Terms and Conditions

1. Agreement to Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use of Service

Our financial planning subscription service is provided subject to your compliance with these terms. You agree to use the service only for lawful purposes and in accordance with these Terms.

You agree not to:

• Use the service for any unlawful purpose or to solicit others to perform unlawful acts
• Violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others
• Submit false or misleading information

3. Subscription Terms

Your subscription to our financial planning service is subject to the following terms:

• Subscriptions are billed on a monthly basis
• Payment is due at the beginning of each billing cycle
• You may cancel your subscription at any time
• No refunds for partial months of service

4. User Responsibilities

As a user of our service, you are responsible for:

• Maintaining the confidentiality of your account and password
• Providing accurate and complete information
• Notifying us immediately of any unauthorized use of your account
• Complying with all applicable laws and regulations

5. Intellectual Property Rights

The service and its original content, features, and functionality are and will remain the exclusive property of Loraventhalo SARL and its licensors. The service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

6. Privacy Policy

Your use of our service is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the site and informs users of our data collection practices.

7. Disclaimers

The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, this company:

• Excludes all representations and warranties relating to this website and its contents
• Excludes all liability for damages arising out of or in connection with your use of this website

8. Limitation of Liability

In no event shall Loraventhalo SARL, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

9. Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

10. Dispute Resolution — Arbitration / EU ODR Platform

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which our company operates, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

13. Contact Information

If you have any questions about these Terms, please contact us at: