1. Acceptance of Terms

By accessing and using the barinthorexa financial scenario modeling platform at barinthorexa.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 barinthorexa.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Continued use of our platform indicates your acceptance of these terms and any future modifications.

2. Description of Services

barinthorexa provides financial scenario modeling tools designed to help Australian businesses analyze potential financial outcomes. Our platform offers sophisticated modeling capabilities for cash flow analysis, revenue projections, and risk assessment scenarios.

Core Services Include:

• Interactive financial scenario modeling tools
• Customizable business forecasting templates
• Risk analysis and sensitivity testing features
• Data visualization and reporting capabilities
• Educational resources on financial planning
• Export functionality for model results and reports

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time. While we strive to provide reliable access, we cannot guarantee uninterrupted availability of our platform.

3. User Responsibilities and Conduct

As a user of our platform, you agree to use our services responsibly and in accordance with all applicable laws and regulations. You are solely responsible for the accuracy of data you input into our modeling tools.

Prohibited Activities:

1. Attempting to gain unauthorized access to our systems or other user accounts
2. Using our platform for illegal activities or fraudulent purposes
3. Distributing malware, viruses, or harmful code through our services
4. Reverse engineering, copying, or attempting to extract our proprietary algorithms
5. Creating multiple accounts to circumvent usage limitations
6. Sharing account credentials with unauthorized third parties
7. Using automated scripts or bots to access our services without permission

You must maintain the confidentiality of your account information and notify us immediately of any suspected unauthorized access. You are responsible for all activities that occur under your account.

4. Account Registration and Management

To access premium features of our platform, you must create an account by providing accurate and complete information. You agree to update your account information promptly when changes occur.

Account Requirements:

• You must be at least 18 years old to create an account
• One account per individual or business entity
• Valid email address required for account verification
• Strong password meeting our security requirements
• Accurate business information for commercial accounts

We may suspend or terminate accounts that violate these terms or remain inactive for extended periods. Account holders are responsible for maintaining current payment information for subscription services.

5. Intellectual Property Rights

All content, features, and functionality on our platform, including but not limited to software, algorithms, designs, text, graphics, and trademarks, are owned by barinthorexa and protected by intellectual property laws.

Your Rights:

• Limited license to use our platform for intended business purposes
• Right to export and use your own data and modeling results
• Permission to share generated reports within your organization

Restrictions:

• No right to copy, modify, or distribute our proprietary software
• Cannot create derivative works based on our platform
• May not remove or alter copyright notices or branding
• Cannot sell or license access to our services to third parties

You retain ownership of data you input into our system, but grant us necessary rights to process and analyze this data to provide our services effectively.

6. Privacy and Data Protection

Your privacy is important to us. We collect and process personal and business data in accordance with our Privacy Policy and applicable Australian privacy laws, including the Privacy Act 1988.

Data Collection and Use:

• Account information and contact details
• Financial data entered into modeling tools
• Usage analytics to improve our services
• Communication preferences and support interactions

We implement robust security measures to protect your data, but cannot guarantee absolute security. You should not input highly sensitive financial information that could cause significant harm if compromised.

We may aggregate and anonymize user data for research and improvement purposes, but will not share identifiable personal or business information without your consent, except as required by law.

7. Service Limitations and Disclaimers

Our financial modeling tools provide estimates and projections based on the data and assumptions you provide. These results are for informational purposes only and should not be considered as financial advice or guarantees of future performance.

Service Limitations:

1. Models are only as accurate as the input data provided
2. Market conditions and external factors may affect actual results
3. Platform availability may be affected by maintenance or technical issues
4. Some features may have usage limits based on subscription tier
5. Export capabilities may be restricted for certain data types

We provide our services "as is" without warranties of any kind. We disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

8. Account Termination

Either party may terminate this agreement at any time. You may close your account through your account settings or by contacting our support team. We may suspend or terminate accounts that violate these terms.

Termination Process:

• 30 days written notice for non-payment issues
• Immediate termination for serious terms violations
• Account data retention for 90 days after termination
• Refund policy applies to unused subscription periods

Upon termination, your right to access our services ceases immediately. You should export any important data before closing your account, as we are not obligated to provide access to terminated accounts.

9. Limitation of Liability

To the fullest extent permitted by Australian law, barinthorexa's liability for any claims arising from your use of our services is limited to the amount you paid for our services in the 12 months preceding the claim.

Excluded Damages:

• Indirect, incidental, or consequential damages
• Lost profits or business opportunities
• Data loss not caused by our negligence
• Third-party actions or services
• Force majeure events beyond our control

These limitations do not exclude liability for death, personal injury, or fraud resulting from our negligence, or other liabilities that cannot be excluded under Australian consumer law.

10. Changes to Terms

We may update these terms periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated through email notification and platform announcements.

Continued use of our services after term modifications constitutes acceptance of the updated terms. If you disagree with changes, you may terminate your account before the changes take effect.

Notification Process:

• 30 days advance notice for material changes
• Email notification to registered account holders
• Platform banner announcements
• Updated terms published on our website