cavirellento - Financial consulting for values-aligned budget planning

Acceptance of Terms

By using cavirellento services, submitting consultation requests, or accessing our website, you acknowledge reading, understanding, and agreeing to be bound by these Terms and Conditions along with our Privacy Policy. If you disagree with any terms, please discontinue service use immediately.

Definitions

For clarity and consistent interpretation throughout these Terms, the following definitions apply to key terms used within this document.

Services refers to financial consultation services provided by cavirellento, including zero-based budgeting analysis, values-alignment reviews, budget framework development, and related consultation activities.

Client refers to individuals or entities engaging cavirellento for consultation services, whether through formal agreements or informal consultation arrangements.

Consultation refers to personalized analytical reviews, guidance sessions, framework development activities, and related professional services delivered by cavirellento consultants.

Website refers to the cavirellento.com website and all associated digital properties, content, and functionality provided by cavirellento.

Service Usage Terms

Our consultation services provide analytical guidance and framework development support for zero-based budgeting implementation. Services are advisory in nature and do not constitute financial product recommendations, investment advice, or guarantees of specific outcomes. Clients retain responsibility for financial decisions and implementation of discussed frameworks.

Eligibility Requirements

Services are available to individuals aged 18 years or older with legal capacity to enter binding agreements. By engaging services, you represent meeting these eligibility requirements and providing accurate information during consultations.

Clients must be 18 years or older to engage consultation services.

Client Responsibilities and Obligations

Effective consultation requires client engagement and adherence to specific responsibilities that support productive service relationships and outcomes.

Providing accurate, complete, and timely information during consultations, including financial data, spending patterns, and relevant circumstances affecting budget framework development.

Maintaining confidentiality of any proprietary methodologies, analytical frameworks, or consultation materials shared during service delivery, using them solely for personal financial management purposes.

Implementing discussed frameworks with reasonable diligence while recognizing that outcomes depend on personal commitment, circumstances, and factors beyond consultant control.

Communicating changes in circumstances, priorities, or objectives that may affect consultation relevance or framework appropriateness during ongoing service relationships.

Prohibited Activities

Certain activities are expressly prohibited when using our services or website to protect service integrity and client interests.

Misrepresenting financial circumstances, priorities, or relevant information during consultations, which undermines analytical accuracy and framework appropriateness.

Using consultation services or materials for commercial purposes, resale, or distribution to third parties without explicit written authorization from cavirellento.

Attempting to reverse-engineer, copy, or replicate proprietary methodologies, analytical frameworks, or consultation processes for competitive or unauthorized purposes.

Engaging in fraudulent activities, providing false information, or attempting to manipulate consultation outcomes through dishonest practices or misrepresentation.

Violating intellectual property rights, transmitting harmful code, or interfering with website functionality through unauthorized access attempts or malicious activities.

Intellectual Property Rights

All website content, consultation materials, methodologies, frameworks, and related intellectual property remain the exclusive property of cavirellento. Clients receive limited licenses to use consultation materials for personal financial management purposes only. Unauthorized reproduction, distribution, or commercial use of proprietary content is strictly prohibited.

Client Information and Content

Information you provide during consultations, including financial data, personal circumstances, and related content, remains your property. However, you grant cavirellento license to use such information for service delivery, analysis, and consultation purposes.

License Grant for Service Delivery

By sharing information during consultations, you grant cavirellento non-exclusive, limited license to use, analyze, and reference such information for providing contracted services, developing frameworks, and supporting consultation activities. We maintain confidentiality as outlined in our Privacy Policy.

Privacy and Data Protection

Your privacy is important to us. Information collection, use, storage, and protection practices are detailed in our Privacy Policy, which is incorporated into these Terms by reference. By using services, you consent to data practices described in the Privacy Policy document.

Privacy Policy

Service Disclaimers and Limitations

Important limitations and disclaimers apply to our consultation services and anticipated outcomes. Please review these carefully before engaging services.

No Guaranteed Results

Past performance does not guarantee future results. Financial outcomes depend on individual circumstances, commitment levels, market conditions, and numerous factors beyond our control. We provide analytical guidance and frameworks but cannot guarantee specific financial results or outcomes.

Limitation of Liability

To the maximum extent permitted by law, cavirellento shall not be liable for indirect, consequential, incidental, special, or punitive damages arising from service use or inability to use services, including financial losses resulting from framework implementation or consultation guidance.

Indemnification

You agree to indemnify and hold cavirellento, its consultants, employees, and affiliates harmless from claims, damages, losses, or expenses (including legal fees) arising from your service use, breach of these Terms, or violation of applicable laws or third-party rights.

Dispute Resolution Procedures

In the event of disputes arising from these Terms or service relationships, the following resolution procedures apply under Australian jurisdiction.

Mediation

Parties agree to first attempt resolving disputes through good-faith negotiation. If negotiation fails, parties will pursue mediation before commencing formal legal proceedings, selecting mutually agreeable mediators under Australian dispute resolution practices.

Mediation attempts are required before pursuing formal legal action for dispute resolution.

Online Dispute Resolution

For eligible disputes, parties may utilize online dispute resolution platforms approved under Australian consumer protection regulations to facilitate efficient resolution without formal litigation requirements.

Australian ODR Information

Severability

If any provision of these Terms is found invalid, illegal, or unenforceable, remaining provisions continue in full force and effect. Invalid provisions shall be modified to reflect original intent while maintaining enforceability under applicable law.

Entire Agreement Clause

These Terms, together with our Privacy Policy and any formal service agreements, constitute the entire agreement between parties regarding service use, superseding all prior communications, agreements, or understandings, whether written or oral, relating to the subject matter.

Governing Law and Jurisdiction

These Terms are governed by laws of Australia. Any disputes arising from these Terms or service relationships shall be subject to exclusive jurisdiction of Australian courts in the state where cavirellento maintains principal business operations.

Termination

Either party may terminate consultation relationships with reasonable notice. cavirellento reserves the right to suspend or terminate service access for Terms violations, non-payment, or breach of client responsibilities. Termination does not affect obligations incurred prior to termination date.

Modifications

We reserve the right to modify these Terms at any time to reflect service changes, legal requirements, or operational needs. Material changes will be communicated through website notices or direct client communication. Continued service use following changes constitutes acceptance of modified Terms.

Terms Questions and Concerns

For questions regarding these Terms and Conditions or related service policies, please contact us through the following channels.

Email Address: content@cavirellento.com

Phone Number: +61-7-4270-1533

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