Terms of Use

1. Service Description and Scope

noryvexalon provides educational resources and tools for financial goal setting. Our platform helps users understand financial planning concepts, set personal financial goals, and track progress toward those goals.

Here's what we do offer:

• Educational content about financial planning fundamentals and goal setting strategies
• Interactive tools that help you organize and visualize your financial objectives
• Progress tracking features that show how you're moving toward stated goals
• Resources developed by financial education specialists with experience in Australian markets

What we don't offer: We're not financial advisers, investment managers, or licensed financial planners. Nothing on our platform constitutes personalized financial advice. We don't manage money, recommend specific investments, or guarantee any financial outcomes. Always consult qualified professionals for advice specific to your situation.

2. User Eligibility and Account Responsibilities

You must be at least 18 years old to use noryvexalon's services. By creating an account, you confirm you meet this requirement and have the legal capacity to enter into binding agreements under Australian law.

Account Security

Your account credentials are yours alone. Don't share your password, and contact us immediately if you suspect unauthorized access. You're responsible for all activity that occurs under your account, whether authorized by you or not.

We reserve the right to terminate accounts that violate these terms, remain inactive for extended periods, or show signs of fraudulent activity.

Accurate Information

Provide truthful information when creating your account and using our services. While we don't verify every detail you enter, misleading information affects the usefulness of our tools and may violate these terms.

3. Acceptable Use and Prohibited Activities

noryvexalon works because users respect the platform and each other. When you use our services, you agree not to:

• Attempt to access other users' accounts or data without authorization
• Upload malicious code, viruses, or anything designed to harm our systems or other users
• Use automated systems (bots, scrapers, crawlers) to access our services without permission
• Reverse engineer, decompile, or attempt to extract source code from our platform
• Resell, redistribute, or commercialize access to noryvexalon's services without written agreement
• Use our platform for illegal activities or to violate others' rights
• Impersonate noryvexalon staff, other users, or any person or entity
• Post or transmit content that infringes intellectual property rights

We monitor for suspicious activity and take violations seriously. Depending on severity, we may warn users, suspend accounts, or terminate access entirely.

4. Intellectual Property Rights

noryvexalon owns or licenses all content on our platform, including text, graphics, software, educational materials, logos, and design elements. This content is protected by Australian and international copyright, trademark, and other intellectual property laws.

Using our services doesn't transfer any ownership rights to you. You may access and use our platform for personal, non-commercial purposes as outlined in these terms. You may not copy, modify, distribute, sell, or create derivative works from our content without explicit written permission.

User-Generated Content

When you input data, create goals, or add notes within noryvexalon, you retain ownership of that content. However, you grant us a limited license to store, process, and display this content as necessary to provide our services. We don't claim ownership of your personal financial information or goal data.

5. Privacy and Data Handling

We take your privacy seriously. Our separate Privacy Policy explains how we collect, use, store, and protect your information. By using noryvexalon, you agree to our data practices as described in that policy.

Key points worth noting here:

• We collect only information necessary to provide and improve our services
• Your financial goal data remains confidential and isn't shared with third parties except as required by law or explicitly stated in our Privacy Policy
• We use reasonable security measures to protect your data, but no system is completely secure
• You can request access to your data or account deletion by contacting us

If you're based in Australia, you have rights under the Privacy Act 1988. Our Privacy Policy provides details about exercising these rights.

6. Service Modifications and Availability

noryvexalon continues to develop. We regularly update our platform, add features, modify existing tools, and occasionally remove functionalities that no longer serve users well.

We don't guarantee uninterrupted access to our services. Scheduled maintenance, unexpected technical issues, or circumstances beyond our control may temporarily affect availability. We'll communicate significant planned outages when possible, but emergency maintenance may occur without advance notice.

We reserve the right to modify or discontinue any aspect of noryvexalon at any time, with or without notice. While we don't take such decisions lightly, we can't guarantee any specific feature will remain available indefinitely.

7. Disclaimers and Limitation of Liability

Let's be clear about what you can and can't expect from noryvexalon.

Service Provided "As Is"

noryvexalon is provided without warranties of any kind, whether express or implied. We don't warrant that our services will be error-free, secure, or continuously available. We don't guarantee specific results from using our platform.

Not Financial Advice

Our educational content and tools don't constitute financial advice. We don't know your individual circumstances, goals, or risk tolerance. Before making significant financial decisions, consult qualified professionals who can provide personalized guidance.

Limitation of Liability

To the maximum extent permitted by Australian law, noryvexalon and its directors, employees, and affiliates won't be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services. This includes loss of profits, data, or opportunities, even if we've been advised of such possibilities.

Where Australian Consumer Law or other legislation implies warranties that cannot be excluded, our liability is limited to re-supplying the services or paying the cost of having the services re-supplied, at our option.

8. Indemnification

You agree to indemnify and hold noryvexalon harmless from claims, damages, losses, and expenses (including reasonable legal fees) arising from:

• Your use of our services in violation of these terms
• Your violation of any law or rights of third parties
• Content you submit or transmit through our platform
• Any unauthorized access to your account resulting from your failure to safeguard credentials

This indemnification survives termination of your account or these terms.

9. Payment Terms and Refunds

If you subscribe to paid features on noryvexalon, you agree to pay all applicable fees as described at the time of purchase. Prices are in Australian dollars unless otherwise stated.

Billing and Renewals

Subscription fees are billed in advance on a recurring basis (monthly or annually, depending on your selection). Your subscription automatically renews unless you cancel before the renewal date. We'll charge your payment method on file for each renewal period.

Refund Policy

We offer refunds within 14 days of initial purchase if you're not satisfied with our services. After 14 days, all fees are non-refundable. Refunds aren't available for partial subscription periods if you cancel mid-cycle.

To request a refund, contact support@noryvexalon.com with your account details and reason for the request. We'll process approved refunds within 10 business days.

10. Termination

You can stop using noryvexalon anytime by closing your account through your account settings or contacting us directly. Upon termination, your right to access our services ends immediately.

We reserve the right to suspend or terminate your account if you violate these terms, engage in fraudulent activity, or for other legitimate reasons. We'll typically provide notice before termination unless circumstances require immediate action (such as legal requirements or security concerns).

After account termination, we'll retain some information as required by law or legitimate business purposes, as detailed in our Privacy Policy. You can request data deletion subject to these requirements.

11. Governing Law and Dispute Resolution

These terms are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of noryvexalon will be subject to the exclusive jurisdiction of courts in New South Wales.

Informal Resolution

Before initiating formal legal proceedings, please contact us to resolve the issue informally. Many disputes can be resolved through straightforward communication. We commit to working in good faith toward mutually acceptable solutions.

Class Actions

To the extent permitted by law, you agree to bring claims against noryvexalon only in your individual capacity, not as part of any class or representative action.

12. Changes to These Terms

We update these terms occasionally to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we'll notify you through email or prominent notice on our platform.

Your continued use of noryvexalon after terms are updated constitutes acceptance of the modified terms. If you don't agree with changes, stop using our services and close your account.

The "Last Updated" date at the top of this document shows when terms were most recently revised. We encourage reviewing these terms periodically to stay informed about your rights and obligations.

13. General Provisions

Entire Agreement

These terms, along with our Privacy Policy and any additional agreements for specific services, constitute the complete agreement between you and noryvexalon regarding use of our platform.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect. Unenforceable provisions will be modified to the minimum extent necessary to make them enforceable while preserving their intent.

Waiver

Our failure to enforce any provision doesn't waive our right to enforce it later. Waivers must be in writing and signed by noryvexalon to be effective.

Assignment

You can't transfer or assign your rights under these terms without our written consent. We may assign these terms in connection with a merger, acquisition, or sale of assets with notice to you.