Clear terms for calm, transparent use
These Terms explain how you may use the Keldravnige website and information services, what we provide, and what we ask of you in return.
Written to be read, not skimmed past
By accessing or using the Keldravnige website, you agree to these Terms. If you do not agree, please do not use the site.
This page sets out the agreement between you and Keldravnige for use of the public website and the general information we publish about our approach to AI-supported data analysis for retirement planning. It is organised by topic so you can find what you need quickly.
- ✓Start with Section 2: what we do and do not provide.
- ✓See Section 5: acceptable use of the site and content.
- ✓See Section 9: how we change these Terms.
Plain-language terms for the Keldravnige website and informational content.
1. Introduction and acceptance
These Terms of Service (“Terms”) govern your access to and use of the Keldravnige website, including pages at index.html, advantages.html, why-choose-us.html, faq.html, contact.html, privacy.html and terms.html (collectively, the “Site”).
By visiting, browsing, or submitting information through the Site, you confirm that you have read, understood, and agree to be bound by these Terms. These Terms are supplemented by our Privacy Policy, which explains how we handle information submitted through the Site.
If you are using the Site on behalf of another person or household, you confirm that you have permission to do so and that you accept these Terms on your own behalf in connection with that use.
2. What Keldravnige provides
Keldravnige provides general educational information about AI-supported data analysis for measured, diversified portfolio decisions in retirement. Content on the Site may describe analytical approaches, planning considerations, and how to request further information via the contact page or the form on the home page.
We do not promise any investment result, income level, risk level, or suitability outcome. Any examples, illustrations, or descriptions of analysis are illustrative of a process, not a prediction of performance.
3. Eligibility
The Site is intended for adults who are able to enter into these Terms. You agree to use the Site only where access to general informational content of this kind is permitted.
You are responsible for providing accurate information if you choose to contact us, for example through contact.html. You are not required to create an account to browse the Site.
4. Acceptable use
You agree to use the Site lawfully and respectfully. In particular, you agree that you will not:
- use the Site in a way that interferes with its normal operation or other visitors’ use;
- attempt to gain unauthorised access to any part of the Site or related systems;
- copy, scrape, or systematically collect content from the Site for republication or for building a competing service;
- misrepresent Keldravnige, or imply endorsement or affiliation where none exists;
- submit false, misleading, or unlawful material through forms or messages;
- use the Site to transmit harmful code, spam, or abusive communications.
We may restrict or discontinue access for activity that we reasonably consider to breach these Terms or to harm the Site, its visitors, or Keldravnige.
5. Content and intellectual property
Unless otherwise stated, the text, layout, graphics, and explanatory materials on the Site are owned by or licensed to Keldravnige and are protected by applicable intellectual property rules. You may view, download, and print pages for your own personal, non-commercial use.
You may not reproduce, distribute, modify, or create derivative works from Site content for public or commercial purposes without our prior written permission, except where limited quotation with attribution is permitted by law.
Any feedback or general suggestions you voluntarily share about the Site may be used by Keldravnige to improve clarity and usability, without obligation to you.
6. Availability, accuracy, and changes to the Site
We aim to keep the Site available and the information accurate and up to date, but we do not guarantee that the Site will be uninterrupted, error-free, or complete at all times. Content may be updated, simplified, or removed as our explanations and presentation improve.
Descriptions of our approach on pages such as Advantages and Why choose us explain how we think about analysis and support. They do not describe a regulated service, a client account, or guaranteed access to any tool or review.
Links within the Site lead only to the pages listed in our site inventory. We do not provide downloads, client portals, or account screens through these Terms.
Contents
Jump to a section on this page:
No advice relationship
Browsing the Site, reading our explanations, or sending an enquiry does not by itself create an advisory, fiduciary, or client relationship with Keldravnige.
Related pages
Using the Site with shared expectations
These sections explain limits on liability, suspension of access, and how updates to these Terms are communicated.
7. Liability
To the maximum extent permitted by applicable law, Keldravnige is not liable for loss or damage arising from reliance on general information on the Site, from inability to access the Site, or from decisions you make about retirement or investments. Nothing in these Terms limits liability where such limitation is not permitted by law. You remain responsible for evaluating information in light of your own circumstances and, where appropriate, for obtaining independent professional advice.
8. Suspension and termination
We may suspend or discontinue the Site or any part of it at any time, for example for maintenance, clarification, or to address misuse. We may also restrict access by a visitor who breaches these Terms. Sections concerning intellectual property, liability, and acceptance of information-only use continue to apply after such suspension or discontinuation.
9. Changes to these Terms
We may update these Terms from time to time to reflect changes in the Site or in how we describe our information services. The version in force is the version published at terms.html, marked with its effective date. By continuing to use the Site after an update, you agree to the updated Terms. For material changes, we will update the effective date shown at the top of this page.
10. Contact and questions
If you have questions about these Terms or about information on the Site, please use the contact page. For background on our approach before you write, you may find and Why choose us helpful. This is the preferred route for enquiries relating to these Terms.
Agree with these Terms? Explore further.
If these Terms are acceptable to you, you are welcome to continue browsing our explanations and to get in touch with a question.
Check your fit View Advantages
Continued use of the Site confirms acceptance of these Terms and the Privacy Policy.
Summary of key points
This summary is for convenience only. The full text above governs.
- ✓Site content is general information, not financial advice.
- ✓Use the Site lawfully and for personal, non-commercial reading.
- ✓No investment outcome is promised or implied.
- ✓Questions? Use the contact page.