Terms and Conditions of Service

These Terms and Conditions govern your use of the ceronivano website and services. By accessing our website or using our consultation services, you agree to be bound by these terms. Please read them carefully.

October 6, 2025

Acceptance of Terms

By accessing our website, submitting consultation requests, or engaging with our services in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our website or services. Your continued use constitutes ongoing acceptance of these terms as they may be modified.

Definitions

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

• Services refers to consultations, analytical reviews, and related guidance provided by ceronivano regarding financial planning considerations, including discussions conducted via phone, video conference, email, or in person.
• User, you, or your refers to any individual or entity that accesses our website or engages with our services in any capacity, including visitors, consultation clients, and inquiry submitters.
• Website refers to the ceronivano website and all associated pages, forms, content, and features accessible through our ceronivano, including mobile-optimized versions and any applications we may offer.
• Personal information means any information about an identifiable individual collected through our website or during service provision.

Service Usage Terms

Our services are informational and consultative in nature, designed to help you understand financial planning concepts and your situation. They do not constitute professional financial advice, legal counsel, or tax guidance. You are responsible for consulting licensed professionals before making significant decisions.

Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our services, you represent that you meet these eligibility requirements and that all information you provide is accurate.

Services may not be suitable for all individuals or situations.

Your Responsibilities

When using our website and services, you agree to certain responsibilities:

• Provide accurate and complete information during consultations and in any forms or communications. Inaccurate information may result in consultations that don't address your actual situation effectively.
• Use our website and services only for lawful purposes and in compliance with all applicable laws and regulations in your jurisdiction.
• Maintain confidentiality of any account credentials or access information if provided, and notify us immediately of any unauthorized use of your information.
• Understand that consultations are informational and that you remain responsible for your own financial planning decisions and their outcomes.

Prohibited Uses

You agree not to use our website or services for any of the following:

• Misrepresenting your identity, situation, or affiliation with any person or entity when communicating with us or submitting information through our website.
• Attempting to gain unauthorized access to our systems, other user accounts, or computer systems connected to our website through hacking or other means.
• Using our services to harass, abuse, threaten, or intimidate our team members or other users, or engaging in any conduct that disrupts service provision.
• Reproducing, distributing, or creating derivative works from our website content or proprietary materials without explicit written permission from ceronivano.
• Using automated systems or software to extract data from our website for commercial purposes or to monitor website availability without authorization.

Intellectual Property Rights

All content on our website including text, graphics, logos, images, and software is the property of ceronivano or its content suppliers and is protected by intellectual property laws. You may view and print content for personal, non-commercial use only. Any other use requires prior written permission from ceronivano.

User-Provided Content

When you submit information through our website or during consultations, you grant us license to use that information to provide our services. We will handle your information according to our Privacy Policy.

Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy. We handle information in compliance with Australian privacy law. Privacy Policy

Disclaimers and Limitations

Important limitations apply to our services and website:

Limitation of Liability

To the fullest extent permitted by law, ceronivano is not liable for any indirect, incidental, consequential, or special damages arising from your use of our services or website, including damages from decisions made based on consultations.

Indemnification

You agree to indemnify and hold ceronivano, its team members, and associated parties harmless from any claims, losses, or damages arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Dispute Resolution

Disputes arising from these terms or your use of our services will be resolved through the following process:

Applicable Law and Jurisdiction

These terms are governed by Australian law. Any disputes will be subject to the exclusive jurisdiction of Australian courts.

Termination

We reserve the right to terminate or suspend your access to our services at any time for violation of these terms or for any other reason at our discretion. You may discontinue use of our services at any time.

Modifications

We may modify these Terms and Conditions at any time. Changes become effective when posted on our website. Your continued use after changes constitutes acceptance of modified terms. We recommend reviewing these terms periodically.

Severability

If any provision of these terms is found unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and remaining provisions will continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and ceronivano regarding use of our services.

Contact Information for Questions

If you have questions about these Terms and Conditions, please contact us: