By accessing or using the praxilonvera budgeting platform at praxilonvera.com, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this site.

These terms apply to all users of the site, including browsers, customers, merchants, contributors of content, and anyone else who accesses the service.

praxilonvera provides an online budgeting platform designed to help Australian users manage their personal finances through digital tools and educational resources. Our service includes budget tracking capabilities, financial planning tools, and educational content.

Service Features

• Personal budget creation and management tools
• Expense tracking and categorization features
• Financial goal setting and progress monitoring
• Educational resources about budgeting and financial planning
• Data export and reporting functions

We reserve the right to modify, suspend, or discontinue any aspect of our service at any time without prior notice. This includes adding or removing features, changing pricing structures, or updating platform functionality.

As a user of our platform, you agree to provide accurate, current, and complete information during registration and to update such information to maintain its accuracy. You are responsible for maintaining the confidentiality of your account credentials.

Prohibited Activities

• Using the service for any unlawful purpose or in violation of applicable regulations
• Attempting to gain unauthorized access to our systems or other user accounts
• Uploading malicious code, viruses, or harmful software
• Sharing false or misleading information about your financial situation
• Using automated systems to scrape or harvest data from our platform
• Reverse engineering or attempting to extract our proprietary algorithms

You must be at least 18 years old to use our service. If you are under 18, you may only use the platform under parental or guardian supervision.

We take your privacy seriously and handle your financial information according to Australian privacy laws and regulations. Our data collection and usage practices are detailed in our separate Privacy Policy.

Data Security

We implement industry-standard security measures to protect your information, including encryption, secure data transmission, and regular security audits. However, no system is completely secure, and we cannot guarantee absolute protection against all potential threats.

You agree to notify us immediately of any suspected unauthorized access to your account or any security breach you become aware of.

Our platform provides budgeting tools and educational content for informational purposes only. We do not provide personalized financial advice, and our tools should not be considered as professional financial consulting.

Accuracy of Information

While we strive to ensure the accuracy of our tools and educational content, we make no warranties about the completeness or reliability of any information provided. Financial regulations and best practices can change, and users should verify information independently.

• Budget calculations are based on data you provide and may not reflect all financial factors
• Educational content is general in nature and may not apply to your specific situation
• Market conditions and financial regulations may affect the relevance of our guidance

All content on our platform, including text, graphics, logos, software, and design elements, is owned by praxilonvera or our content suppliers and is protected by Australian and international copyright laws.

Usage Rights

You are granted a limited, non-exclusive license to access and use our platform for personal budgeting purposes. This license does not include the right to:

• Reproduce, distribute, or create derivative works from our content
• Use our branding, logos, or proprietary design elements
• Sell, license, or otherwise commercialize access to our platform
• Remove or modify copyright notices or proprietary markings

Users retain ownership of the personal financial data they input into our system, while granting us permission to process this data to provide our services.

To the maximum extent permitted by Australian law, praxilonvera and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of our platform.

Service Availability

While we strive to maintain continuous service availability, we do not guarantee uninterrupted access to our platform. Scheduled maintenance, technical issues, or external factors may temporarily affect service availability.

We are not responsible for any financial losses that may result from service interruptions, data processing delays, or technical malfunctions of our platform.

Either party may terminate your access to our service at any time. You may close your account by contacting our support team or using the account deletion feature in your user dashboard.

Grounds for Termination

We reserve the right to suspend or terminate your account if you:

• Violate any provision of these Terms of Use
• Engage in fraudulent or illegal activities
• Pose a security risk to our platform or other users
• Remain inactive for an extended period as defined in our Privacy Policy

Upon termination, your right to use our service ceases immediately. We will retain your data according to our data retention policy and applicable legal requirements, after which it will be securely deleted.

These Terms of Use are governed by the laws of Victoria, Australia, and any disputes arising from these terms or your use of our service will be subject to the exclusive jurisdiction of Victorian courts.

Dispute Resolution Process

Before initiating legal proceedings, we encourage users to contact us directly to resolve any concerns. Many issues can be resolved through direct communication with our customer service team.

If direct resolution is not possible, disputes may be referred to mediation through recognized Australian dispute resolution services before proceeding to court action.

We reserve the right to update these Terms of Use at any time to reflect changes in our service, legal requirements, or business practices. When we make changes, we will update the "Last Updated" date at the top of this document.

Your continued use of our service after changes take effect constitutes acceptance of the revised terms. If you do not agree to the updated terms, you should discontinue using our platform.

Version History

We maintain a record of significant changes to these terms. Users can request information about previous versions by contacting our support team.

If you have questions about these Terms of Use or need clarification about your rights and obligations as a user, please contact us using the information below.

Our customer service team is available during regular business hours (Australian Eastern Standard Time) and aims to respond to all inquiries within two business days.

For urgent security concerns or suspected unauthorized access to your account, please contact us immediately by phone or email with "URGENT SECURITY" in the subject line.