Terms of Service

1. Acceptance of Terms

By accessing and using the porivalyntos website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

porivalyntos provides financial literacy education, budgeting tools, and business development guidance through our online platform. Our services include educational content, tools, resources, and consultation services designed to improve financial knowledge and decision-making capabilities.

3. Scope of Use

3.1 Permitted Use

You may use our services for:

• Personal financial education and development
• Business planning and financial analysis
• Accessing educational resources and tools
• Participating in courses and training programs

3.2 Prohibited Use

You may not use our services to:

• Provide financial advice to third parties without proper licensing
• Redistribute or resell our content without permission
• Attempt to reverse engineer or copy our proprietary tools
• Engage in any unlawful or harmful activities
• Violate any applicable laws or regulations

4. User Responsibilities

4.1 Lawful Use

You agree to use our services in compliance with all applicable Australian and international laws and regulations. You are responsible for ensuring your use of our services does not violate any legal requirements in your jurisdiction.

4.2 Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

4.3 Accurate Information

You agree to provide accurate, current, and complete information when using our services and to update such information to maintain its accuracy.

5. Educational Nature of Content

5.1 No Financial Advice

Our content and services are for educational purposes only and do not constitute financial advice. We do not provide personalized financial recommendations or investment advice. You should consult with qualified financial professionals before making financial decisions.

5.2 No Guarantees

While we strive to provide accurate and up-to-date information, we make no warranties or guarantees about the completeness, accuracy, or suitability of our content for any particular purpose. Financial outcomes depend on individual circumstances and decisions.

6. Intellectual Property Rights

6.1 Our Content

All content, materials, courses, tools, and resources provided through our services are protected by copyright and other intellectual property laws. We retain all rights to our proprietary content.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for your personal or business educational purposes. This license does not include the right to redistribute, resell, or commercially exploit our content.

6.3 User Content

Any content you submit through our services remains your property. However, by submitting content, you grant us a license to use it for the purpose of providing our services and improving our platform.

7. Limitation of Liability

To the fullest extent permitted by law:

• porivalyntos shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claims shall not exceed the amount you paid for our services in the preceding 12 months
• We are not responsible for financial decisions you make based on our educational content
• We are not liable for any losses resulting from technical issues, service interruptions, or third-party actions

8. 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 is incorporated into these terms by reference.

9. Service Availability

We strive to maintain high service availability but cannot guarantee uninterrupted access. We may suspend or modify our services for maintenance, updates, or other operational reasons. We are not liable for any inconvenience or losses resulting from service interruptions.

10. Payment Terms

10.1 Fees and Billing

Some of our services may require payment. All fees are clearly disclosed before purchase. Payments are processed securely through our payment providers.

10.2 Refund Policy

Refund terms vary by service and are clearly communicated at the time of purchase. Generally, we offer refunds within 30 days for digital services, subject to fair use policies.

11. Termination

11.1 By You

You may stop using our services at any time. If you have a paid account, cancellation terms will apply as specified in your service agreement.

11.2 By Us

We may suspend or terminate your access to our services if you violate these terms or engage in activities that harm our platform or other users.

12. Security Testing

Security testing of our systems is only permitted with explicit written authorization from porivalyntos. Unauthorized security testing, including vulnerability scanning or penetration testing, is strictly prohibited and may result in legal action.

13. Changes to Terms

We may update these Terms of Service periodically. Significant changes will be communicated through our website or by email. Your continued use of our services after changes are posted constitutes acceptance of the updated terms.

14. Governing Law

These terms are governed by the laws of Australia. Any disputes will be resolved in the appropriate courts of Australia.

15. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.

16. Contact Information

If you have questions about these Terms of Service, please contact us:

• Email: info@porivalyntos.com
• Website: porivalyntos.com
• Address: Operating remotely from Sydney, Australia. Physical address available on request.

17. Effective Date

These Terms of Service are effective as of January 1, 2025, and will remain in effect until updated or replaced.