Terms of Service

Effective Date: January 1, 2024

Last Updated: January 1, 2024

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of the lynovarent website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Description of Services

lynovarent provides financial literacy education, budgeting guidance, business development consulting, and related financial advisory services. Our services include online courses, one-on-one coaching, group workshops, and educational resources.

3. Eligibility and Account Registration

You must be at least 18 years old to use our services. When creating an account or engaging our services, you agree to provide accurate, complete, and up-to-date information. You are responsible for maintaining the confidentiality of your account credentials.

4. Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You must not:

5. Educational Nature of Services

Our services are educational in nature and are designed to improve financial literacy and knowledge. The information and advice we provide are for educational purposes only and should not be considered as personalized financial, investment, or legal advice specific to your individual circumstances.

6. No Guarantees

We make no representations or warranties about the results you may achieve from using our services. Financial success depends on many factors beyond our control, including individual circumstances, market conditions, and personal actions. We do not guarantee any specific financial outcomes or results.

7. Limitation of Liability

To the maximum extent permitted by law, lynovarent and its affiliates, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of our services, even if we have been advised of the possibility of such damages.

Our total liability to you for all claims arising from or relating to our services will not exceed the amount you paid to us for services in the twelve months preceding the claim.

8. Intellectual Property Rights

All content on our website and in our services, including text, graphics, logos, images, audio clips, and software, is the property of lynovarent or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any of our content without our prior written permission.

9. User-Generated Content

If you submit content to us (such as comments, questions, or testimonials), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content for business purposes, including marketing and promotional activities.

10. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information. By using our services, you consent to our collection and use of your information as described in the Privacy Policy.

11. Payment Terms

If you purchase paid services, you agree to pay all applicable fees as described at the time of purchase. All fees are non-refundable except as required by law or as specifically stated in our refund policy.

We reserve the right to change our pricing at any time, but price changes will not affect services already purchased.

12. Termination

We may terminate or suspend your access to our services at any time, with or without cause, with or without notice. You may also terminate your use of our services at any time by discontinuing use and, if applicable, canceling your account.

Upon termination, your right to use our services will immediately cease, but these Terms will continue to apply to any prior use of our services.

13. Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that our services will be uninterrupted, error-free, or completely secure. You use our services at your own risk.

14. Indemnification

You agree to indemnify, defend, and hold harmless lynovarent and its affiliates, directors, employees, and agents from any claims, damages, losses, costs, or expenses arising from your use of our services, violation of these Terms, or infringement of any rights of another party.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of Australia. Any disputes arising from or relating to these Terms or our services will be resolved through binding arbitration in accordance with Australian arbitration rules, except that either party may seek injunctive relief in court.

16. Security Testing

Security testing of our systems is only permitted with express written authorization from lynovarent. Unauthorized security testing, including but not limited to vulnerability scanning, penetration testing, or other security assessments, is strictly prohibited and may result in legal action.

17. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after changes constitute acceptance of the modified Terms.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. The unenforceable provision will be replaced with an enforceable provision that most closely reflects our original intent.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and lynovarent regarding your use of our services and supersede all prior agreements and understandings.

20. Contact Information

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

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.