Terms and Conditions
Acceptance of Terms
By accessing and using irsoglayaralo.com and our services, you accept and agree to be bound by the terms and provisions of this agreement.
These terms are effective as of August 31, 2025.
Description of Services
irsoglayaralo provides financial consultation services, analytical reviews, and general financial guidance through subscription-based access. Our services are consultative in nature and do not constitute professional financial advice.
Services are available to eligible users on a subscription basis, subject to availability and our acceptance of your application.
User Eligibility
To use our services, you must meet the following requirements:
- Be at least 18 years of age and legally capable of entering into binding contracts
- Provide accurate and complete information during registration
- Comply with all applicable laws and regulations
User Responsibilities
As a user of our services, you agree to:
- Provide accurate, current, and complete information about yourself
- Maintain the security of your account and password
- Use our services in compliance with all applicable laws
- Respect the intellectual property rights of irsoglayaralo and others
Prohibited Uses
You may not use our services for any of the following purposes:
- Any unlawful purpose or to solicit others to perform unlawful acts
- Violating any international, federal, provincial, or state regulations, rules, laws, or local ordinances
- Transmitting or procuring the sending of advertising or promotional material without our prior written consent
- Impersonating or attempting to impersonate the company, employees, another user, or any other person
- Using our services in any way that could disable, overburden, damage, or impair the service
Intellectual Property Rights
The service and its original content, features, and functionality are and will remain the exclusive property of irsoglayaralo and its licensors.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any of our content without prior written permission.
Privacy Policy
Your privacy is important to us. Please refer to our Privacy Policy for information about how we collect, use, and disclose your personal information.
By using our services, you consent to the collection and use of information in accordance with our Privacy Policy.
Payment Terms
The following payment terms apply to our subscription services:
- Monthly subscription fees are charged in advance and are non-refundable
- All prices include applicable GST and fees
- Payment must be made by authorized credit card or bank transfer
Disclaimers and Warranties
We make no warranties or representations about the accuracy or completeness of our services or the content of any sites linked to this site.
Our services are provided on an "as is" basis without warranties of any kind, either express or implied.
Limitation of Liability
In no event shall irsoglayaralo, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, punitive, consequential, or similar damages.
This includes but is not limited to loss of profits, revenue, data, or other intangible losses resulting from your use of our services.
Dispute Resolution
For consumer disputes, we participate in the Australian Financial Complaints Authority (AFCA) dispute resolution scheme.
Arbitration Agreement
Any dispute arising from or relating to this agreement shall be resolved through binding arbitration in accordance with Australian commercial arbitration rules.
The arbitration shall be conducted in Melbourne, Australia, and governed by Australian law.
EU Online Dispute Resolution
For European Union customers, we participate in the EU Online Dispute Resolution platform.
The EU ODR platform provides an out-of-court method for resolving disputes about online purchases.
Termination
We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason whatsoever, including breach of these Terms.
Upon termination, your right to use our services will cease immediately, but obligations under these Terms will survive.
Governing Law
These Terms shall be interpreted and governed by the laws of Australia, without regard to conflict of law provisions.
Any legal action or proceeding shall be brought exclusively in the courts of Melbourne, Australia.
Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law.
Entire Agreement
These Terms constitute the sole and entire agreement between you and irsoglayaralo regarding the use of our services, and supersede all prior and contemporaneous understandings.
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
What constitutes a material change will be determined at our sole discretion.
Contact Information
If you have any questions about these Terms and Conditions, please contact us: