Terms and conditions for toranivyloqe.com

Please read these Terms and Conditions before using our website or subscription. By using our site, you accept all terms below.

August 24, 2025

Acceptance of terms

By accessing toranivyloqe.com or its services, you agree to these Terms and Conditions, our Privacy Policy, and all related policies displayed on the website. If you do not agree, do not use the site.

Definitions

For clarity, the following terms are defined as used here:

• ‘Service’ refers to any digital financial planning subscription, document, or online interaction offered by toranivyloqe.com.
• ‘User’, ‘you’, or ‘client’ means any individual accessing, browsing, or using this website or subscription.
• ‘Team’ refers to authorised professionals and staff managing, supporting, or delivering planning services at toranivyloqe.com.
• ‘Plan’ means the selected monthly subscription and related features chosen during sign-up.

Service usage terms

All planning subscriptions, content, and communications are for Australian residents over 18 years old. Unauthorised use may result in denied access.

Eligibility

You must be an Australian resident, 18 years or older, and legally able to enter agreements to use our planning subscription services.

No service for those outside Australia or under 18.

User responsibilities

You agree to:

• Provide complete and valid information for your account and communication.
• Keep login information secure and confidential at all times.
• Promptly report any suspected security issues or unauthorised access to us.
• Abide by other website policies, including the Privacy and Cookie Policies.

Prohibited uses

Do not misuse this site. You must not:

• Engage in unauthorised distribution, copying, or misrepresentation of site content.
• Attempt to circumvent, test, or interfere with our website security features.
• Use our service to promote, market, or sell financial products or investments.
• Falsify your own identity or collect others’ information without consent.
• Upload harmful code, malicious software, or send spam to other users.

Intellectual property rights

All design, text, and content remain the sole property of toranivyloqe.com, protected by Australian copyright and trademark law. Use is limited to personal, non-commercial review in accordance with our site’s terms.

User content rights

If you submit questions, comments, or upload documents, you grant us permission to use that content to provide service and for internal review.

Your privacy and data security

All information provided through this website is managed according to our Privacy Policy. Please read our Privacy Policy for details on data collection, storage, and usage. View privacy policy

Important disclaimer statements

Planning services offer no promise of financial outcome.

Limitation of liability

toranivyloqe.com is not liable for losses or damages arising from use of this site, planning services, or associated content.

Indemnification

You agree to indemnify toranivyloqe.com, its owners, and staff from all obligations or costs resulting from misuse or breaches of these terms.

Dispute resolution process

If an issue arises, please contact us for good faith resolution before legal steps.

Applicable law in Australia

These terms are governed by the laws of Australia. Use of the website is subject to these laws.

Termination

We can suspend or terminate your subscription or access for breaches or misuse at our discretion.

Modifications

We reserve the right to update these terms. Review them before subscribing. Continuing service means you accept the latest version.

Severability

If any part of these terms is deemed unenforceable, the rest remain in effect.

Entire agreement

These Terms and Conditions, plus supporting policies, make up the complete understanding between you and toranivyloqe.com.

Contact for terms questions

Ask questions about these Terms and Conditions by contacting our support team.