1. Acceptance of Terms

By creating an account, accessing our website, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. These terms apply to all visitors, users, and others who access or use our services.

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any modifications indicates your acceptance of the updated terms. We recommend reviewing these terms periodically to stay informed of any changes.

2. Service Description

soliqenara provides working capital analysis services to businesses operating in Australia. Our services include financial assessment tools, cash flow analysis, and business optimization recommendations. We deliver these services through our online platform, direct consultations, and educational resources.

We make reasonable efforts to ensure our analysis tools and recommendations are accurate and up-to-date. However, our services should not be considered as a substitute for professional financial advice from qualified accountants or financial advisors.

3. User Accounts and Responsibilities

When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of these terms, which may result in immediate termination of your account.

• You are responsible for safeguarding your account password and for any activities or actions under your account
• You must notify us immediately if you become aware of any unauthorized use of your account
• You may not use another person's account without permission
• You must be at least 18 years old to create an account and use our services
• You agree not to share your login credentials with any third party

We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent, abusive, or illegal activities.

4. Acceptable Use Policy

You agree to use our services only for lawful purposes and in accordance with these terms. Specifically, you agree not to:

• Use our services in any way that violates applicable federal, state, or local laws
• Transmit any material that is defamatory, obscene, offensive, or otherwise objectionable
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the integrity or performance of our services
• Use automated systems or software to extract data from our website without permission
• Upload viruses or any other malicious code that could harm our systems
• Impersonate or misrepresent your affiliation with any person or entity

5. Intellectual Property Rights

The content, features, and functionality of our website and services are owned by soliqenara and are protected by Australian and international copyright, trademark, and other intellectual property laws.

Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. You may not copy, reproduce, distribute, or create derivative works from our content without explicit permission.

6. Payment and Subscription Terms

Certain features of our services require payment. By subscribing to a paid service, you agree to pay all fees associated with your chosen plan. All fees are in Australian Dollars (AUD) unless otherwise stated.

• Subscription fees are billed in advance on a recurring basis according to your chosen billing cycle
• Payment information must be accurate and up-to-date at all times
• You authorize us to charge your payment method for all fees incurred
• We reserve the right to modify our fees with 30 days' notice to existing subscribers
• Refunds are provided only as explicitly stated in our refund policy

If payment fails or your account becomes past due, we may suspend or terminate your access to paid features until payment is received. You remain responsible for any outstanding fees.

7. Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellation will be effective at the end of your current billing period, and you will retain access to paid features until that time.

We do not provide prorated refunds for partial billing periods. Upon cancellation, you will not be charged for subsequent billing periods, but fees already paid are non-refundable except as stated above.

8. Data Security and Privacy

We take the security of your data seriously and implement reasonable technical and organizational measures to protect your information. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Our collection, use, and disclosure of your personal information is governed by our Privacy Policy. By using our services, you consent to our privacy practices as described in that policy.

9. Disclaimers and Limitations

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure.

• We disclaim all warranties regarding the accuracy, reliability, or completeness of our analysis
• We do not guarantee specific business outcomes or financial results from using our services
• Our recommendations should not be considered as professional financial advice
• We are not responsible for decisions you make based on information from our platform

10. Indemnification

You agree to indemnify, defend, and hold harmless soliqenara, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of our services, your violation of these terms, or your violation of any rights of another party.

This indemnification obligation will survive the termination of your account and your use of our services.

11. Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also impose limits on certain features or restrict access to parts of our services without liability.

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these terms, is harmful to other users, or is otherwise harmful to our business interests. Upon termination, your right to use our services will immediately cease.

12. Governing Law and Disputes

These terms shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts located in New South Wales.

13. General Provisions

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

Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights. These terms constitute the entire agreement between you and soliqenara regarding our services and supersede any prior agreements.

We may assign our rights and obligations under these terms to any party at any time without notice to you. You may not assign these terms without our prior written consent.