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Terms & Conditions

Effective Date: November 1, 2024

Welcome to NIOSMO! By using our website and services, including the PulseCheck financial health assessment, you agree to abide by the terms and conditions outlined below. Please read these terms carefully, as they govern your access to and use of our services. If you do not agree to these terms, please refrain from using our website.

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1. Acceptance of Terms

By accessing or using the NIOSMO website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as any applicable laws and regulations. NIOSMO reserves the right to modify these terms at any time, and any changes will be effective immediately upon posting.

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2. Services Provided

NIOSMO provides various financial wellness tools, including the PulseCheck, which assesses your financial health based on the information you provide. The purpose of PulseCheck is to give you insights into your financial habits and overall financial wellness. It is intended for informational purposes only and is not a substitute for professional financial advice.

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3. No Financial Advice

NIOSMO does not offer financial advice. The PulseCheck is a general assessment tool and should not be considered a financial product, financial advice, or a recommendation under the Corporations Act 2001 (Cth). As per Australian financial law, NIOSMO is not a licensed financial advisor, and no information provided on our website or through the PulseCheck should be relied upon as such.

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Important: Before making any financial decisions based on information provided by NIOSMO, we recommend consulting a qualified financial advisor who can consider your unique financial situation.

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4. User Responsibilities

By using the NIOSMO website and services, you agree to:

  • Provide accurate and up-to-date information as required in the PulseCheck questionnaire or other sections of the site.

  • Use our services for personal, non-commercial purposes only.

  • Refrain from reproducing, distributing, or otherwise using our content for commercial gain without prior written permission.

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5. Limitations of Liability

To the maximum extent permitted by law, NIOSMO and its affiliates, officers, directors, employees, and agents will not be liable for any damages arising from:

  • Your use of the PulseCheck or reliance on its results.

  • Any errors, omissions, interruptions, or delays in the website’s functionality.

  • Decisions made based on any information or tools provided by NIOSMO.

You acknowledge that using NIOSMO’s website and services is at your own risk. NIOSMO’s liability for any claims arising from your use of the website is limited to the fullest extent permitted by applicable law.

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6. Third-Party Links and Partners

Our website may contain links to third-party websites or partners who offer products and services related to financial health. NIOSMO does not endorse or guarantee any third-party services, and we are not responsible for the accuracy, content, or privacy practices of third-party websites. Any interactions with third-party partners are solely at your discretion and risk.

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7. Intellectual Property

All content on the NIOSMO website, including text, graphics, logos, and software, is the property of NIOSMO and protected by copyright and other intellectual property laws. You agree not to use, reproduce, or distribute any content without prior written permission from NIOSMO.

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8. Privacy

Your privacy is important to us. By using our website, you agree to our Privacy Policy, which outlines how we collect, use, and protect your information. Please refer to our Privacy Policy for more information.

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9. Governing Law

These Terms and Conditions are governed by the laws of the state of New South Wales and the federal laws of Australia. By using our website, you consent to the jurisdiction of Australian courts for any disputes that may arise from your use of NIOSMO’s services.

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10. Conduct on the Forum

NIOSMO’s forum is a place for users to connect, share insights, and support one another on their financial wellness journey. By participating in the forum, you agree to uphold respectful and constructive communication. The following guidelines apply to all forum users:

  • Respectful Communication: Treat other members with respect and kindness. Harassment, bullying, and personal attacks are strictly prohibited.

  • Relevant Content: Share information and comments that are relevant to financial wellness and the topics discussed. Off-topic or spam posts may be removed.

  • No Offensive Language: Avoid using any profane, vulgar, or discriminatory language. Offensive or harmful language will not be tolerated.

  • Prohibited Content: Do not post or share any content that is illegal, obscene, threatening, or that violates any third-party rights.

  • Protect Personal Information: For your safety, do not share personal financial information, passwords, or any sensitive data on the forum.

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NIOSMO reserves the right to monitor, edit, or delete any content that violates these guidelines or the spirit of the forum. Repeated violations may result in restricted access or removal from the forum. Let’s work together to maintain a positive and supportive community where everyone feels valued and safe.

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11. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at:

NIOSMO
support@niosmo.com
 

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Thank you for choosing NIOSMO. By using our tools and resources, you are taking an important step toward understanding and improving your financial wellness. We are here to support you every step of the way.

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