1. Acceptance of Terms

By accessing and using floravexiumo's spreadsheet financial management platform and related services, you agree to be bound by these Terms of Use. If you don't accept these terms, please don't use our services. We've tried to make this straightforward, but legal documents need to cover various scenarios.

These terms apply to all users of floravexiumo, including those who access our platform through trial periods, paid subscriptions, or educational licenses. Your continued use of our services after any modifications to these terms constitutes acceptance of those changes.

2. Service Description

floravexiumo provides spreadsheet-based financial management tools designed to help Australian businesses and individuals organize their financial data. Our platform includes templates, calculators, and educational resources to support better financial decisions.

We're continuously improving our services, which means features may change. We'll do our best to notify you of significant changes, but we can't guarantee that every feature will remain available indefinitely.

Service Limitations

While we work hard to provide reliable tools, floravexiumo is not a substitute for professional financial advice. Our spreadsheets and calculators are educational tools meant to help you understand your finances better, not to replace qualified accountants or financial advisors.

3. User Accounts and Security

When you create an account with floravexiumo, you're responsible for maintaining the security of your login credentials. Don't share your password with anyone, and notify us immediately if you suspect unauthorized access to your account.

Account Responsibilities

• Provide accurate information during registration and keep it updated
• Maintain the confidentiality of your account credentials
• Notify us promptly of any security breaches
• Accept responsibility for all activities under your account
• Use only one account per person unless you have written permission for multiple accounts

We reserve the right to suspend or terminate accounts that violate these terms or engage in activities that compromise the security or integrity of our platform.

4. Acceptable Use Policy

You may use floravexiumo for lawful purposes related to financial management and education. The following activities are strictly prohibited:

• Attempting to gain unauthorized access to our systems or other users' accounts
• Using automated tools to scrape or harvest data from our platform
• Uploading malicious code, viruses, or any harmful software
• Impersonating other users or floravexiumo staff members
• Sharing copyrighted materials without proper authorization
• Using the platform to transmit spam or unsolicited messages
• Attempting to reverse engineer or decompile our software
• Reselling or redistributing our services without written permission

Violations of this policy may result in immediate account termination and potential legal action.

5. Intellectual Property Rights

All content on floravexiumo, including spreadsheet templates, formulas, educational materials, graphics, and software code, is owned by floravexiumo or our licensors and protected by Australian and international copyright laws.

Your Content

You retain ownership of any financial data or information you upload to our platform. By using our services, you grant us a limited license to store, process, and display your content solely for the purpose of providing our services to you.

License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use floravexiumo for your personal or business financial management needs. This license doesn't include the right to:

• Modify or create derivative works from our templates or tools
• Distribute our materials to third parties for commercial purposes
• Remove copyright notices or proprietary markings
• Use our brand name or trademarks without written permission

6. Payment Terms and Subscriptions

Some features of floravexiumo require a paid subscription. By purchasing a subscription, you agree to pay the fees displayed at the time of purchase. All prices are in Australian dollars unless otherwise specified.

Billing Cycles

Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. We'll charge your payment method on file, and you're responsible for ensuring your payment information remains current.

Refund Policy

We offer a 14-day satisfaction guarantee for new subscriptions. If you're not satisfied within the first 14 days, contact us for a full refund. After this period, refunds are issued at our discretion and typically prorated based on unused service time.

Price changes will be communicated at least 30 days in advance for existing subscribers. Continued use of the service after a price change constitutes acceptance of the new pricing.

7. Data Privacy and Security

We take your privacy seriously and handle your data in accordance with Australian Privacy Principles and our Privacy Policy. Your financial information is encrypted both in transit and at rest, and we implement industry-standard security measures.

Data Storage

Your data is stored on secure servers located in Australia. We don't sell your personal information to third parties. However, we may share aggregated, anonymized data for research or improvement of our services.

Your Data Rights

You have the right to access, correct, or delete your personal data at any time through your account settings. If you need assistance, contact our support team at help@floravexiumo.org.

8. Disclaimers and Limitations of Liability

floravexiumo provides tools and educational resources on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or suitability of our platform for your specific needs.

No Financial Advice

Our platform doesn't provide personalized financial, investment, tax, or legal advice. The tools and information we offer are for educational purposes. Always consult with qualified professionals before making significant financial decisions.

Limitation of Liability

To the maximum extent permitted by Australian law, floravexiumo and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

Some jurisdictions don't allow limitation of liability for certain damages, so these limitations may not apply to you.

9. Termination

You may terminate your account at any time by contacting our support team or using the account closure feature in your settings. Upon termination, you'll lose access to your account and any content stored within our platform.

Our Right to Terminate

We reserve the right to suspend or terminate your access to floravexiumo if you violate these terms, engage in fraudulent activity, or if we determine that your use of the platform poses a risk to other users or our systems.

Before termination, we'll typically provide notice and an opportunity to remedy the violation, except in cases of serious misconduct or legal requirements.

10. Modifications to Terms

We may update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated through email or prominent notice on our platform at least 30 days before taking effect.

Your continued use of floravexiumo after changes become effective means you accept the modified terms. If you disagree with changes, you should discontinue use of our services.

11. Governing Law and Disputes

These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from these terms or your use of floravexiumo shall be subject to the exclusive jurisdiction of courts in Ballarat, Victoria.

Dispute Resolution

Before pursuing legal action, we encourage you to contact us directly to resolve any concerns. Most issues can be resolved through good-faith discussion. If we can't reach a resolution, you agree to participate in mediation before filing any lawsuit.

12. General Provisions

Entire Agreement

These Terms of Use, along with our Privacy Policy and any additional agreements you've entered into with floravexiumo, constitute the entire agreement between you and floravexiumo regarding use of our services.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full effect.

Waiver

Our failure to enforce any right or provision in these terms doesn't constitute a waiver of that right or provision unless acknowledged in writing by us.

Assignment

You may not assign or transfer these terms or your account to anyone without our written consent. We may assign our rights and obligations under these terms without restriction.