1. Acceptance of Terms

By accessing and using avornilotheqs's budget preparation platform at avornilotheqs.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and avornilotheqs, a financial services platform operating in Canada. If you do not agree with any part of these terms, you must discontinue use of our services immediately.

Your continued use of our platform following any modifications to these terms will constitute your acceptance of such changes. We reserve the right to update these terms at any time, and users will be notified of significant changes through email or platform notifications.

2. Description of Services

avornilotheqs provides comprehensive budget preparation tools and financial planning resources designed to help individuals and businesses manage their finances effectively. Our platform offers budget tracking, expense categorization, financial goal setting, and educational resources about personal finance management.

Our services are provided on an "as is" basis, and we make no guarantees about specific financial outcomes or results from using our platform.

3. User Obligations and Responsibilities

Users must provide accurate, complete, and current information when creating accounts and using our services. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Users must not use our platform for any illegal activities, including but not limited to money laundering, fraud, or tax evasion. Any suspicious activity will be reported to appropriate authorities as required by Canadian financial regulations.

4. Privacy and Data Protection

We collect and process personal financial information in accordance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA). Your financial data is encrypted and stored securely on Canadian servers.

Users have the right to access, correct, or delete their personal information at any time through their account settings or by contacting our support team. Data retention periods comply with Canadian financial record-keeping requirements.

5. Intellectual Property Rights

All content, software, tools, and materials provided through the avornilotheqs platform are protected by Canadian and international intellectual property laws. This includes but is not limited to text, graphics, logos, software code, and educational materials.

Users are granted a limited, non-exclusive, non-transferable license to use our platform for personal or business budget preparation purposes. This license does not permit redistribution, modification, or commercial use of our proprietary materials without written permission.

6. Financial Disclaimers

avornilotheqs provides budget preparation tools and educational resources but does not provide personalized financial advice, investment recommendations, or professional financial planning services. Users should consult with qualified financial advisors for specific financial decisions.

We make no guarantees about financial outcomes, debt reduction, or savings achievements through use of our platform. All financial projections and calculations are estimates based on user-provided data and should be verified independently.

7. Limitation of Liability

avornilotheqs's liability for any damages arising from use of our platform is limited to the amount paid by the user for services in the twelve months preceding the claim. We are not liable for indirect, incidental, or consequential damages including lost profits or financial losses.

Our platform depends on third-party services for certain features. We are not responsible for service interruptions, data breaches, or technical issues caused by external providers beyond our reasonable control.

8. Termination and Account Suspension

Either party may terminate this agreement at any time with appropriate notice. Users may close their accounts through platform settings or by contacting support. avornilotheqs reserves the right to suspend or terminate accounts for violations of these terms.

Upon termination, user access to the platform ceases immediately, but certain provisions regarding privacy, intellectual property, and liability survive termination as applicable under Canadian law.

9. Governing Law and Dispute Resolution

These terms are governed by the laws of the Province of Quebec and Canada. Any disputes arising from these terms or use of our platform will be resolved through binding arbitration in Quebec, following the rules of the Canadian Arbitration Association.

Before initiating formal dispute resolution, parties agree to attempt good faith negotiations for a period of 60 days. Users may also file complaints with applicable regulatory bodies including the Office of the Privacy Commissioner of Canada for privacy-related issues.

10. Modifications and Updates

avornilotheqs reserves the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated to users at least 30 days in advance through email notifications and platform announcements.

Continued use of the platform after notification of changes constitutes acceptance of updated terms. Users who disagree with modifications may terminate their accounts without penalty during the notice period.

Minor technical updates, security improvements, or clarifications may be made without advance notice, but will not materially affect user rights or obligations under these terms.