Terms of Use
Legal Terms and Conditions for oratelunova Services
1. Acceptance of Terms
By accessing and using oratelunova's financial scenario modeling platform and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and oratelunova, a financial services company operating in Australia.
If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of our platform after any modifications to these terms constitutes acceptance of the revised terms.
Scope of Agreement
These terms apply to all users of our financial modeling services, including but not limited to individual clients, business entities, and professional advisors. The agreement covers all interactions with our platform, including consultations, software usage, and receipt of financial reports.
2. Service Description and Limitations
oratelunova provides financial scenario modeling services designed to help clients understand potential outcomes of various financial decisions. Our services include cash flow projections, investment scenario analysis, and strategic financial planning tools.
Service Limitations
- Our models are based on assumptions and projections that may not reflect actual future results
- Results are estimates and should not be considered guarantees of future performance
- All financial projections are subject to market conditions and economic variables beyond our control
- Individual results may vary significantly based on personal circumstances and external factors
Important Notice: Our scenario modeling services are educational and advisory in nature. We do not provide investment advice or guarantee specific financial outcomes. All financial decisions remain solely your responsibility.
3. User Responsibilities and Conduct
As a user of oratelunova's services, you agree to provide accurate and complete information necessary for our analysis. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
Required User Conduct
- Provide truthful and accurate financial information for modeling purposes
- Use our services only for legitimate business and personal financial planning purposes
- Maintain the security and confidentiality of your login credentials
- Notify us immediately of any unauthorized use of your account
- Comply with all applicable Australian financial regulations and laws
Prohibited Activities
- Using our services for illegal or fraudulent activities
- Attempting to reverse engineer or copy our proprietary modeling algorithms
- Sharing account access with unauthorized third parties
- Using our platform to create misleading or false financial projections for others
4. Privacy and Data Protection
We take your privacy seriously and are committed to protecting your personal and financial information in accordance with Australian Privacy Principles and applicable data protection laws.
Information Collection and Use
We collect information necessary to provide our financial modeling services, including personal details, financial data, and usage analytics. This information is used solely for service delivery, analysis improvement, and regulatory compliance.
- Personal identification information (name, contact details, identification documents)
- Financial information (income, assets, liabilities, financial goals)
- Usage data (platform interactions, feature usage, session duration)
- Communication records (emails, consultation notes, support interactions)
Data Security and Storage
All data is encrypted during transmission and storage using industry-standard security protocols. We maintain secure servers located in Australia and implement regular security audits to protect your information from unauthorized access.
5. Payment Terms and Refund Policy
Payment for our services is due according to the terms specified in your service agreement. We accept various payment methods and provide detailed invoices for all transactions.
Payment Schedule
- Initial consultation fees are payable upon booking confirmation
- Ongoing service fees are billed monthly or as specified in your agreement
- Additional services require separate authorization and payment
- All fees are stated in Australian dollars and include applicable taxes
Refund Conditions
Refunds may be available within 14 days of initial service delivery if you are not satisfied with the quality of our analysis. Refund requests must be submitted in writing with specific reasons for dissatisfaction.
6. Intellectual Property Rights
All content, software, algorithms, and methodologies used in our financial modeling services are proprietary to oratelunova and protected by Australian and international intellectual property laws.
Ownership and Usage Rights
- You receive a limited license to use our services for your personal or business financial planning
- Reports and analyses created for you may be used for your internal business purposes
- Our proprietary modeling techniques and software remain our exclusive property
- You may not reproduce, distribute, or create derivative works from our intellectual property
7. Limitation of Liability
While we strive to provide accurate and useful financial modeling services, we cannot guarantee specific outcomes or assume responsibility for financial decisions made based on our analyses.
oratelunova's total liability for any claims arising from our services shall not exceed the total amount paid by you for services in the 12 months preceding the claim. We are not liable for indirect, consequential, or punitive damages.
Specific Liability Exclusions
- Market losses or investment performance variations
- Business decisions made based on our modeling results
- Changes in economic conditions affecting projections
- Third-party actions or regulatory changes
8. Termination and Suspension
Either party may terminate this agreement with reasonable notice. We reserve the right to suspend services immediately if there are violations of these terms or concerns about fraudulent activity.
Termination Procedures
Termination requests must be submitted in writing to our contact address. Upon termination, access to our platform will be discontinued, and any remaining service obligations will be fulfilled according to your payment schedule.
- 30-day notice required for standard terminations
- Immediate termination allowed for breach of terms
- Final reports delivered within 14 days of termination
- Data retention according to regulatory requirements
9. Governing Law and Dispute Resolution
These terms are governed by Australian law, specifically the laws of Victoria. Any disputes will be resolved through binding arbitration or mediation before pursuing litigation.
Dispute Resolution Process
- Initial dispute resolution through direct communication
- Mediation through accredited Australian mediation services
- Binding arbitration if mediation is unsuccessful
- Court proceedings only as a last resort
10. Modifications to Terms
We may update these terms periodically to reflect changes in our services or legal requirements. Significant changes will be communicated to users at least 30 days before implementation.
Updated terms will be posted on our website with the revision date clearly indicated. Your continued use of our services after terms modifications constitutes acceptance of the new terms.
Contact Information
oratelunova Financial Services
154 Humffray St N, Ballarat East VIC 3350, Australia
Phone: +61 884 108 477
Email: contact@oratelunova.com
Business Hours: Monday - Friday, 9:00 AM - 5:00 PM AEST