Terms and Conditions
Last Updated: September 15, 2025
Acceptance of Terms
By accessing and using this website and our financial planning services, you accept and agree to be bound by the terms and provisions of this agreement.
If you do not agree to abide by these terms, please do not use this service.
Definitions
For the purposes of these Terms and Conditions:
- Company: refers to xandorivalea Financial Planning Services, the provider of this website and services
- Service: refers to the financial planning consultations and related services provided through this website
- User: refers to anyone who accesses or uses our website or services
- Content: refers to all information, text, graphics, and materials available on this website
Use of Service
Your use of our service is subject to the following terms:
Eligibility
You must be at least 18 years of age to use our services. By using our service, you represent that you meet this age requirement and have the legal capacity to enter into this agreement.
18+ only
User Responsibilities
- Provide accurate and complete information when requested
- Maintain the confidentiality of any account information
- Take responsibility for all activities that occur under your account
Prohibited Uses
You may not use our service for any unlawful purpose or any of the following prohibited activities:
- Using the service for any illegal or unauthorized purpose
- Attempting to harm, harass, or impersonate other users
- Sending unsolicited communications or spam through our service
- Transmitting viruses, malware, or other harmful code
- Impersonating any person or entity or misrepresenting your affiliation
- Interfering with or disrupting the service or servers
Intellectual Property Rights
All content, features, and functionality of our service are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.
All text, graphics, logos, and other materials are copyrighted and may not be reproduced without written permission.
Company names, logos, and service marks are trademarks of their respective owners.
User Generated Content
You retain ownership of any content you provide to us through our service.
By submitting content, you grant us a limited license to use, store, and process that content for the purpose of providing our services.
You are solely responsible for the accuracy and legality of any content you provide.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our service.
By using our service, you consent to the collection and use of information as described in our Privacy Policy. Privacy Policy
Disclaimers
Our service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
Individual results may vary based on personal circumstances, market conditions, and implementation of planning recommendations.
Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our service.
Our total liability to you for any damages shall not exceed the amount you have paid us for our services in the past 12 months.
Indemnification
You agree to defend, indemnify, and hold us harmless from any claims, damages, or expenses arising from your use of our service or violation of these terms.
Dispute Resolution
We are committed to resolving disputes fairly and efficiently:
Arbitration (US Residents)
Any disputes arising from these terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
By agreeing to arbitration, you waive your right to participate in class action lawsuits.
EU Online Dispute Resolution
EU residents may access the European Commission's Online Dispute Resolution platform for resolving disputes.
Termination
We may terminate or suspend your access to our service immediately, without prior notice, for conduct that we believe violates these terms or is harmful to other users or our business.
Upon termination, your right to use our service will cease immediately, but provisions regarding liability and dispute resolution will survive.
Governing Law
These terms shall be governed by and construed in accordance with the laws of the United States and the state where our business is located.
You consent to the jurisdiction of the courts in that location for resolving any disputes.
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Entire Agreement
These terms constitute the entire agreement between you and us regarding your use of our service and supersede any prior agreements.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website.
We will make reasonable efforts to notify users of significant changes to these terms.
Contact Information
Questions about these Terms and Conditions should be sent to us at contact@xandorivalea.com or +1-530-231-1420.
Email: contact@xandorivalea.com
Phone: +1-530-231-1420
Address: 1247 Financial Plaza, Sacramento, CA 95814