By accessing or using any part of panovioris.world, including our financial calculators, educational content, or planning tools, you enter into a legally binding agreement with panovioris Finance Tools. These terms apply to all users, whether you're browsing our resources, using our tools, or participating in our educational programs.

If you disagree with any part of these terms, please discontinue use of our platform immediately. Continued use after any modifications to these terms constitutes acceptance of the updated agreement.

Important: These terms supplement, rather than replace, any specific agreements you may have with us for premium services or educational programs.

Users are responsible for maintaining the confidentiality of their account information and for all activities that occur under their account. You agree to provide accurate, current information and to update it promptly when circumstances change.

• Account Security: You must notify us immediately of any unauthorized access or security breaches. We recommend using strong passwords and enabling two-factor authentication where available.
• Accurate Information: Financial tools require accurate data to provide meaningful results. Providing false information may lead to misleading calculations and poor financial decisions.
• Professional Use: Our tools are designed for legitimate business and personal financial planning. Commercial redistribution of our calculations or content requires written permission.
• Compliance: Users must comply with all applicable Australian financial regulations and tax requirements when using our tools for business purposes.

We reserve the right to suspend or terminate accounts that violate these terms or engage in activities that could harm other users or our platform's integrity.

All content on panovioris.world, including financial calculators, educational materials, templates, and methodologies, is protected by copyright and other intellectual property laws. This includes our proprietary calculation algorithms and educational frameworks.

You may use our tools and content for personal or internal business purposes. However, you may not:

• Reproduce, distribute, or sell our tools or content without written permission
• Reverse engineer our calculators or extract our calculation methodologies
• Create derivative works based on our proprietary content
• Remove copyright notices or attribution requirements
• Use our content to create competing financial tools or services

Educational institutions and training providers may reference our tools in courses with proper attribution. Commercial licensing arrangements are available for organizations wanting to integrate our tools into their services.

Our financial tools provide calculations based on standard mathematical formulas and general assumptions. Results should be considered estimates and starting points for financial planning rather than precise predictions of future outcomes.

Limitations of Financial Tools:

• Market conditions, regulatory changes, and economic factors can significantly impact actual results
• Tax implications vary based on individual circumstances and current legislation
• Interest rates, investment returns, and inflation rates are subject to change
• Regional variations in costs, regulations, and market conditions may affect accuracy

We update our tools regularly to reflect current conditions, but cannot guarantee that all variables remain current at the time of use. Users should verify key assumptions and consult current market data for important decisions.

We collect and process personal information in accordance with Australian Privacy Principles and our detailed Privacy Policy. This includes information you provide directly and data generated through your use of our tools.

Data We Collect: Personal details for account creation, financial data entered into calculators, usage patterns, and communication preferences. We use this information to provide services, improve our tools, and communicate relevant updates.

Data Security: We implement industry-standard security measures to protect your information. However, no internet-based service can guarantee complete security. Users should avoid entering highly sensitive financial details like account numbers or passwords.

Data Retention: We retain personal information only as long as necessary for service provision and legal compliance. Users can request data deletion through their account settings or by contacting our support team.

panovioris Finance Tools provides services "as is" without warranties of any kind, either express or implied. We do not guarantee that our tools will meet your specific requirements or that calculations will be error-free.

Limitation of Liability: To the maximum extent permitted by Australian law, our liability for any claims arising from use of our services is limited to the amount you paid for premium services in the 12 months preceding the claim. We are not liable for indirect, consequential, or punitive damages.

Force Majeure: We are not responsible for service interruptions caused by factors beyond our reasonable control, including technical failures, natural disasters, or regulatory changes affecting our operations.

These limitations do not exclude liability for death, personal injury, or fraud, nor do they limit statutory consumer rights that cannot be excluded under Australian Consumer Law.

We may modify these terms periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated through email notifications and prominent website notices.

Notice Period: Major changes to terms affecting user rights or obligations will include a 30-day notice period before taking effect. Continued use after the notice period constitutes acceptance of modified terms.

Service Termination: Either party may terminate this agreement at any time. Users can delete their accounts through account settings. We may suspend or terminate services for terms violations, extended inactivity, or business reasons with appropriate notice.

Upon termination, these terms remain in effect for any ongoing obligations, including intellectual property protection and limitation of liability provisions.