Terms and Conditions

Agreement to Terms

By using our website and services, you agree to these terms and conditions.

Your continued use constitutes acceptance of any updates to these terms.

Effective Date: July 3, 2025

Definitions

For the purposes of these terms:

• • Service: Refers to financial planning and investment advisory services provided by Xoliravion
• • User: Any individual or entity accessing our website or using our services
• • Content: All information, text, images, and materials available through our platform
• • Company: Xoliravion Financial Services Pty Ltd and its affiliates

Use License

We grant you a limited, non-exclusive license to access and use our website for its intended purposes.

This license does not permit you to:

• • Modify or copy our materials without permission
• • Use materials for commercial purposes without authorization
• • Remove copyright or proprietary notations
• • Transfer materials to another person or entity
• • Reverse engineer or attempt to extract source code

User Responsibilities

As a user of our services, you agree to:

• • Provide accurate and complete information
• • Maintain the confidentiality of your account credentials
• • Use our services in compliance with applicable laws
• • Notify us promptly of any unauthorized account access
• • Respect intellectual property rights of all content

Prohibited Uses

You may not use our services for:

• • Any unlawful purpose or to solicit unlawful acts
• • Violating any international, federal, provincial, or state regulations or laws
• • Infringing upon or violating our intellectual property rights
• • Harassing, abusing, insulting, harming, defaming, slandering, disparaging, intimidating, or discriminating
• • Submitting false or misleading information
• • Uploading viruses or any other type of malicious code

Intellectual Property

All intellectual property rights in our website and services remain our exclusive property.

Unauthorized use of our intellectual property may result in legal action.

Privacy Policy

Your privacy is important to us. Our privacy policy explains how we collect, use, and protect your information.

Please review our Privacy Policy for detailed information. Privacy Policy

Disclaimers

Our services are provided subject to the following disclaimers:

Limitation of Liability

Our liability is limited to the maximum extent permitted by law.

In no event shall our total liability exceed the amount paid for services in the preceding 12 months.

Indemnification

You agree to indemnify us against any claims arising from your use of our services.

Termination

We may terminate or suspend access to our services at any time for any reason.

Upon termination, your right to use our services ceases immediately.

Dispute Resolution

We are committed to resolving disputes fairly and efficiently:

Governing Law

These terms are governed by the laws of New South Wales, Australia.

Any legal proceedings must be brought in New South Wales courts.

Severability

If any provision is unenforceable, the remaining provisions remain in full effect.

Entire Agreement

These terms constitute the entire agreement between you and Xoliravion regarding use of our services.

Policy Changes

We may revise these terms at any time by posting updated terms on our website.

Continued use after changes constitutes acceptance of new terms.

Contact Information

For questions about these terms, please contact us during business hours: