By creating an account, accessing our platform, or using any service provided by cendriavonex, you acknowledge that you have read, understood, and agree to these Terms of Use. These terms apply to all users, including visitors who browse without registration and registered members who actively use our financial management tools.

We reserve the right to update or modify these terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

cendriavonex provides financial management resources, educational content, and tools designed to assist with personal and business money handling. Our services include budgeting calculators, financial planning resources, and educational materials about money management practices.

Service Availability

We strive to maintain consistent service availability but cannot guarantee uninterrupted access. Scheduled maintenance, technical issues, or unforeseen circumstances may occasionally affect service delivery. We'll make reasonable efforts to notify users of planned maintenance when possible.

When using cendriavonex's services, you agree to certain responsibilities that help maintain a safe and functional environment for all users. These aren't just legal requirements but practical guidelines for getting the most from our platform.

Account Security

• Maintain the confidentiality of your login credentials
• Notify us immediately if you suspect unauthorized access to your account
• Use strong passwords and update them regularly
• Don't share your account access with others
• Log out from shared or public devices after use

Acceptable Use

You agree to use our services only for lawful purposes and in ways that don't infringe on the rights of others or restrict their use of our platform. Specifically, you agree not to:

• Attempt to gain unauthorized access to any part of our systems
• Use automated systems or software to extract data from our website
• Upload or transmit viruses, malware, or harmful code
• Impersonate other users or cendriavonex staff members
• Use our services for fraudulent activities or money laundering
• Violate any applicable local, state, national, or international law

Information Accuracy

You're responsible for providing accurate information when using our tools and calculators. While our resources can help with financial planning, their effectiveness depends on the accuracy of the data you input. We encourage regular reviews and updates of your information to maintain relevance.

All content on cendriavonex.com, including text, graphics, logos, images, software, and educational materials, is owned by cendriavonex or our content suppliers and protected by Australian and international intellectual property laws.

You may view, download, and print content from our website for personal, non-commercial use only. Any other use requires our prior written consent. This includes but isn't limited to reproduction, distribution, modification, or creation of derivative works.

Your privacy matters to us. We collect and process personal information in accordance with the Australian Privacy Principles and relevant data protection legislation. Our Privacy Policy, which forms part of these terms, explains in detail how we handle your information.

Data Collection

We collect information you provide directly, such as when you create an account, use our tools, or contact our support team. We also collect certain technical information automatically, including IP addresses, browser types, and usage patterns to improve our services.

Data Usage

Information collected is used to provide and improve our services, communicate with you about your account, and send relevant educational content when you've opted in. We don't sell your personal information to third parties.

To the fullest extent permitted by Australian law, cendriavonex and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

This includes but isn't limited to:

• Financial losses resulting from decisions made based on our educational content
• Errors or omissions in the information provided on our platform
• Service interruptions or technical difficulties
• Unauthorized access to your account due to circumstances beyond our control
• Third-party actions or content accessed through links on our website

Our total liability for any claim arising from these terms or your use of our services will not exceed the amount you paid to cendriavonex in the twelve months preceding the claim, or AUD $100, whichever is greater.

Some jurisdictions don't allow the exclusion of certain warranties or limitation of liability for incidental damages. In such cases, our liability will be limited to the maximum extent permitted by law.

Either party may terminate this agreement at any time. You can close your account by contacting our support team or using the account closure option in your settings. We reserve the right to suspend or terminate your access to our services if you violate these terms or engage in activities that could harm other users or our platform.

Effect of Termination

Upon termination, your right to use our services ceases immediately. We may retain certain information as required by law or for legitimate business purposes. Provisions of these terms that by their nature should survive termination will continue to apply, including intellectual property rights, liability limitations, and dispute resolution procedures.

These Terms of Use are governed by the laws of the Australian Capital Territory and the Commonwealth of Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of the Australian Capital Territory.

Dispute Resolution

Before initiating any legal proceedings, we encourage you to contact us to resolve issues informally. Many concerns can be addressed through direct communication with our support team. If informal resolution isn't successful, you agree to participate in good faith mediation before pursuing litigation.

Our website may contain links to third-party websites or services that aren't owned or controlled by cendriavonex. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

You acknowledge and agree that cendriavonex shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such third-party content, goods, or services. We recommend reviewing the terms and privacy policies of any third-party sites you visit.

You agree to defend, indemnify, and hold harmless cendriavonex and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your violation of these Terms of Use
• Your use or misuse of our services
• Your violation of any rights of another party
• Content you submit or transmit through our platform
• Any breach of your representations and warranties set forth in these terms

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms you agree to when using specific features, constitute the entire agreement between you and cendriavonex regarding your use of our services.

Severability

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible, and the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights. A waiver of any provision will only be effective if made in writing and signed by an authorized representative of cendriavonex.

Assignment

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