Terms and Conditions of Service

Welcome to thalenivra. These Terms and Conditions govern your use of our website thalenivra.sbs and the consultation services we provide. By accessing our website or using our services, you agree to be bound by these terms. Please read them carefully before proceeding.

These Terms and Conditions were last updated on September 22, 2025

Acceptance of Terms

By accessing and using thalenivra.sbs or engaging our consultation services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy and any other policies referenced herein. If you do not agree with any part of these terms, you must discontinue use of our website and services immediately.

Definitions

For clarity and consistency, the following terms have specific meanings throughout this agreement:

• We, Us, Our: Refers to thalenivra, the provider of financial planning consultations and analytical review services operating through thalenivra.sbs.
• You, Your, Client: Refers to any individual or entity accessing our website, using our services, or engaging in consultations with thalenivra.
• Services: Refers to the financial planning consultations, analytical reviews, informational content, and related services provided by thalenivra through our website and consultation sessions.
• Website: Refers to thalenivra.sbs and all associated pages, content, and functionality provided by thalenivra.

Use of Services

Our services are provided for informational and analytical purposes only. They do not constitute professional financial, legal, or tax advice. You are responsible for consulting qualified professionals before making specific financial decisions based on information received through our consultations or website.

Eligibility

You must be at least eighteen years of age to use our services. By using our website and services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into binding agreements.

Services may not be suitable for all individuals or circumstances.

Your Responsibilities

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

• Provide accurate, complete, and current information during consultation sessions and when submitting forms or inquiries through our website.
• Maintain the confidentiality of any login credentials or access information provided to you and notify us immediately of any unauthorized use.
• Use our services and website only for lawful purposes and in accordance with these Terms and Conditions and applicable laws.
• Respect the intellectual property rights of thalenivra and third parties, refraining from unauthorized copying, distribution, or modification of content.

Prohibited Uses

You agree not to engage in any of the following prohibited activities:

• Using our services for any illegal purpose or in violation of any local, state, national, or international law or regulation.
• Transmitting any harmful code, viruses, malware, or other destructive materials that could damage or interfere with our website or services.
• Attempting to gain unauthorized access to our systems, servers, networks, or data through hacking, password mining, or any other means.
• Impersonating any person or entity, or falsely representing your affiliation with any person or entity when using our services.
• Using automated systems, bots, or scraping tools to access our website or collect information without our prior written permission.

Intellectual Property Rights

All content, materials, trademarks, logos, and intellectual property displayed on our website or provided through our services are owned by or licensed to thalenivra. You may not reproduce, distribute, modify, create derivative works, publicly display, or otherwise use our intellectual property without our prior written consent, except as necessary for personal, non-commercial use of our services.

User-Generated Content

When you submit information, feedback, or communications to us, you grant thalenivra a non-exclusive, worldwide, royalty-free license to use, reproduce, and incorporate such content for purposes of providing and improving our services.

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 the data practices described in our Privacy Policy. We encourage you to review the Privacy Policy to understand our data handling practices. View Privacy Policy

Disclaimers and Limitations

Important disclaimers regarding our services and your use of our website include:

Limitation of Liability

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

Indemnification

You agree to indemnify, defend, and hold harmless thalenivra, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses including reasonable legal fees arising from your use of our services or violation of these terms.

Dispute Resolution

In the event of any dispute arising from these terms or your use of our services:

Applicable Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of Australia, without regard to conflict of law principles.

Termination

We reserve the right to terminate or suspend your access to our services and website at any time, without prior notice, for conduct that we believe violates these Terms and Conditions or is harmful to other users, us, or third parties.

Modifications

thalenivra reserves the right to modify these Terms and Conditions at any time. We will notify you of material changes by posting the updated terms on our website with a revised effective date. Continued use after changes constitutes acceptance of the modified terms.

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and thalenivra regarding your use of our services and website.

Contact Information

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