These Terms and Conditions govern access to and use of riquenta.com and any budgeting tools, content or services made available on or through the site. By accessing or using riquenta.com, the user confirms that they have read, understood and agree to be bound by these Terms, together with the Privacy Policy, Cookie Policy and Disclaimer. Users who do not agree should discontinue use of the site and associated services.

### 2. Nature of the service

Riquenta.com is operated to provide general tools and information to assist with personal monthly budgeting, including tracking income, categorising expenses and setting spending limits. The service does not provide personal financial, legal, tax or accounting advice, and it does not assess a user’s specific situation. Any decisions made using information or tools from the site remain the sole responsibility of the user.

To use certain features, users may be required to create an account with accurate, current and complete information. Users are responsible for maintaining the confidentiality of login details, restricting access to their devices and promptly notifying the Company of any suspected unauthorised use. Accounts may not be shared in a way that breaches these Terms or applicable law.

Users agree to use riquenta.com only for lawful purposes and in accordance with these Terms. Prohibited conduct includes attempting to interfere with site functionality, introducing malicious code, misusing data belonging to others, circumventing access controls, or using the service in a way that could harm the Company, other users or third parties. The Company may suspend or terminate access where misuse is suspected, subject to applicable law.

The content, design, logos, text, graphics and underlying software on riquenta.com are protected by intellectual property laws. Subject to these Terms, users are granted a limited, non exclusive and revocable licence to access and use the site for personal, non commercial purposes. Users may not copy, modify, distribute, sell or create derivative works from any part of the site without prior written permission, except where allowed by law.

The Company aims to provide riquenta.com with reasonable care and skill but does not guarantee that the site will be available at all times, free from errors or suitable for every purpose. To the maximum extent permitted by law, all warranties and conditions are excluded, and the Company is not liable for indirect or consequential loss arising from use of, or inability to use, the site. Where liability cannot be excluded but may be limited, it will be restricted to the extent permitted by applicable law.

### 7. User responsibilities

Users are responsible for ensuring that any information they enter into the budgeting tools is accurate and for regularly reviewing their own financial situation. Any examples, projections or summaries generated by the service are illustrative only and based on the data provided by the user. Results may vary, and past performance does not guarantee future results. Users should consider seeking independent professional advice before making significant financial decisions.

The Company may update, modify or discontinue any part of riquenta.com, including these Terms, from time to time. Changes take effect when published on the site, unless a later date is stated. Continued use of riquenta.com after changes are posted constitutes acceptance of the updated Terms. Users are encouraged to review this page periodically to stay informed about current conditions.

### 9. Governing law and severability

These Terms and any dispute arising out of or in connection with riquenta.com are governed by the laws in force in Australia, subject to any mandatory provisions of local law that apply. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect, interpreted so as to best reflect the original intent within the limits of applicable law.

The handling of personal data in connection with the use of riquenta.com is described in the Privacy Policy and Cookie Policy, which form part of these Terms. Users should review those documents to understand how information may be collected, used, shared and protected. Nothing in these Terms limits rights granted to users under applicable privacy or consumer laws that cannot be excluded.

### 11. Contact and communication

If the user has questions about these Terms or their use of riquenta.com, they may contact the Company through the channels listed on the contact page. The Company will aim to respond within a reasonable time, noting that response times may vary and no specific outcome or timeframe can be promised.