nivalorionos terms and conditions statement
These terms govern your use of our website and services. Please read carefully before proceeding. By accessing or using our site, you agree to these terms.
October 1, 2025
Acceptance of terms
By using nivalorionos.com, you agree to comply with these terms. If you disagree, please do not use our site or services. These terms form a legal contract between you and nivalorionos.
Definitions
Key terms used in these terms and conditions are defined below for clarity.
"Site" refers to nivalorionos.com and all related web pages operated by nivalorionos.
"Services" means all financial planning solutions, consultations, and related support provided by nivalorionos.
"User" means any individual who accesses or uses the site or services, whether as a client or visitor.
"Content" includes all information, text, graphics, and materials available on the site.
Service usage
You may use our site and services only for lawful purposes and in accordance with these terms. Misuse or unauthorised access is prohibited.
Eligibility
Our services are available to individuals and businesses in Australia who are at least 18 years of age.
Proof of age or identity may be required.
User responsibilities
Users must provide accurate information and comply with all relevant laws and regulations.
Prohibited uses
The following activities are not allowed:
Intellectual property rights
All content on this site is owned by or licensed to nivalorionos. You may not copy, reproduce, or distribute content without our permission. Trademarks, logos, and service marks displayed are our property or that of their respective owners.
User-generated content
Users are responsible for any content they submit to the site. We reserve the right to remove inappropriate material.
Rights to user content
By submitting content, you grant us a license to use, display, or modify that content for site operation and improvement.
Privacy and data protection
Your privacy is important to us. Please review our privacy policy to understand how we collect, use, and protect your information. By using our site, you consent to our data practices.
View privacy policyDisclaimer of warranties and liability
This site is provided on an "as is" basis. No warranties are given regarding accuracy, completeness, or availability.
Important disclaimer notice
We do not guarantee specific results or outcomes. Past performance does not guarantee future results. Use this site at your own risk.
Limitation of liability
We are not liable for any losses or damages arising from your use of our site or services, except as required by law.
Indemnification
You agree to indemnify and hold nivalorionos harmless from any claims or damages resulting from your breach of these terms.
Dispute resolution process
Any disputes will be resolved in accordance with Australian law.
Arbitration
Disputes may be referred to confidential arbitration in Australia. The decision of the arbitrator will be final and binding.
Arbitration does not apply where prohibited by law.
Online dispute resolution
You may use an online dispute resolution platform to resolve consumer disputes.
See ODR platform detailsSeverability
If any term is found invalid, remaining provisions remain in effect.
Entire agreement
These terms, together with our privacy policy, form the entire agreement between you and nivalorionos.
Applicable law and jurisdiction
These terms are governed by the laws of Australia. Jurisdiction is in Australian courts.
Termination
We may terminate access to the site or services at any time for breach of these terms or other lawful reasons.
Modifications
We may update these terms at any time. Changes are effective upon posting on this site.
Contact details
For questions about these terms, please contact our team.
Email address: content@nivalorionos.com
Phone number: +61.8.1180.2645
Office address: 113 Exhibition St, Melbourne, VIC 3000 Australia
Effective date: October 1, 2025
Version: v3