1. Acceptance of Terms

By accessing and using qexiralon's budget consolidation services and website at qexiralon.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and qexiralon Financial Services Pty Ltd, an Australian company operating from 7/12 Punch St, Mosman NSW 2088, Australia.

If you do not agree with any part of these terms, you must immediately discontinue use of our services and website. Your continued use after any modifications to these terms constitutes acceptance of those changes.

2. Service Description

qexiralon provides budget consolidation and financial management services designed to help individuals and businesses better understand and organize their financial information. Our services include:

• Budget analysis and consolidation tools
• Financial data organization and reporting
• Educational resources for financial planning
• Account linking and transaction categorization
• Personalized financial insights and recommendations

3. User Responsibilities and Conduct

3.1 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any security breach.

3.2 Accurate Information

You agree to provide accurate, current, and complete information when creating your account and using our services. You must promptly update any information that becomes inaccurate or outdated.

3.3 Prohibited Activities

You agree not to engage in any of the following prohibited activities:

1. Using the service for any unlawful purpose or in violation of any applicable laws
2. Attempting to gain unauthorized access to other users' accounts or our systems
3. Transmitting viruses, malware, or other harmful computer code
4. Interfering with or disrupting the operation of our services
5. Using automated systems to access our services without permission
6. Reverse engineering or attempting to extract source code from our platform

4. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms of Use. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

4.1 Financial Data Handling

We use bank-level encryption and security measures to protect your financial data. However, you acknowledge that no system is completely secure, and you use our services at your own risk regarding data security.

4.2 Data Retention

We retain your data for as long as your account remains active or as needed to provide you services. You may request deletion of your data by contacting us, subject to legal and regulatory requirements.

5. Payment Terms and Billing

5.1 Service Fees

Certain features of our service may require payment of fees. All fees are quoted in Australian dollars (AUD) unless otherwise specified. You agree to pay all applicable fees for the services you choose to use.

5.2 Billing and Payment

For subscription services, you authorize us to charge your designated payment method on a recurring basis. Payments are due in advance of each billing period. If payment fails, we may suspend or terminate your access to paid features.

5.3 Refund Policy

Refunds are handled on a case-by-case basis. You may request a refund within 30 days of payment by contacting our customer service team. Refunds, if approved, will be processed within 5-10 business days.

6. Intellectual Property Rights

All content, features, and functionality of our service, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are owned by qexiralon or our licensors and are protected by Australian and international copyright, trademark, and other intellectual property laws.

6.1 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our service for your personal or business financial management purposes, subject to these Terms of Use.

6.2 User Content

You retain ownership of any content you submit to our service. However, you grant us a license to use, store, and process your content as necessary to provide our services to you.

7. Disclaimers and Limitations

7.1 Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. Our service may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

7.2 Financial Disclaimer

7.3 Third-Party Services

Our service may integrate with third-party financial institutions and services. We are not responsible for the availability, accuracy, or reliability of these third-party services.

8. Termination

8.1 Termination by You

You may terminate your account at any time by contacting us or using the account closure feature in your dashboard. Upon termination, your right to use our service ceases immediately.

8.2 Termination by qexiralon

We may terminate or suspend your account immediately, without prior notice, if you violate these Terms of Use or engage in conduct that we believe is harmful to our service or other users.

8.3 Effect of Termination

Upon termination, all rights and licenses granted to you will cease. We may delete your account and data, though we may retain certain information as required by law or for legitimate business purposes.

9. Limitation of Liability

To the maximum extent permitted by Australian law, qexiralon and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our service.

10. Governing Law and Disputes

10.1 Applicable Law

These Terms of Use are governed by the laws of New South Wales, Australia, without regard to conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of New South Wales.

10.2 Dispute Resolution

Before initiating legal proceedings, we encourage you to contact us directly to resolve any disputes. We are committed to working with you to find a fair and reasonable solution to any concerns.

11. Changes to Terms

We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the effective date at the top of this page and notify you through our service or via email. Your continued use of our service after such changes constitutes your acceptance of the modified terms.

Material changes will be communicated at least 30 days in advance when possible. If you do not agree to the modified terms, you must discontinue use of our service.

12. Miscellaneous Provisions

12.1 Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and qexiralon regarding your use of our service.

12.2 Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

12.3 Assignment

You may not assign or transfer your rights under these terms without our written consent. We may assign our rights and obligations under these terms without restriction.