These terms apply when you use the Viroen chat assistant, on viroen.cc or on a financial firm's website, and when you use viroen.cc. By chatting or using the site, you agree to them. If you don't agree, please don't use the chat. Our Privacy Policy explains how we handle your data.
1. You're talking to an AI
The chat assistant is an AI. It is not a human and not a financial adviser. Its job is to understand what you're looking for and connect you with the firm, whose people may follow up with you.
The assistant can't see or change your accounts, move money or confirm appointments. For anything urgent about an existing account, contact your adviser or the firm directly.
2. No advice
Nothing the assistant says is investment, financial, tax or legal advice, a recommendation to buy, sell or hold anything, or a promise of any return. Always talk to a licensed professional before making financial decisions.
Viroen is a software provider. We are not a financial adviser, broker or registered investment adviser, and we don't give investment, tax or legal advice.
3. The firm is responsible for its services
When you chat on a firm's website, that firm, not Viroen, is responsible for its own services, advice and fees, for the information about itself that it gives the assistant, and for its own regulatory compliance. Any relationship you start as a result of the chat is between you and the firm.
4. Acceptable use
Please don't:
- send spam, or use bots or scripts to send messages;
- send abusive, threatening, harassing or illegal content;
- try to break, overload or hack the assistant, or manipulate it into ignoring its rules (for example with instructions hidden in your messages);
- pretend to be someone else;
- share sensitive financial or identity information, such as account numbers, passwords, government ID numbers or card details.
We limit the length and number of messages and conversations, and we may block access that breaks these rules.
5. No guarantees
The assistant and viroen.cc are provided “as is” and “as available”. AI can make mistakes: answers may be wrong, incomplete or out of date, and the service may be unavailable or interrupted. Don't rely on the chat for anything urgent or important without checking with a person at the firm.
6. Limitation of liability
To the maximum extent allowed by law, Viroen is not liable for any indirect, incidental, special or consequential loss, for losses from decisions you make based on what the assistant said, or for the services of any firm.
Nothing in these terms removes rights you have that the law doesn't allow to be excluded, including the consumer guarantees under the Australian Consumer Law and your rights under Chilean consumer protection law (Ley 19.496).
7. Governing law and disputes
These terms are governed by the laws of Chile. If you have a problem, please email us first at hello@viroen.cc so we can try to fix it. Any dispute we can't resolve will be settled by arbitration before a single arbitrator under the rules of the Centro de Arbitraje y Mediación de Santiago (CAM Santiago). The arbitration will be seated in Santiago, Chile, held online and conducted in English.
This doesn't apply where the consumer law of the place you live gives you the right to bring a claim in your own courts. In that case, you keep that right.
8. Changes and contact
We may update these terms. We'll post changes on this page and update the “Last updated” date at the top. If you keep using the chat after a change, the new terms apply.
Questions: hello@viroen.cc