Terms and Conditions for Website Use

These terms establish your obligations and rights while using xiloveira.sbs, and outline our service scope and limitations. By continuing to browse or engage with our website, you accept all listed protocols and disclaimers.

18 September 2025

Acceptance of Terms

By accessing, browsing, or using the site you acknowledge acceptance of these terms. Please exit the site if you do not agree to any of the points covered. Your use constitutes a binding agreement.

Definitions

The following terms govern your use of xiloveira.sbs and our services.

Client: any individual or entity engaging us for financial planning consultation or contacting through the website.

Personal Information: any data provided by users, including names, email, and financial details, shared in forms or messages.

Content: all written material, recommendations, analytics, and resources published or provided on xiloveira.sbs.

Third Party: any separate organisation or provider referenced or linked to from our site.

Scope of Service Usage

Site usage is exclusively for lawful, non-commercial, and personal reference in Australia unless explicitly agreed otherwise with our team.

Eligibility

Website participation is intended for users over the age of 18 residing in Australia. Minors may not submit personal data or requests.

We do not knowingly collect data from individuals under 18.

User Responsibilities

You are responsible for compliance when accessing the website or sending information.

Provide accurate, up-to-date, and complete information in all forms or correspondence.
Do not misuse interactive features, feedback forms, or site content.
Safeguard account details, if applicable, and report unauthorised access promptly.
Comply with all applicable Australian laws, regulations, and these terms during use.

Prohibited Uses

Misuse or unlawful use of this site is strictly prohibited.

Do not use the site for fraudulent, misleading, or illegal activities.
Prohibited to post or transmit harmful, offensive, or infringing content on the platform.
Do not attempt to access restricted information, modify, or disrupt the service.
Do not harvest user data or use it for marketing without consent.
No unauthorised linking, scraping, or use of automated bots/scripts for site access.

Intellectual Property Notice

All content on xiloveira.sbs is copyrighted and protected. You may not reuse, copy, modify, or redistribute our original material without explicit permission. Trademarks are the property of their respective owners.

Submitted User Content

Users may submit information, messages, or feedback. Content must be accurate and not violate any laws or rights.

Rights and Removal Policies

Website administrators may remove, edit, or restrict content in violation of terms or laws, or as needed for security.

Privacy and Data Handling

Your privacy is important. Collection and use of personal information are detailed in our privacy policy. We employ safeguards for your data’s security and lawful handling at all times.

See Privacy Policy

Website Disclaimer Statement

All content offers general reference for informational purposes only.

Critical Information

Results may vary. Past performance does not guarantee future outcomes. Seek a qualified adviser before any financial action.

Liability and Limitations

xiloveira.sbs is not liable for losses, damages, or reliance on website content or external links. Site use is at your own discretion and risk.

Indemnification

By using the site, you agree to defend and indemnify xiloveira.sbs against any related claims or damages.

Dispute Resolution Process

Disputes relating to these terms are governed by Australian law and resolved in Australian courts.

Arbitration

Some disputes may be resolved through binding arbitration as permitted by law. This process is conducted in Australia.

Arbitration does not preclude your statutory rights as an Australian consumer.

Online Dispute Resolution Platform

The European ODR platform is available for users in the EU. For Australian users, Australian authorities apply.

View ODR resource page

Severability

If any section is deemed unlawful, all other provisions remain in effect and enforceable.

Entire Agreement Statement

These terms represent the complete agreement between users and xiloveira.sbs regarding site usage and supersede prior communications.

Governing Law and Jurisdiction

These terms are exclusively governed by Australian law and subject to local authority.

Termination

We may terminate or suspend your site access for violations of these terms, with or without prior notice.

Modifications

We may update or amend these terms from time to time. Continued use signifies acceptance of changes.

Contact Information

For questions about these terms, use the contact options below.

Email Address: content@xiloveira.sbs

Phone: +61738091349

Address: 125 Stirling Street, Perth, WA 6000 Australia

Effective Date of Terms: 18 September 2025

Version: 2.1