Terms of Service
1. Introduction
Welcome to Svarab Financial Consulting. These Terms of Service ("Terms") govern your use of our website, products, and services ("Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these terms, you may not access our Services.
These Terms constitute a legally binding agreement between you and Svarab Financial Consulting. We reserve the right to update or change these Terms at any time, and we will provide notice of material changes by posting the updated Terms on our website. Your continued use of our Services after we post any modifications to the Terms will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Terms.
2. Services Description
Svarab Financial Consulting provides financial consulting services primarily to micro and small businesses in New Zealand. Our services include, but are not limited to, budgeting assistance, cash flow management, financial reporting, financial workshops, personal consulting, and access to financial dashboards.
While we strive to provide accurate and up-to-date information, we do not warrant that the information provided through our Services is accurate, complete, or suitable for any purpose. The information provided through our Services is for general informational purposes only and should not be construed as professional advice. We recommend consulting with a qualified professional for specific advice tailored to your situation.
3. User Responsibilities
You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Services. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. We reserve the right to suspend or terminate your account if any information provided during the registration process or thereafter proves to be inaccurate, not current, or incomplete.
You agree not to use our Services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). You agree not to transmit any worms or viruses or any code of a destructive nature.
4. Intellectual Property
Our Services and their original content, features, and functionality are and will remain the exclusive property of Svarab Financial Consulting and its licensors. Our Services are protected by copyright, trademark, and other laws of both New Zealand and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Svarab Financial Consulting.
You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Services, use of the Services, or access to the Services without express written permission from us.
5. User Content
Our Services may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). By providing User Content to our Services, you grant us the right to use, modify, publicly perform, publicly display, reproduce, and distribute such content on and through our Services.
You retain any and all of your rights to any User Content you submit, post, or display on or through our Services and you are responsible for protecting those rights. You agree that this license includes the right for us to make your User Content available to other users of the Services, who may also use your User Content subject to these Terms.
You represent and warrant that: (i) the User Content is yours or you have the right to use it and grant us the rights and license as provided in these Terms, and (ii) the posting of your User Content on or through our Services does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.
6. Limitation of Liability
In no event shall Svarab Financial Consulting, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.
In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed, our liability shall be limited to the maximum extent permitted by law.
7. Disclaimer
Our Services are provided on an "AS IS" and "AS AVAILABLE" basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We make no warranty that (i) the Services will meet your requirements, (ii) the Services will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Services will be accurate or reliable, or (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Services will meet your expectations.
8. Governing Law
These Terms shall be governed and construed in accordance with the laws of New Zealand, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Services, and supersede and replace any prior agreements we might have between us regarding the Services.
9. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Services following the posting of any changes to these Terms constitutes acceptance of those changes.
If we make material changes to these Terms, we will notify you either through the email address you have provided us or by placing a prominent notice on our website.
10. Contact Us
If you have any questions about these Terms, please contact us at:
Svarab Financial Consulting
210 Moorhouse Ave, Christchurch 8011, New Zealand
Phone: +64 3 555 9423
Email: [email protected]
Last updated: August 2023