Terms of Use

Welcome to oravellithan, your trusted financial education and budgeting platform. These Terms of Use govern your access to and use of our website, services, and educational resources. By creating an account, accessing our content, or using any of our services, you agree to comply with these terms.

If you do not agree with any part of these terms, you must discontinue use of our platform immediately. We reserve the right to modify these terms at any time, with changes becoming effective upon posting to our website.

To access certain features of our platform, you must create a user account. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

When creating an account, you must provide accurate, complete, and current information. You agree to update your information promptly when changes occur. Creating multiple accounts or sharing account access is strictly prohibited.

• You must be at least 18 years old to create an account
• You are responsible for all account activity and unauthorized access
• You must notify us immediately of any security breaches
• Account sharing or transfer to third parties is not permitted
• You must comply with all applicable laws when using our services

oravellithan provides financial education resources, budgeting tools, and educational content for personal financial management. Our platform is designed to help users develop better financial literacy and budgeting skills through structured learning programs.

You may access and use our educational materials for personal, non-commercial purposes. However, certain activities are strictly prohibited and may result in immediate account termination.

All content provided on oravellithan is for educational purposes only and should not be considered as personalized financial advice. Our budgeting tools, courses, and resources are designed to improve financial literacy but cannot replace professional financial consultation.

We make no guarantees about specific financial outcomes or results from using our educational materials. Individual financial situations vary significantly, and what works for one person may not be suitable for another.

Before making significant financial decisions, we strongly recommend consulting with qualified financial professionals who can provide personalized advice based on your specific circumstances and goals.

We take your privacy seriously and are committed to protecting your personal information. Our privacy practices are detailed in our Privacy Policy, which is incorporated into these terms by reference.

By using our services, you consent to our collection, use, and sharing of your information as described in our Privacy Policy. We implement industry-standard security measures to protect your data, but cannot guarantee absolute security.

You retain ownership of any personal financial data you input into our budgeting tools. We use this information solely to provide our services and improve your user experience, never for unauthorized commercial purposes.

oravellithan owns all intellectual property rights in our platform, including but not limited to our educational content, software, trademarks, logos, and proprietary budgeting methodologies. These materials are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal educational purposes. This license does not permit you to modify, distribute, or create derivative works from our content.

Some of our advanced educational courses and premium features require payment. All fees are clearly displayed before purchase, and payment is required before accessing premium content.

We offer a 14-day satisfaction guarantee on our paid educational courses. If you're not satisfied with a course within 14 days of purchase, contact us for a full refund. Refund requests after this period will be evaluated on a case-by-case basis.

Subscription services will automatically renew unless cancelled before the renewal date. You can manage your subscription settings through your account dashboard or by contacting our support team.

To the maximum extent permitted by law, oravellithan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or services.

Our total liability for any claims related to our services shall not exceed the amount you paid us in the twelve months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

We provide our educational platform "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure.

Either party may terminate this agreement at any time. You may close your account by following the instructions in your account settings or contacting our support team.

We reserve the right to suspend or terminate your account immediately if you violate these terms, engage in fraudulent activity, or use our platform in ways that could harm other users or our services.

Upon termination, your right to access our platform ceases immediately. However, provisions related to intellectual property, limitation of liability, and dispute resolution will survive termination.

These terms are governed by the laws of Ontario, Canada, without regard to conflict of law principles. Any disputes arising from these terms or your use of our platform will be resolved through binding arbitration in Ontario.

Before initiating formal dispute resolution, we encourage you to contact us directly to resolve any issues. Many concerns can be addressed quickly through our customer support team.

If arbitration is necessary, it will be conducted by a single arbitrator in accordance with the Arbitration Act of Ontario. The arbitrator's decision will be final and binding on both parties.