educational resources, but we do not provide professional financial advice. You should consult with qualified financial advisors before making significant financial decisions.

Service Disclaimers

Our services are provided "as is" without warranties of any kind
We do not guarantee the accuracy of financial calculations or projections
We are not responsible for financial decisions made based on our tools
Past performance data does not guarantee future results
Market conditions and personal circumstances can affect financial outcomes

Limitation of Liability

To the maximum extent permitted by law, tivianetra's total liability for any claims arising from your use of our services shall not exceed the amount you paid for the services in the 12 months preceding the claim. We are not liable for indirect, incidental, or consequential damages.

Australian Consumer Law

Nothing in these terms excludes, restricts, or modifies any consumer rights or remedies that cannot be excluded under the Australian Consumer Law or other applicable consumer protection legislation.

Termination and Account Closure

Either party may terminate this agreement at any time. You may cancel your account through your account settings or by contacting our support team.

User-Initiated Termination

You may terminate your account at any time. Upon termination, you will continue to have access to paid services until the end of your current billing period. No refunds will be provided for unused portions of prepaid services.

Company-Initiated Termination

We may suspend or terminate your account if you violate these terms, fail to pay required fees, or if we determine that termination is necessary to protect our services or other users. We will provide reasonable notice when possible.

Data Retention After Termination

After account termination, we may retain your data for a reasonable period to comply with legal obligations or resolve disputes. You may request data deletion subject to our legal and operational requirements.

Governing Law and Dispute Resolution

These terms are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of New South Wales.

Alternative Dispute Resolution

Before initiating legal proceedings, we encourage parties to attempt resolution through good faith negotiations. If direct negotiation fails, mediation through an appropriate Australian dispute resolution service may be considered.

Changes to Terms

We may update these terms periodically to reflect changes in our services or legal requirements. Material changes will be communicated through email notification and prominent notices on our platform.

Your continued use of our services after changes take effect constitutes acceptance of the updated terms. If you do not agree to changes, you should discontinue use of our services.

General Provisions

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy, constitute the complete agreement between you and tivianetra regarding your use of our services.

Assignment

You may not assign or transfer your rights under these terms without our written consent. We may assign these terms in connection with a merger, acquisition, or sale of assets.

Terms of Use

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