Terms and Conditions of Service

Acceptance of Terms

By accessing and using lytheraqora financial planning services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

These terms constitute a legally binding agreement between you and lytheraqora regarding your use of our financial planning subscription service and website.

You must be at least 18 years old to use our services. By agreeing to these terms, you represent that you meet this age requirement.

Description of Services

lytheraqora provides subscription-based financial planning consultation services including personalized guidance, strategic analysis, and ongoing support for your financial goals and decisions.

Services are provided through scheduled consultations, digital planning tools, and ongoing communication with our financial planning professionals.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice to active subscribers.

Your Responsibilities and Obligations

As a user of our financial planning services, you agree to meet certain responsibilities and maintain appropriate conduct throughout your relationship with lytheraqora.

• Provide accurate, complete, and truthful information about your financial situation, goals, and personal circumstances
• Maintain the security and confidentiality of your account login credentials and notify us immediately of any unauthorized access
• Use our services only for lawful purposes and in compliance with all applicable federal, state, and local regulations
• Ensure that any information you share with us is accurate and does not violate any third-party rights or confidentiality obligations
• Respect the intellectual property rights of lytheraqora and third parties when using our planning tools and resources

Prohibited Uses and Activities

To maintain the integrity and security of our financial planning services, certain activities are strictly prohibited when using our platform or services.

• Using our services for any illegal activities, fraud, money laundering, or other criminal purposes
• Uploading, sharing, or transmitting malicious software, viruses, or other harmful content through our systems
• Sending unsolicited communications, spam, or promotional materials through our platform or to our staff
• Attempting to disrupt, hack, or gain unauthorized access to our systems, databases, or other users' accounts
• Accessing areas of our platform or services that you are not authorized to use or attempting to bypass security measures
• Impersonating our staff, other users, or any third party, or misrepresenting your identity or affiliation

Intellectual Property Rights

lytheraqora retains all rights, title, and interest in our financial planning methodologies, software, content, trademarks, and other intellectual property used in our services.

We grant you a limited, non-exclusive, non-transferable license to use our services for personal financial planning purposes during your active subscription period.

You retain ownership of personal information you provide but grant us necessary rights to use this information to deliver our financial planning services.

We respect intellectual property rights and expect users to do the same. Report any suspected copyright infringement to our legal team for investigation.

Privacy and Data Protection

Your privacy is important to us. Our comprehensive Privacy Policy, incorporated by reference into these terms, details how we collect, use, and protect your information.

We collect only information necessary to provide effective financial planning services and maintain our professional relationship with you.

We implement appropriate technical and organizational measures to protect your personal and financial information from unauthorized access, use, or disclosure.

Payment Terms and Billing

Our financial planning subscription is billed monthly at $250 per month, charged automatically to your designated payment method on the same date each billing cycle.

We may adjust subscription pricing with 30 days advance notice to existing subscribers. Price changes apply to subsequent billing cycles after the notice period.

Refunds are not provided for unused portions of subscription periods. You may cancel your subscription at any time to prevent future charges.

Contact our billing department within 30 days if you believe there is an error in your charges. We will investigate and resolve legitimate billing disputes promptly.

Disclaimers and Limitations

Our financial planning services are provided "as is" without warranties of any kind, either express or implied, regarding outcomes, results, or suitability for specific purposes.

We make no guarantees about the accuracy, completeness, or reliability of financial planning recommendations, and individual results may vary significantly.

Our total liability for any claims related to our services is limited to the amount you paid for subscription fees in the 12 months preceding the claim.

You agree to indemnify and hold harmless lytheraqora from claims, damages, or losses arising from your use of our services or violation of these terms.

Termination of Services

You may terminate your subscription at any time by contacting our customer service team or through your account settings. Termination is effective at the end of your current billing cycle.

We may terminate your access to our services for violation of these terms, non-payment, or other legitimate business reasons with appropriate notice.

Upon termination, your access to financial planning services will cease, though you retain access to previously received planning documents and recommendations.

Provisions regarding intellectual property, indemnification, limitation of liability, and governing law survive termination of these terms and your subscription.

Dispute Resolution and Legal Process

We prefer to resolve disputes through direct communication, but formal procedures are available if needed to address conflicts related to our financial planning services.

Governing Law and Jurisdiction

All disputes and legal matters shall be governed by federal and state laws of the United States, without regard to conflict of law principles.

These terms and any disputes related to our financial planning services are governed by the laws of the United States without regard to conflict of law principles.

Any legal proceedings not subject to arbitration will be conducted in courts of competent jurisdiction within the United States.

General Legal Provisions

Changes to Terms and Conditions

We may update these Terms and Conditions periodically to reflect changes in our services, legal requirements, or business practices.

We will notify you of material changes through email, website notices, or other appropriate communication methods. Continued use of our services constitutes acceptance of updated terms.

Continued use of our financial planning services after term modifications constitutes acceptance of the updated agreement.

Contact Information for Legal Matters

For questions about these Terms and Conditions, legal matters, or disputes related to our financial planning services, contact us using the information provided below.