Terms and Conditions of Service
These Terms and Conditions govern your use of quoraviel.com and the financial consultation services provided. Read them carefully before accessing or submitting information through our site.
Last modified November 5, 2025
Acceptance of terms
By continuing to use our website and services, you accept and agree to these Terms and Conditions, including our Privacy Policy and Disclaimer. If you disagree, please discontinue using the service immediately.
Definitions
Key terms used in these Terms and Conditions are defined in this section for clarity.
‘Service’ refers to analytical reviews and consultations offered via quoraviel.com, excluding regulated financial product offers.
‘User’ is any individual or entity accessing quoraviel.com or requesting a consultation.
‘Personal Data’ denotes any information directly or indirectly identifying you.
‘Provider’ means the owner and operator of quoraviel.com.
Use of services
You agree to use our services responsibly, for personal or business purposes, and in compliance with all applicable laws. Service misuse or false submissions may result in denial of access.
Eligibility
Users must be at least 18 years old and capable of entering contractual agreements as per Australian law. Business users must have the right to represent their organisation.
Not available to users under 18.
Your responsibilities
Users are responsible for providing accurate information and complying with applicable law when using our website or consultations.
Prohibited uses
The following conduct is not permitted:
Intellectual Property
All content, site design, text, and brand assets belong to quoraviel.com or its licensors. No material may be reproduced without explicit written consent. Third-party content or trademarks remain the property of their respective owners.
User submissions
Users may provide questions or feedback through forms. Offensive, unlawful, or infringing content will be removed.
Rights to your submissions
You retain any rights in your content but grant us a non-exclusive license to use it for service delivery and improvement.
Your privacy and data
Personal data is processed per our Privacy Policy. By using our service, you consent to these practices, including storage and processing of data according to legal standards.
See Privacy PolicyYour use and advice disclaimer
Advice is based on analytical review and discussion, not on regulated product sales or guaranteed outcomes.
Results may vary notice
All advice is tailored by context; results vary and are not assured. Decisions remain the user’s responsibility.
Limitation of liability
quoraviel.com is not liable for any losses or damages arising from use of website content, recommendations, or consultations. Your decisions remain your responsibility.
Indemnification
You agree to defend, indemnify, and hold harmless quoraviel.com for claims related to your use or misuse of our service or content.
How disputes are handled
Disputes will be resolved under Australian law, first through negotiation and, if necessary, arbitration.
Arbitration
Arbitration is held in Australia in English by a neutral arbitrator. Costs are shared equally by parties.
This section survives contract termination.
Online Dispute Resolution (ODR)
If a dispute cannot be resolved amicably, you may use the Australian ODR platform for online dispute processes.
Access ODR information hereSeverability
If any term is held invalid, remaining terms remain effective.
Entire agreement
These Terms, plus our Privacy Policy and Disclaimer, represent the entire agreement between you and us regarding our services.
Governing law and jurisdiction
These Terms are governed by laws of Australia. Jurisdiction lies with relevant Australian courts.
Termination
We reserve the right to terminate or suspend access to services at our discretion for failure to follow terms or applicable law.
Modifications
We may update these Terms periodically. Continued use after updates constitutes acceptance. All changes will be made available on our site.
How to contact us
Contact us at any time for questions regarding these Terms and Conditions.
Email address: content@quoraviel.com
Phone: +61-3-0226-7368
Postal address: 113 Exhibition St, Melbourne, VIC 3000 Australia
Effective date: From November 6, 2025
Version: v2