Terms and Conditions for cruvinalora.com
These terms set out your rights and obligations when using our website and requesting consultation services. Please read carefully as use of the site indicates your acceptance of them.
October 23, 2025 – latest version
Accepting our terms
By accessing or using our website and requesting consultation services, you accept these terms and agree to follow all policies, notices, and disclaimers displayed or linked here. If you do not agree, discontinue use immediately.
Definitions
Important terms and their meanings in these conditions are listed below.
Consultation refers to the analysis, discussions, and recommendations provided by our team in response to your inquiry, not to product sales or managed investments.
Personal data means any information about a person that makes them identifiable, included in privacy statements and protected under law.
Website covers all content, materials, and tools available at cruvinalora.com, including consultation request forms and resources.
User means anyone accessing our site, whether for information, advice, or contact.
Service use framework
Our consultation services are intended for adult residents in Australia. Use for unauthorised, unlawful, or commercial resale purposes is strictly prohibited.
Eligibility
You must be an individual over 18 years old and legally able to enter contracts in Australia. Corporate users must ensure authorised representation.
Individuals under 18 may not use these services.
Your responsibilities
As a user, you agree to use the site lawfully and truthfully. Review your information before submitting any forms.
Prohibited uses
Activities that disrupt services or violate law are not permitted.
Intellectual property rights
All materials and content on cruvinalora.com are protected by Australian copyright law and remain owned by the business. You may access and view content but not reproduce for commercial purposes without written consent.
User content submission
By submitting content, you grant us rights to use it as needed for service provision.
What rights you retain
You retain copyright to content submitted, but we may display or reuse it within the service scope.
Privacy commitment
Our privacy policy covers how personal data is handled. You must review and consent to privacy terms before submitting any details. Cookies and tracking tools may be used as described in our policy.
See privacy policyRisk and limitation disclaimer
You acknowledge that recommendations are non-binding and results are not guaranteed.
Important warning
Our team provides analytical reviews and personal consultations only, and does not promote, manage, or sell financial products. Results may vary and are not assured.
Our liability limits
We are not liable for indirect, incidental, accidental, or consequential damages due to use of our site or services, to the fullest extent allowed by law.
Your indemnity
You agree to indemnify and hold us harmless against claims based on your violation of these terms or misuse of services.
Resolving disputes
If an issue arises, contact our team for resolution before pursuing legal action.
Arbitration
If disputes cannot be settled directly, they will be addressed through binding arbitration per Australian arbitration rules.
All decisions from arbitration are final to the extent permitted by law.
Online dispute resolution
The site provides contact details for online dispute resolution as required by law.
Contact us for detailsSeverability
If a provision is found invalid, remaining terms remain enforceable to the fullest extent.
Full agreement
These terms and privacy policies represent the complete agreement between the user and cruvinalora.com, superseding earlier communication.
Applicable law and venue
These terms are governed by the laws of Australia. Venue for disputes is set in the relevant jurisdiction.
Ending use
We may terminate or suspend access if terms are breached. Users may end use at any time, subject to applicable requirements.
Changes
Notices of these terms’ modifications will be posted online. Continued use after changes signals acceptance of new terms.
Contact for terms questions
Reach out with any questions about our terms, conditions, or your rights as a user.
Contact email: content@cruvinalora.com
Phone: +61-2-3905-5648
Address: Tower 2, 201 Sussex Street, Sydney, NSW 2000 Australia
Effective date: Effective October 23, 2025
Version: 2.0