Terms of Use

1 Acceptance of Terms

By accessing and using ivorianthalo's budget monitoring platform at ivorianthalo.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 ivorianthalo, located at 58 Anstruther Rd, Mandurah WA 6210, Australia.

If you do not agree to these terms in their entirety, you must discontinue use of our platform immediately. Your continued use of our services constitutes ongoing acceptance of these terms and any future modifications we may implement.

3 User Responsibilities and Prohibited Conduct

As a user of ivorianthalo's platform, you agree to use our services responsibly and in accordance with applicable laws and regulations. You are responsible for maintaining the confidentiality of your account credentials and all activities that occur under your account.

Prohibited Activities

• Attempting to gain unauthorized access to other user accounts or sensitive platform areas
• Uploading malicious code, viruses, or attempting to disrupt platform functionality
• Using automated tools to scrape data or overload our servers
• Sharing your account credentials with unauthorized individuals
• Misrepresenting your identity or providing false information during registration
• Using the platform for illegal activities or money laundering purposes

You must provide accurate financial information for our monitoring tools to function effectively. Deliberately inputting false data may result in account suspension and termination of services without refund.

4 Privacy and Data Protection

Your privacy is important to us, and we handle your financial data in accordance with Australian privacy laws and international data protection standards. Our comprehensive privacy policy details how we collect, use, and protect your information.

By using our platform, you consent to our data collection practices as outlined in our Privacy Policy. We use industry-standard encryption and security measures to protect your financial information from unauthorized access.

Data Usage Rights

We may use aggregated, anonymized data for platform improvements and industry research purposes. Individual user data will never be sold to third parties or used for marketing purposes without explicit consent.

You retain ownership of your financial data and may request data export or account deletion at any time through your account settings or by contacting our support team.

6 Intellectual Property Rights

All content, features, and functionality on the ivorianthalo platform, including but not limited to software algorithms, user interface design, graphics, and documentation, are owned by ivorianthalo and protected by Australian and international copyright laws.

You are granted a limited, non-exclusive, non-transferable license to use our platform for personal or business budget monitoring purposes. This license does not permit reproduction, distribution, or modification of our proprietary technology.

User-Generated Content

Any budget categories, notes, or customizations you create within the platform remain your intellectual property. However, you grant us permission to process and display this content as necessary to provide our services.

7 Disclaimers and Limitation of Liability

ivorianthalo provides budget monitoring services on an "as is" basis without warranties of any kind. We do not guarantee uninterrupted service, error-free operation, or specific outcomes from using our platform.

• We are not liable for financial decisions made based on platform data or recommendations
• Technical issues, data loss, or service interruptions may occur despite our best efforts
• Third-party integrations may affect platform functionality beyond our control
• Our liability is limited to the amount you paid for services in the 12 months preceding any claim

This limitation applies to all claims, whether based on contract, tort, or other legal theories. Some jurisdictions may not allow certain limitation exclusions, in which case these terms apply to the fullest extent permitted by law.

8 Termination and Account Suspension

Either party may terminate this agreement at any time. You may close your account through your settings panel or by contacting our support team. We reserve the right to suspend or terminate accounts for violations of these terms.

Upon termination, your access to premium features will cease immediately, though you may retain access to basic features for data export purposes for up to 90 days.

Data Retention After Termination

We maintain closed account data for 24 months to comply with financial record-keeping requirements. After this period, all personal data is permanently deleted from our systems unless legal obligations require longer retention.