1. Acceptance of Terms

When you visit kalenoxivaro.com or engage with our financial forecasting and budgeting tools, you acknowledge that you've read these terms and agree to be bound by them. This applies whether you're a casual visitor or a registered user.

If you're accessing our services on behalf of a business or organization, you represent that you have the authority to bind that entity to these terms. We may update these terms from time to time, and continued use after changes means you accept the updated version.

2. Service Description

kalenoxivaro provides financial forecasting and budgeting software designed for Australian businesses and individuals. Our tools help you analyze financial data, create projections, and manage budgets more effectively.

What We Offer

• Financial forecasting tools that process your historical data to generate projections
• Budget creation and tracking features customized for Australian tax requirements
• Data visualization and reporting capabilities
• Educational resources about financial planning and budgeting practices

What We Don't Offer

We are not financial advisors, accountants, or licensed financial planners. Our tools provide information and analysis, but they don't constitute professional financial advice. Always consult with qualified professionals before making significant financial decisions.

3. User Responsibilities

You're responsible for how you use our services and the data you input into our systems. This includes maintaining the security of your account credentials and ensuring the accuracy of information you provide.

Account Security

Your login credentials are your responsibility. Don't share them with others, and notify us immediately if you suspect unauthorized access. We implement reasonable security measures, but we can't guarantee absolute security—no one can.

Prohibited Activities

• Attempting to access other users' accounts or data without authorization
• Using automated systems to scrape or harvest data from our services
• Uploading malicious code or attempting to compromise our infrastructure
• Misrepresenting your identity or relationship with any person or entity
• Using our services for any unlawful purpose or in violation of Australian regulations

4. Intellectual Property Rights

The software, design, content, and materials available through kalenoxivaro are protected by Australian and international copyright, trademark, and other intellectual property laws. We retain ownership of everything we've created.

You're granted a limited, non-exclusive license to use our services for their intended purpose. This doesn't mean you own any part of our platform or can replicate it. Your financial data remains yours—we just process it to provide the services you've requested.

5. Data Usage and Privacy

Financial data is sensitive, and we treat it accordingly. Our privacy policy explains in detail how we collect, store, and use your information, but here's the basic framework.

What We Collect

We collect information you provide directly, such as account details and financial data you input. We also collect technical information about how you interact with our services, including device information and usage patterns.

How We Use It

Your data helps us provide and improve our services. We analyze aggregated, anonymized data to enhance our forecasting algorithms and identify areas for improvement. We never sell individual user data to third parties.

We may share data with service providers who help us operate our platform, but only under strict confidentiality agreements that meet Australian privacy standards.

6. Payment Terms

If you subscribe to any paid services, you agree to pay the fees specified at the time of purchase. All prices are listed in Australian dollars and include GST where applicable.

Billing and Renewal

Subscriptions renew automatically unless you cancel before the renewal date. We'll charge the payment method on file, and if payment fails, we may suspend your access until payment is resolved.

Refunds

Under Australian Consumer Law, you're entitled to certain guarantees that can't be excluded. Beyond those statutory rights, refunds are handled on a case-by-case basis. Contact us if you believe you're entitled to a refund, and we'll review your situation fairly.

7. Limitation of Liability

Our services are provided "as is" without warranties of any kind, to the extent permitted by Australian law. We work hard to maintain accurate and reliable tools, but financial forecasting involves inherent uncertainties.

We're not liable for decisions you make based on information from our platform. Financial outcomes depend on countless variables beyond our control, and past performance never guarantees future results.

8. Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. We'll provide reasonable notice for significant changes that affect paid subscriptions.

Account Termination

You can close your account anytime through your account settings. We may terminate or suspend accounts that violate these terms, though we'll typically provide warning unless the violation is severe or ongoing.

Upon termination, your right to use our services ends immediately. We'll retain certain data as required by Australian law or legitimate business purposes, but you can request data deletion subject to those requirements.

9. Dispute Resolution

If disagreements arise, we prefer to resolve them through direct communication before escalating to formal proceedings. Most issues can be sorted out with a straightforward conversation.

These terms are governed by the laws of South Australia, and any legal proceedings must be brought in Adelaide courts. This choice of law doesn't affect your rights under Australian Consumer Law.

Informal Resolution

Before initiating any formal process, please contact us at info@kalenoxivaro.com describing the issue. We commit to responding within five business days and working toward a fair resolution.

10. Miscellaneous Provisions

If any provision of these terms is found unenforceable, the remaining provisions continue in full force. Our failure to enforce any right doesn't constitute a waiver of that right.

These terms, along with our privacy policy, constitute the entire agreement between you and kalenoxivaro regarding your use of our services. They supersede any prior agreements or understandings.

Contact for Legal Notices

Formal legal notices should be sent to Level 1/72 Currie St, Adelaide SA 5000, Australia, with a copy emailed to info@kalenoxivaro.com. We'll acknowledge receipt and respond appropriately to legitimate legal communications.