1. Acceptance of Terms

By accessing or using ximporevnal's financial goal tracking platform and related 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 ximporevnal, located at 17/31 Queen St, Melbourne VIC 3000, Australia.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of the platform after any modifications to these terms constitutes acceptance of such changes.

2. Description of Services

ximporevnal provides digital financial goal tracking and planning tools designed to help users monitor their financial progress. Our services include goal setting interfaces, progress tracking dashboards, educational resources, and analytical tools.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice to users.

3. User Responsibilities and Conduct

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

Prohibited Activities

4. Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information in accordance with Australian Privacy Principles and applicable data protection laws. Your financial data is encrypted and stored securely using industry-standard protocols.

We collect and use personal information necessary to provide our services, including account information, financial goal data, and usage analytics. We do not sell personal information to third parties.

You have the right to access, correct, or request deletion of your personal information in accordance with applicable privacy laws. Detailed information about our data practices is available in our Privacy Policy.

5. Intellectual Property Rights

All content, features, and functionality of the ximporevnal platform, including but not limited to text, graphics, logos, software, and design elements, are owned by ximporevnal and protected by Australian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive license to use our services for their intended purpose. This license does not include the right to reproduce, distribute, or create derivative works based on our platform or content.

Any feedback, suggestions, or ideas you provide regarding our services may be used by ximporevnal without restriction or compensation.

6. Disclaimers and Limitations

ximporevnal provides financial tracking tools but does not offer financial advice, investment recommendations, or guarantees regarding financial outcomes. All information provided through our platform is for informational purposes only.

To the maximum extent permitted by law, ximporevnal shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to lost profits, data loss, or business interruption.

Our total liability for any claims related to these terms or our services shall not exceed the amount you have paid to ximporevnal in the twelve months preceding the claim.

7. Account Termination

Either party may terminate this agreement at any time. You may close your account through the account settings or by contacting our support team. We may suspend or terminate your access to our services if you violate these terms or for other reasonable business purposes.

Upon termination, your right to access and use our services ceases immediately. We will make reasonable efforts to provide you with access to your data for a limited period following termination, subject to applicable law and our data retention policies.

Sections of these terms that by their nature should survive termination will remain in effect, including intellectual property provisions, disclaimers, and limitations of liability.

8. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Victoria, Australia, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of Victoria.

Before pursuing formal legal action, we encourage users to contact our support team to resolve any concerns or disputes informally. Many issues can be resolved quickly through direct communication.

If formal dispute resolution becomes necessary, both parties agree to first attempt resolution through mediation before proceeding to litigation.

9. Updates and Modifications

We reserve the right to update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated to users via email or prominent notice within our platform.

Continued use of our services after the effective date of updated terms constitutes acceptance of the revised terms. If you disagree with any modifications, you should discontinue use of our services.

We recommend reviewing these terms periodically to stay informed of any updates that may affect your use of our platform.