Terms of Use

1. Acceptance of Terms

By accessing or using ethiravaliso's website, services, or platform (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms"). If you disagree with any part of these terms, then you may not access the Services. These Terms apply to all visitors, users, and others who access or use the Services.

Your access to and use of the Services is conditioned on your acceptance of and compliance with these Terms. We reserve the right to refuse service to anyone for any reason at any time. By continuing to use our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Description of Services

ethiravaliso operates a financial education and investment guidance platform designed to help users develop their understanding of financial markets and investment strategies. Our Services include educational content, market analysis, investment goal planning tools, and related financial literacy resources.

Educational Focus

All content provided through our Services is for educational purposes only. We focus on helping users develop financial literacy skills, understand market concepts, and learn about various investment approaches. Our platform does not provide personalized financial advice or guarantee any specific investment outcomes.

3. User Obligations and Responsibilities

As a user of our Services, you agree to use the platform responsibly and in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

• Provide accurate and complete information when creating an account
• Maintain the security of your login credentials
• Use the Services only for lawful purposes and in accordance with these Terms
• Respect intellectual property rights of all content on the platform
• Refrain from attempting to interfere with the proper functioning of the Services
• Report any security vulnerabilities or unauthorized access to your account
• Comply with all applicable local, state, and federal laws when using our Services

Prohibited Activities

You agree not to engage in any of the following prohibited activities: attempting to gain unauthorized access to our systems, transmitting viruses or malicious code, harassing other users, violating any applicable laws, or using the Services for any commercial purpose without our express written consent.

4. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

5. Intellectual Property Rights

The Services and their original content, features, and functionality are and will remain the exclusive property of ethiravaliso and its licensors. The Services are protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

User-Generated Content

Any content you submit, post, or display on or through the Services remains your property. However, by submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute such content in connection with operating and providing the Services.

6. Financial Disclaimers and Risk Warnings

Our Services provide educational content about financial topics and investment strategies. This information is not personalized financial advice and should not be considered as recommendations to buy or sell any specific securities or investments. You should always consult with qualified financial professionals before making investment decisions.

We do not guarantee the accuracy, completeness, or timeliness of any financial information provided through our Services. Market conditions can change rapidly, and investment strategies that may have been suitable in the past may not be appropriate for current or future market conditions.

7. Limitation of Liability

To the maximum extent permitted by applicable law, ethiravaliso shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Services.

In no event shall ethiravaliso's total liability to you for all damages, losses, and causes of action exceed the amount you have paid to ethiravaliso in the twelve months preceding the claim, or one hundred dollars (0), whichever is greater.

8. Indemnification

You agree to defend, indemnify, and hold harmless ethiravaliso, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Services.

9. Termination

We may terminate or suspend your account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Services will cease immediately.

If you wish to terminate your account, you may simply discontinue using the Services. All provisions of the Terms which by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Governing Law and Jurisdiction

These Terms shall be interpreted and governed by the laws of New South Wales, Australia, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of New South Wales, Australia, and you hereby consent to personal jurisdiction and venue in such courts.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Services and supersede and replace any prior agreements we might have had between us regarding the Services.

13. Contact Information