1. Acceptance of Terms

By accessing fervosio.com and using our financial decision-making resources, you confirm that you're at least 18 years old and legally capable of entering into binding contracts under Australian law. These terms apply to all visitors, users, and others who access our service.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to this page. Your continued use of the service after changes are posted constitutes acceptance of those changes. We recommend reviewing this page periodically.

2. Service Description

fervosio provides educational resources and tools designed to support informed financial decision-making. Our services include articles, guides, calculators, and analytical tools focused on personal and business finance.

What We Provide

• Educational content about financial planning and decision-making strategies
• Tools and calculators for financial analysis and comparison
• Market insights and trend analysis relevant to Australian financial contexts
• Resources to help evaluate different financial options and approaches

3. User Responsibilities

When using our services, you agree to:

• Provide accurate information when creating accounts or using our tools
• Maintain the security of your account credentials and notify us immediately of unauthorized access
• Use the service only for lawful purposes and in accordance with these terms
• Respect intellectual property rights and not reproduce content without permission
• Refrain from attempting to gain unauthorized access to any portion of the service
• Not use automated systems or software to extract data without written consent
• Avoid uploading viruses, malware, or any code designed to disrupt service functionality

You're responsible for all activity that occurs under your account. We're not liable for any loss or damage arising from your failure to maintain account security.

4. Intellectual Property Rights

All content on fervosio.com, including text, graphics, logos, images, software, and data compilations, is the property of fervosio or its content suppliers and protected by Australian and international copyright laws.

Your License to Use Content

We grant you a limited, non-exclusive, non-transferable license to access and use our service for personal, non-commercial purposes. This license doesn't include rights to:

• Modify or copy materials except as necessary for personal use
• Use materials for commercial purposes or public display
• Remove copyright or proprietary notations from materials
• Transfer materials to another person or mirror content on other servers

If you want to use our content in ways not covered by this license, contact us at help@fervosio.com to discuss permissions.

5. Disclaimer of Warranties

Our service is provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by Australian law, fervosio disclaims all warranties, including:

• Implied warranties of merchantability and fitness for particular purposes
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that the service will be uninterrupted, secure, or error-free
• Warranties regarding results obtained from using the service

Financial markets and regulations change frequently. While we strive to keep information current, we don't warrant that all content reflects the most recent developments. Some information may be outdated between updates.

6. Limitation of Liability

To the maximum extent permitted by Australian law, fervosio and its directors, employees, partners, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

• Your use or inability to use the service
• Financial decisions made based on information from our service
• Unauthorized access to or alteration of your data
• Third-party conduct or content on the service
• Any other matter relating to the service

Our total liability to you for all claims arising from your use of the service shall not exceed the amount you paid to access the service in the twelve months preceding the claim, or AUD 0, whichever is greater.

Some jurisdictions don't allow limitations on implied warranties or exclusion of certain damages. If these laws apply to you, some or all of the above disclaimers or limitations may not apply, and you may have additional rights.

7. Third-Party Links and Content

Our service may contain links to third-party websites or services that aren't owned or controlled by fervosio. 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 fervosio shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party sites or services that you visit.

8. User-Generated Content

If you submit comments, feedback, suggestions, or other content to fervosio, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, adapt, publish, and distribute such content in any media.

You represent and warrant that:

• You own or control all rights to the content you submit
• The content is accurate and not misleading
• Use and posting of the content doesn't violate these terms or any laws
• The content doesn't infringe any third-party rights

We reserve the right to remove any content that violates these terms or that we find objectionable for any reason, without notice.

9. Privacy and Data Protection

Your use of our service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our service, you consent to such processing and warrant that all data provided by you is accurate.

We comply with the Australian Privacy Principles outlined in the Privacy Act 1988 and take reasonable steps to protect your personal information from misuse, loss, and unauthorized access.

10. Termination

We may terminate or suspend your access to our service immediately, without prior notice or liability, for any reason, including breach of these terms.

Upon termination, your right to use the service will immediately cease. If you wish to terminate your account, you may discontinue using the service or contact us at help@fervosio.com.

All provisions of the terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Indemnification

You agree to defend, indemnify, and hold harmless fervosio and its licensors, employees, contractors, agents, officers, and directors from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from:

• Your use of and access to the service
• Your violation of any term of these terms
• Your violation of any third-party right, including intellectual property or privacy rights
• Any claim that your content caused damage to a third party

This defense and indemnification obligation will survive these terms and your use of the service.

12. Governing Law and Dispute Resolution

These terms shall be governed by and construed in accordance with the laws of Victoria, Australia, without regard to its conflict of law provisions.

Any disputes arising from these terms or your use of the service shall be resolved through binding arbitration in accordance with the rules of the Australian Disputes Centre, conducted in Bendigo, Victoria. However, you may assert claims in small claims court if your claims qualify.

You waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

13. Changes to Service

We reserve the right to withdraw or amend our service, and any content we provide, without notice. We won't be liable if all or any part of the service is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of the service, or the entire service, to users who have registered with us.

14. Severability and Waiver

Severability

If any provision of these terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver

No waiver by fervosio of any term or condition outlined in these terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure to assert a right or provision under these terms shall not constitute a waiver of such right or provision.

15. Entire Agreement

These terms, along with our Privacy Policy, constitute the entire agreement between you and fervosio regarding use of the service, superseding any prior agreements between you and fervosio relating to your use of the service.

We may assign or transfer these terms, in whole or in part, to any person or entity at any time without your consent. You may not assign these terms without our prior written consent, and any unauthorized assignment by you shall be null and void.