Terms of Use

1. Acceptance of Terms

By accessing and using the Codflurea website (Calethivara.com) and our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and Codflurea, a financial services company operating in Australia.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of our platform constitutes ongoing acceptance of these terms and any future modifications.

2. Service Description

Codflurea provides long-term investment planning services and financial education resources designed to help clients make informed financial decisions. Our services include investment strategy development, portfolio analysis, market research, and educational content about financial planning principles.

3. User Responsibilities and Obligations

As a user of Codflurea services, you agree to provide accurate and complete information when creating accounts or submitting forms. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal information in accordance with Australian Privacy Principles and applicable data protection laws. Our collection, use, and storage of personal data is governed by our Privacy Policy, which forms an integral part of these terms.

By using our services, you consent to our collection and use of your information as described in our Privacy Policy. We may use your data to provide personalized financial education content, communicate about our services, and improve our platform functionality.

5. Financial Information Disclaimer

All financial information, market analysis, and investment guidance provided through our platform is for educational purposes only. We do not provide personalized financial advice, and our content should not be considered as recommendations to buy, sell, or hold any particular investments.

6. Intellectual Property Rights

All content on the Codflurea platform, including text, graphics, logos, images, software, and educational materials, is the property of Codflurea or its licensors and is protected by Australian and international copyright laws.

You may access and use our content for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission from Codflurea.

7. Limitation of Liability

To the maximum extent permitted by Australian law, Codflurea shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services or reliance on our content.

Our liability is limited to the amount paid by you for our services in the twelve months preceding the claim. This limitation applies regardless of the legal theory under which damages are sought.

8. Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also terminate or suspend your access to our services if you violate these terms or engage in activities that harm our platform or other users.

Upon termination, your right to access and use our services will cease immediately. Provisions of these terms that by their nature should survive termination will remain in effect.

9. Governing Law and Dispute Resolution

These terms are governed by the laws of Victoria, Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

Before initiating formal legal proceedings, parties agree to attempt resolution through good faith negotiations. If direct negotiation fails, disputes may be resolved through mediation or arbitration as mutually agreed.

10. Updates to Terms

We may update these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices. Updated terms will be posted on our website with a new effective date.

Continued use of our services after the effective date of updated terms constitutes acceptance of the revised terms. We encourage you to review these terms periodically to stay informed of any changes.