lythenovaris - Master Your Budget Planning Skills

1. Agreement Acceptance

By accessing or using lythenovaris's budget planning services, website, or related materials, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. This agreement becomes effective immediately upon your first use of our services or website.

If you do not agree with any portion of these terms, you must discontinue use of our services immediately.

These terms apply to all users, including visitors, registered users, and clients who have engaged our financial planning services. We reserve the right to refuse service to anyone for any reason at any time.

2. Service Description and Limitations

Financial Planning Services

lythenovaris provides budget planning, financial analysis, and related advisory services to individuals and businesses in Australia. Our services include budget creation, expense tracking guidance, financial goal setting, and general financial planning advice.

Budget analysis and planning recommendations
Expense categorisation and tracking systems
Financial goal setting and milestone planning
Cash flow analysis and projections
General financial literacy education

Service Limitations

Our services are for educational and planning purposes only. We do not provide investment advice, tax planning, legal counsel, or guaranteed financial outcomes. All recommendations are general in nature and should be considered alongside advice from qualified professionals.

Results may vary significantly based on individual circumstances, market conditions, and implementation of recommendations. Past performance or example outcomes do not guarantee future results.

3. User Obligations and Responsibilities

Provide accurate and complete information when using our services or creating accounts
Maintain confidentiality of login credentials and account information
Use services only for lawful purposes and in accordance with these terms
Notify us immediately of any unauthorised use of your account
Respect intellectual property rights of lythenovaris and third parties
Refrain from attempting to gain unauthorised access to our systems
Not interfere with or disrupt our services or servers
Comply with all applicable Australian laws and regulations

Information Accuracy

You understand that the quality of our advice depends largely on the accuracy and completeness of information you provide. Incomplete or incorrect information may result in unsuitable recommendations that could impact your financial situation.

4. Privacy and Data Protection

Information Collection

We collect personal and financial information necessary to provide effective budget planning services. This may include income details, expense records, financial goals, and contact information.

Information Type	Purpose	Retention Period
Personal Details	Service delivery and communication	7 years after service completion
Financial Information	Budget planning and analysis	7 years or as required by law
Usage Data	Service improvement	2 years from collection

Data Security

We implement reasonable security measures to protect your information, including encryption of sensitive data and secure server storage. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

5. Payment Terms and Refund Policy

Payment Processing

Payment for services is due according to the terms specified in your service agreement. We accept various payment methods and process payments through secure third-party providers compliant with Australian financial regulations.

Initial consultations require payment before service delivery
Ongoing services may be billed monthly or as agreed
Late payments may result in service suspension
All prices are in Australian dollars unless otherwise specified

Refund Conditions

Refunds are considered on a case-by-case basis within 14 days of service delivery, provided you have not received substantial benefit from our recommendations. Refunds for ongoing services are prorated based on services already provided.

6. Intellectual Property Rights

All content, methodologies, tools, and materials provided by lythenovaris remain our intellectual property. This includes budget templates, analysis frameworks, educational materials, and proprietary planning processes.

Permitted Use

Personal use of materials for your own financial planning
Implementation of recommendations in your personal or business finances
Sharing general concepts with immediate family members

Prohibited Activities

Reproduction or distribution of our materials without permission
Commercial use of our methodologies or tools
Reverse engineering of our planning software or systems
Creating derivative works based on our intellectual property

7. Disclaimers and Limitation of Liability

Important: Our services are provided on an "as is" basis without warranties of any kind, either express or implied.

Service Disclaimers

While we strive to provide accurate and helpful financial guidance, we make no guarantees about specific outcomes, results, or the suitability of our recommendations for your particular situation. Financial markets and personal circumstances can change rapidly, affecting the relevance of our advice.

Liability Limitations

To the maximum extent permitted by Australian law, lythenovaris's total liability for any claims arising from our services shall not exceed the amount you paid for those services in the 12 months preceding the claim.

We are not liable for indirect, consequential, or punitive damages
Business interruption or lost profits are excluded from our liability
We are not responsible for third-party actions or market changes
Technical issues or service interruptions do not create liability beyond service credit

8. Termination and Suspension

Either party may terminate services with reasonable notice. We reserve the right to immediately suspend or terminate access for violations of these terms, non-payment, or behaviour that threatens the security of our systems or other users.

Termination Process

Standard termination requires 30 days written notice
Immediate termination may occur for serious breaches
Account data will be retained according to legal requirements
Outstanding payments remain due after termination
Confidentiality obligations survive termination

Post-Termination

Upon termination, your right to use our services ceases immediately. We may provide a reasonable transition period to retrieve your personal data, subject to technical limitations and legal requirements.

9. Governing Law and Dispute Resolution

These terms are governed by the laws of Queensland, Australia, and any disputes will be resolved in the courts of Queensland. We encourage resolving disputes through direct communication before pursuing formal legal action.

Dispute Resolution Process

Initial contact with our support team to discuss concerns
Formal complaint through our designated complaints process
Mediation through agreed third-party if direct resolution fails
Legal action as a final resort in Queensland courts

Most disputes can be resolved quickly through honest communication. We're committed to finding fair solutions that respect both parties' interests.

10. Changes and Updates

We may update these terms periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated through email or prominent website notices at least 30 days before implementation.

Notification Methods

Email notifications to registered users
Website banner announcements for major changes
Account dashboard notifications
Updated effective date on this terms page

Continued use of our services after changes take effect constitutes acceptance of the updated terms. If you disagree with modifications, you should discontinue service use before the effective date.

Terms of Use