1. Acceptance of Terms

By accessing and using seraphytoniqo's financial services platform at seraphytoniqo.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our services.

These terms constitute a legally binding agreement between you and seraphytoniqo (ABN: 12 345 678 901), located at Diddams Ln, Brisbane City QLD 4000, Australia. We reserve the right to modify these terms at any time, with changes becoming effective immediately upon posting to our website.

2. User Responsibilities and Conduct

Account Management

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

Prohibited Activities

You agree not to engage in any of the following activities:

• Violating any applicable laws or regulations
• Transmitting harmful or malicious code
• Attempting to gain unauthorized access to our systems
• Using our services for any unlawful or fraudulent purpose
• Interfering with the proper functioning of our platform
• Impersonating any person or entity

Content Standards

Any content you submit through our platform must be accurate, lawful, and not infringe upon the rights of others. We reserve the right to remove any content that violates these standards without prior notice.

3. Service Availability and Modifications

While we strive to maintain continuous service availability, we cannot guarantee uninterrupted access to our platform. We may suspend or discontinue services for maintenance, security updates, or other operational reasons.

seraphytoniqo reserves the right to modify, suspend, or discontinue any aspect of our services at any time. We will provide reasonable notice of significant changes that may affect your use of our platform, typically through email notification or prominent website announcements.

Our budgeting tools and educational resources are provided as-is, and we continuously work to improve their accuracy and functionality. However, you acknowledge that financial calculations and projections are estimates based on the information you provide.

4. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

We implement appropriate security measures to protect your personal and financial information. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security of your data.

Data Retention

We retain your personal information only for as long as necessary to provide our services or as required by Australian law. You may request deletion of your account and associated data at any time, subject to our legal obligations to maintain certain records.

5. Intellectual Property Rights

All content, software, and materials available through our platform are protected by intellectual property laws. This includes but is not limited to text, graphics, logos, images, software code, and educational materials.

You are granted a limited, non-exclusive license to access and use our services for personal or business budgeting purposes. This license does not include the right to reproduce, distribute, or create derivative works from our content without express written permission.

User-Generated Content

By submitting content to our platform, you grant seraphytoniqo a non-exclusive, royalty-free license to use, reproduce, and display such content solely for the purpose of providing our services. You retain ownership of your original content and financial data.

6. Limitation of Liability

To the maximum extent permitted by Australian law, seraphytoniqo and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

Our total liability to you for any claims arising from your use of our services shall not exceed the amount paid by you to seraphytoniqo in the twelve months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

Financial Decisions

You acknowledge that all financial decisions made based on information or tools provided through our platform are your sole responsibility. We recommend consulting with qualified financial professionals before making significant financial decisions.

7. Termination

Either party may terminate this agreement at any time. You may stop using our services and close your account at any time. We may suspend or terminate your access to our services for violation of these terms or for any other reason we deem appropriate.

Upon termination, your right to use our services will cease immediately. We will make reasonable efforts to provide you with access to your data for a period of 30 days after termination, after which your data may be permanently deleted.

Effect of Termination

Termination of these terms will not affect any rights or obligations that have accrued prior to termination. Provisions relating to intellectual property, limitation of liability, and dispute resolution will survive termination.

8. Governing Law and Dispute Resolution

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

Before initiating any legal proceedings, we encourage users to contact us directly to resolve disputes amicably. We are committed to addressing legitimate concerns in a fair and timely manner.

Alternative Dispute Resolution

For disputes that cannot be resolved through direct communication, both parties agree to attempt mediation through a recognized mediation service in Brisbane before pursuing litigation.

9. Contact Information

If you have any questions about these Terms of Use or need to report a violation, please contact us using the information below. We aim to respond to all inquiries within two business days.

For urgent matters affecting your account security or access, please contact us immediately via phone during business hours (9:00 AM - 5:00 PM AEST, Monday through Friday).