carivante - Expert financial planning consultations for your future

Acceptance of Terms

By accessing carivante website, requesting consultations, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any provision, you should not use our website or services.

Definitions

The following terms have specific meanings throughout this document and related policies.

Services refers to financial planning consultations, analytical reviews, strategy development, and related advisory services provided by carivante through various communication channels including in-person meetings, telephone, and digital platforms.

Client refers to any individual or entity that requests consultation services, submits inquiries through our website, or engages in communication with carivante representatives regarding financial planning matters.

Website means the carivante online platform including all pages, features, content, and functionality accessible through the carivante.sbs carivante and related subdomains.

Personal Information includes any data relating to identified or identifiable individuals collected through website usage or consultation services.

Service Usage Terms

Our consultation services are intended for informational and advisory purposes. We provide analysis, insights, and recommendations based on information you provide, but we do not guarantee specific outcomes. Results may vary based on individual circumstances, implementation, and external factors beyond our control.

Eligibility

Services are available to individuals aged 18 years or older who are residents of Australia or have legitimate connection to Australian financial matters. By using our services, you represent that you meet these eligibility requirements.

Services may not suit all circumstances.

Client Responsibilities

Clients engaging our services agree to fulfill certain responsibilities ensuring effective consultation relationships.

Provide accurate, complete, and current information during consultations and in written communications. Inaccurate information may compromise quality of advice provided.

Maintain confidentiality of any access credentials, appointment details, or sensitive information shared during consultation processes and through our secure communication systems.

Notify us promptly of significant changes in circumstances that may affect recommendations or strategies discussed during previous consultations.

Comply with all applicable laws and regulations when implementing strategies discussed during consultations and using our website services.

Prohibited Uses

Certain activities are expressly prohibited when using our website or services.

Using our services for unlawful purposes or in violation of any local, state, national, or international laws applicable in Australia.

Attempting to gain unauthorised access to our systems, other user accounts, or computer networks connected to our website through hacking, password mining, or other means.

Transmitting viruses, malware, or other malicious code that could damage, disrupt, or impair functionality of our website or systems.

Misrepresenting your identity, affiliation, or relationship with any person or entity when using our services or communicating with our team.

Collecting or harvesting personal information of other users or using automated systems to access our website without express written permission.

Intellectual Property Rights

All content on our website including text, graphics, logos, images, methodologies, and software is the property of carivante or its licensors and is protected by Australian and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.

Client-Provided Content

Information, documents, and data you provide during consultations or through our website remain your property. By sharing this information, you grant us licence to use it for providing services, maintaining records, and improving service quality.

Licence to Use Information

You grant carivante a non-exclusive, royalty-free licence to use information you provide for delivering consultation services, maintaining records as required by professional standards, and improving service quality through anonymised analysis of consultation patterns.

Privacy and Data Protection

Collection, use, and protection of personal information is governed by our Privacy Policy, which forms an integral part of these Terms. We comply with Australian Privacy Principles under the Privacy Act 1988 and take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.

View Privacy Policy

Service Disclaimers

Important limitations and disclaimers apply to our consultation services and website content.

No Guarantee of Results

Financial planning consultations provide analysis and recommendations based on information available at consultation time. We do not guarantee specific outcomes, returns, or results from implementing suggested strategies. Past performance does not guarantee future results.

Limitation of Liability

To the maximum extent permitted by Australian law, carivante shall not be liable for indirect, incidental, consequential, or punitive damages arising from use of our services or website, even if we have been advised of possibility of such damages.

Indemnification

You agree to indemnify and hold carivante, its directors, employees, and agents harmless from claims, damages, losses, and expenses including legal fees arising from your use of services, violation of these Terms, or infringement of third-party rights.

Dispute Resolution Procedures

Disputes arising from these Terms or our services should be resolved through structured procedures before pursuing formal legal action.

Arbitration

Disputes that cannot be resolved through negotiation may be referred to arbitration under the Australian Arbitration Rules. Arbitration shall take place in the state where carivante maintains its principal office.

Arbitration decisions are binding on both parties.

Online Dispute Resolution

The European Commission provides an online dispute resolution platform for consumers in the European Union. While carivante primarily serves Australian clients, European visitors may access the ODR platform at the link below.

EU Online Dispute Resolution

Severability

If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to minimum extent necessary, and remaining provisions shall remain in full force.

Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and carivante regarding use of our services and supersede all prior agreements or understandings.

Governing Law and Jurisdiction

These Terms are governed by the laws of the Commonwealth of Australia and the state where carivante maintains its principal office. Courts located in that jurisdiction shall have exclusive jurisdiction over disputes.

Termination

We reserve the right to terminate or suspend access to services immediately, without prior notice, for conduct that we believe violates these Terms, is harmful to other clients, or is harmful to our business interests.

Modifications

We may revise these Terms at any time by updating this page. Changes become effective when posted unless otherwise specified. Continued use of services after changes indicates acceptance of revised Terms.

Terms and Conditions Questions

Questions about these Terms should be directed to our legal department through the contact details below.

Email Address: content@carivante.sbs

Phone Number: +61.7.5098.8248

Postal Address: 365 Little Collins St, Melbourne, VIC 3000 Australia

Terms and Conditions of Service