Terms of Use

1. Acceptance of Terms

By accessing and using hadoivanelo.com and our associated financial analysis 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 hadoivanelo Financial Services.

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 constitutes acceptance of any modifications to these terms.

2. Service Description and Scope

Financial Analysis Services

hadoivanelo provides comprehensive profitability analysis tools, financial reporting services, and business consultation specifically designed for Australian businesses. Our services include data analysis, trend identification, and strategic recommendations based on your business metrics.

Educational Resources

We offer educational programs and learning materials focused on financial literacy, business analysis, and profitability optimization. These resources are designed to enhance your understanding of financial principles and business management strategies.

• Interactive financial modeling tools
• Market analysis reports and insights
• Business performance benchmarking
• Strategic planning consultation
• Risk assessment and management guidance

3. User Obligations and Responsibilities

Account Registration and Security

When creating an account with hadoivanelo, you must provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

1. Maintain accurate and up-to-date account information
2. Protect your login credentials and notify us immediately of any unauthorized access
3. Use our services only for legitimate business purposes
4. Comply with all applicable laws and regulations
5. Respect intellectual property rights of hadoivanelo and third parties

Data Accuracy and Submission

The accuracy of our financial analyses depends significantly on the quality and completeness of data you provide. You warrant that all financial information, business metrics, and supporting documentation submitted through our platform is accurate, complete, and legally obtained.

4. Intellectual Property Rights

All content, software, tools, methodologies, and materials provided through hadoivanelo.com are the exclusive property of hadoivanelo Financial Services or our licensors. This includes but is not limited to proprietary analysis algorithms, report templates, educational materials, and user interface designs.

License Grant

Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable license to access and use our services for your internal business purposes only. This license does not permit:

• Reproduction or distribution of our proprietary methodologies
• Reverse engineering of our analysis algorithms or software
• Creation of derivative works based on our intellectual property
• Resale or sublicensing of our services to third parties

5. Privacy and Data Protection

Information Collection and Use

We collect and process personal and business information in accordance with Australian Privacy Principles and applicable data protection laws. Our data handling practices are detailed in our Privacy Policy, which forms an integral part of these terms.

By using our services, you consent to the collection, processing, and storage of your information as described in our Privacy Policy. We implement appropriate technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction.

6. Payment Terms and Billing

Service Fees and Billing Cycles

Payment terms vary depending on the services selected. Subscription-based services are billed in advance on a monthly or annual basis, while project-based consultations are billed according to agreed-upon milestones or upon completion.

1. All fees are quoted and payable in Australian Dollars (AUD)
2. Subscription fees are non-refundable except as expressly provided
3. Late payments may incur interest charges at the rate of 1.5% per month
4. Price changes will be communicated at least 30 days in advance
5. Disputed charges must be reported within 60 days of billing

Cancellation and Refunds

You may cancel subscription services with 30 days written notice. Cancellation becomes effective at the end of your current billing period. Refunds for unused subscription periods are provided only in cases of service discontinuation by hadoivanelo or material breach of service level agreements.

7. Disclaimers and Limitations

Professional Advice Disclaimer

While hadoivanelo provides professional financial analysis and business insights, our services do not constitute formal financial advice, investment recommendations, or legal counsel. You should consult with qualified professionals before making significant business decisions based on our analyses.

Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. Scheduled maintenance, technical issues, or circumstances beyond our control may temporarily affect service availability. We will provide reasonable notice of planned maintenance when possible.

8. Termination and Suspension

Either party may terminate this agreement with appropriate notice as specified in your service agreement. hadoivanelo reserves the right to immediately suspend or terminate services for material breach of these terms, non-payment, or activities that threaten the security or integrity of our systems.

Effect of Termination

• Access to hadoivanelo services will cease immediately upon termination
• You remain liable for all charges incurred prior to termination
• Confidential information obligations survive termination indefinitely
• You must return or destroy any proprietary materials in your possession
• hadoivanelo may retain necessary records as required by law or for business purposes

9. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts of Victoria.

Alternative Dispute Resolution

Before pursuing formal legal action, parties agree to attempt resolution through good faith negotiation. If direct negotiation fails, disputes may be submitted to mediation through a mutually agreed mediator or mediation service recognized in Victoria.

10. Modifications and Updates

hadoivanelo reserves the right to modify these Terms of Use as business needs, legal requirements, or service offerings evolve. Material changes will be communicated via email to registered users and posted prominently on our website at least 30 days before taking effect.

Your continued use of hadoivanelo services after the effective date of modifications constitutes acceptance of the updated terms. If you disagree with changes, you may terminate your account before the effective date to avoid being bound by the new terms.