How it works

Terms and Conditions of Use

By accessing or using any part of myratholiva, you agree to these terms. Please review them carefully, as they outline your responsibilities and rights relating to use of our website and services.

Last revised October 2, 2025

Acceptance of Terms

Continued use of this site constitutes acceptance of these terms. If you disagree with any part, please cease use and contact us with your concerns.

Definitions

The following definitions clarify terminology as used throughout these terms and related policies.

‘Service’ refers to consultation, recommendations, reviews, or information provided by our team, never the offering or promotion of specific investment products.

‘User’ denotes any visitor, client, or interacting party accessing or using our website or services in any way.

‘Content’ means all information, text, graphics, materials, forms, and resources found throughout myratholiva and provided by our team, excluding user-submitted material.

‘Agreement’ is considered this document governing your access and responsibilities.

Service Usage Guidelines

All information is provided for your consideration and general informational purposes. We do not guarantee financial outcomes, and our consultants will never suggest specific investment products.

Eligibility

Only persons aged 18 or older can use our consultation services in accordance with Australian law and responsible practice protocols.

Contact us if you have questions about eligibility criteria.

User Responsibilities

All users are required to abide by these guidelines and act ethically while using the website and services.

Provide accurate, truthful details when filling out website forms or communicating with our team.
Respect confidential and personal information disclosed to you during consultations.
Do not attempt unauthorised access or interfere with website operations.
Use any recommendations or content responsibly, recognising that personal circumstances influence outcomes.

Prohibited Uses

Prohibited behaviours will result in denial of access.

Sharing false or misleading information or impersonating another user or entity.
Attempting to compromise, damage, or disrupt site security or operations.
Reusing, selling, or distributing content as your own for commercial gain.
Requesting or sharing confidential advice with those not present at your consultation.
Uploading malicious files or content that could compromise security or privacy.

Intellectual Property Notice

All materials found on myratholiva, unless contributed by third parties, belong to the site and may only be used for your non-commercial reference. Use beyond reading, printing, or saving for personal review requires prior written consent.

User Content and Submission

You remain responsible for materials submitted through our forms or communications. Offensive, unlawful, or commercial submissions are not permitted.

User Content Rights

Choose whether to grant us non-exclusive rights for legitimate use and archival purposes. No user content will be published externally without consent.

Privacy and Data Use

See our Privacy Policy for details about how information is collected, processed, and retained. By using our site, you consent to privacy terms.

Privacy Policy

Disclaimer Statement

Use of our site and information is at your own risk. No outcome or result is promised or ensured through our services.

Results May Vary

Outcomes from consultations depend on your situation, and external factors beyond our control. Past performance does not guarantee future results.

Limitation of Liability

We disclaim liability for any loss, damage, or inconvenience resulting from information, delay, or interruption in service beyond legal limits.

Indemnification

You agree to indemnify us against any claims or costs arising from your misuse of information or website features.

Dispute Resolution Policy

Should you have a dispute regarding these terms or our service, we encourage an informal resolution first.

Arbitration

If issues persist, both parties agree to binding arbitration under Australian consumer law.

Arbitration proceedings will take place in Australia, unless otherwise agreed by both parties.

Online Dispute Resolution

ODR can be used for unresolved concerns. Details and assistance are provided by relevant authorities on request.

Contact for dispute resolution

Severability

If any part is held invalid, the remainder continues in full effect per legal guidelines.

Entire Agreement Notice

This document governs your relationship with myratholiva superseding previous arrangements unless agreed otherwise.

Applicable Law and Jurisdiction

These terms are governed by Australian laws, with jurisdiction determined by your chosen location in Australia.

Termination

We may revoke access if terms are breached or misuse occurs. Notice will be provided outlining any next steps.

Modifications

Policies may change; continued use indicates acceptance. Material changes will be posted clearly for your awareness.

Contacting Us

Reach out about these terms with any questions or concerns—our team is here to help.

Email address: content@myratholiva.com

Phone number: +61743419851

Office address: 373 Bay Street, Port Melbourne, VIC 3207 Australia

Effective date: October 2, 2025

Version: 3.1