Terms and Conditions of Service

These Terms and Conditions govern your use of the zoliviera.sbs website and consultation services provided by zoliviera. By accessing this website or engaging our services, you agree to be bound by these terms. Please read them carefully before proceeding.

These Terms and Conditions were last updated on October 6, 2025

Acceptance of Terms

By accessing, browsing, or using this website and its services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions along with our Privacy Policy and other posted policies. If you do not agree with any part of these terms, you should discontinue use of this website immediately. Your continued use following any modifications to these terms constitutes acceptance of those changes.

Definitions

For purposes of these Terms and Conditions, the following definitions apply throughout this document:

• Website refers to zoliviera.sbs including all pages, subdomains, content, features, and functionality accessible through this zoliviera and associated platforms operated by zoliviera.
• Services refers to financial planning consultation services, guidance, analysis, and support provided by zoliviera including but not limited to initial consultations, follow-up sessions, and implementation support.
• User, You, Your refers to any individual or entity accessing this website, utilizing our services, or engaging with our content regardless of whether formal service agreements have been established.
• We, Us, Our refers to zoliviera, its owners, employees, consultants, agents, and representatives involved in operating the website and delivering consultation services.

Permitted Use of Services

This website and its services are intended for individuals seeking personal financial planning consultations and related guidance. You agree to use this website and services only for lawful purposes and in accordance with these terms. You may access content for personal, non-commercial use related to evaluating or engaging our consultation services. You may not reproduce, distribute, or create derivative works from website content without written permission.

Eligibility Requirements

Our services are intended for individuals aged 18 years or older who have legal capacity to enter binding agreements. By using this website or engaging our services, you represent that you meet these eligibility requirements. If you are accessing this website on behalf of an organization, you represent that you have authority to bind that organization to these terms.

Services are primarily designed for Australian residents, though we may accommodate international clients at our discretion.

Your Responsibilities as User

When using this website and engaging our services, you agree to fulfill the following responsibilities:

• Provide accurate, complete, and current information during consultation intake, forms, and communications to enable effective guidance and appropriate recommendations.
• Maintain confidentiality of any account credentials or access information provided, notifying us immediately of any unauthorized access or security breaches.
• Respect intellectual property rights by not copying, distributing, or misusing proprietary content, methodologies, or materials provided during consultations or through the website.
• Communicate respectfully and professionally with our team members, refraining from abusive, threatening, or inappropriate behavior during interactions.

Prohibited Activities

The following activities are strictly prohibited when using this website or services:

• Using automated systems, bots, or scraping tools to access, collect, or extract website content or data without our express written permission.
• Attempting to gain unauthorized access to website systems, other user accounts, or computer networks connected to this website through hacking or other illegitimate means.
• Transmitting viruses, malware, or malicious code that could damage, interfere with, or compromise website functionality or security.
• Impersonating any person or entity, or falsely representing your affiliation with any person or organization when using this website or services.
• Using services for fraudulent purposes, to violate laws or regulations, or to infringe upon rights of others including privacy and intellectual property rights.

Intellectual Property Rights

All content on this website including text, graphics, logos, images, design elements, software, and compilation of content is the property of zoliviera or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, display, sell, lease, transmit, or create derivative works from website content without our express written consent. Trademarks, service marks, and logos displayed on this website are registered and unregistered marks of zoliviera or third parties. Nothing on this website grants any license or right to use any trademark without written permission.

User-Submitted Content

When you submit information through contact forms, consultation requests, or other communication channels, you grant us permission to use that information for purposes of providing services, improving our offerings, and communicating with you. We will handle your information in accordance with our Privacy Policy. You represent that any information you submit is accurate and that you have rights to share such information with us.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using this website and services, you consent to data practices described in our Privacy Policy. We encourage you to review the Privacy Policy to understand how we handle your information, your privacy rights, and how you can control your personal data. View Privacy Policy

Service Disclaimers and Limitations

Important limitations apply to the services and information provided through this website:

Limitation of Liability

To the maximum extent permitted by Australian law, zoliviera and its owners, employees, consultants, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website or services, even if we have been advised of the possibility of such damages. Our total liability for any claims related to website use or services shall not exceed the amount you paid for services during the six months preceding the claim.

Indemnification Agreement

You agree to indemnify, defend, and hold harmless zoliviera, its owners, employees, consultants, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses including reasonable legal fees arising from your use of this website, violation of these Terms and Conditions, infringement of any rights of third parties, or any decisions you make based on consultation guidance without appropriate professional verification.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through the following process:

Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of Australia without regard to conflict of law principles. Any legal action or proceeding arising from these terms or website use shall be brought exclusively in Australian courts, and you consent to the jurisdiction of such courts. If you access this website from outside Australia, you do so at your own initiative and are responsible for compliance with applicable local laws.

Termination Rights

We reserve the right to terminate or suspend your access to this website and services immediately, without prior notice or liability, for any reason including breach of these Terms and Conditions. Upon termination, your right to use the website and services ceases immediately. Provisions of these terms that by their nature should survive termination shall continue including disclaimer, liability limitations, indemnification, and governing law provisions.

Terms Modifications

We reserve the right to modify these Terms and Conditions at any time. Changes become effective immediately upon posting to this website. We will update the last updated date at the top of these terms to reflect modifications. Your continued use of the website or services after changes constitutes acceptance of revised terms. We recommend reviewing these terms periodically to stay informed of any updates.

Severability Clause

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed from these terms without affecting the validity and enforceability of remaining provisions.

Entire Agreement Statement

These Terms and Conditions, together with our Privacy Policy and any other legal notices or policies published on this website, constitute the entire agreement between you and zoliviera regarding use of this website and services. These terms supersede all prior or contemporaneous communications, proposals, and agreements whether oral or written between you and us regarding the subject matter herein.

Questions About These Terms

If you have questions or concerns about these Terms and Conditions or need clarification about any provisions, please contact us through the following channels: