Terms and Conditions of Use

These Terms and Conditions set the expectations for use of Torathenivo’s advisory services. Please review them carefully to ensure your rights and responsibilities are clear.

Last revised December 21, 2025

Acceptance of Terms

By using Torathenivo’s consultation services, you acknowledge and accept these Terms and Conditions. Continued use signifies ongoing agreement with any updates made as described below.

Definitions

The following terms are used throughout these conditions for clarity. Understanding these meanings will help set clear expectations.

• 'Torathenivo' refers to the entity providing financial advisory reviews and consultations under the torathenivo.com brand.
• 'Service' means advisory sessions, analytical reviews, and communication provided to clients and website visitors.
• 'Client' means any party requesting a consultation or review from Torathenivo, whether individual, business, or organisation.
• 'Content' refers to the written, visual, or verbal material shared as part of the service.

Using Our Services

We ask that clients use our consultation and review services strictly for personal or internal business reference. Content is not for redistribution or commercial resale without written consent.

Eligibility

Our advisory offerings are available to individuals and organisations resident in Australia, subject to local regulations. We do not provide or market services to minors.

All clients must be over 18 years of age.

User Responsibilities

Clients are expected to provide accurate details and to use information shared for appropriate, lawful purposes only.

• Maintain confidentiality of communications and reports
• Do not share login or access credentials with third parties
• Comply with all applicable financial and privacy regulations when using the service
• Alert Torathenivo of any potential data breaches or unauthorised access

Prohibited Uses

Clients may not use the service or website for any of the following:

• Disseminating false or misleading information
• Attempting to gain unauthorised access to service systems
• Commercially reselling reports or advice without consent
• Infringing intellectual property rights associated with any content supplied
• Engaging in behaviour that could interfere with or compromise the integrity of the service

Intellectual Property Rights

All content, including reports and written analysis, is the exclusive property of Torathenivo. Clients are given a limited licence for personal use. Reproduction without permission is not permitted.

User Submitted Content

Communications and requests sent by you remain confidential. Submissions may be stored for record-keeping and compliance purposes only.

Your Privacy Commitment

Torathenivo treats all personal and business information with strict confidence, adhering to Australian privacy laws and internal standards. For further information on data privacy, see our separate policy document. Privacy Policy

Disclaimer and Guidance Limitations

Advisory content and reviews are provided for informational purposes only. They should not be used as the sole basis for major decisions.

Limitation of Liability

Torathenivo is not liable for losses or damages resulting from the use or reliance on advisory content. Clients are responsible for their final decisions.

Indemnity

Clients agree to indemnify Torathenivo against claims arising from misuse or unauthorised use of content or services.

Dispute Resolution Process

We aim to resolve any disputes through communication. This section explains the procedures for disagreement.

Applicable Law and Jurisdiction

These terms operate under the laws of Australia and its courts. Clients agree to this jurisdiction.

Termination

Torathenivo may terminate access to the service if there is breach of these terms, or for compliance and legal reasons.

Updates

Terms and conditions may be updated from time to time. Significant changes will be communicated on our website.

Severability

If any section is found invalid, the remainder still applies.

Entire Agreement Statement

These terms, along with related policies, represent the full agreement between client and Torathenivo.

Contact for Terms and Use

Please reach out for clarification or to discuss any point in these terms.