Terms of Use

1. Acceptance of Terms

By accessing and using the polynarethiq platform at polynarethiq.com, you agree to comply with these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you must discontinue use of our services immediately. These terms create a legally binding agreement between you and polynarethiq Pty Ltd.

Your continued use of our platform after any modifications to these terms constitutes your acceptance of the updated terms. We recommend reviewing these terms periodically to stay informed of any changes.

2. Description of Services

polynarethiq provides budget management software tools and financial planning resources designed to help Australian individuals and businesses manage their finances effectively. Our services include:

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. Service availability may vary based on your location and local regulations.

3. User Obligations and Responsibilities

Account Management

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account or any other security breach.

Prohibited Activities

Users are strictly prohibited from engaging in the following activities:

4. Financial Information and Privacy

polynarethiq takes the security of your financial information seriously. We employ industry-standard security measures to protect your data, including encryption and secure server protocols. However, no internet transmission is completely secure, and you acknowledge that you provide financial information at your own risk.

We do not provide financial advice, and our tools are designed for informational and organizational purposes only. You should consult with qualified financial professionals before making significant financial decisions. polynarethiq is not responsible for any financial losses resulting from decisions made using our platform.

5. Intellectual Property Rights

All content, features, and functionality of the polynarethiq platform, including but not limited to text, graphics, logos, software, and design elements, are owned by polynarethiq Pty Ltd and are protected by Australian and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use our platform for personal or business budget management purposes. This license does not include the right to reproduce, distribute, or create derivative works from our content or software.

Any feedback, suggestions, or improvements you provide regarding our platform may be used by polynarethiq without compensation or attribution to you.

6. Payment Terms and Subscriptions

Certain features of the polynarethiq platform may require paid subscriptions. All fees are stated in Australian Dollars (AUD) and are subject to applicable taxes. Subscription fees are billed in advance on a monthly or annual basis, depending on your selected plan.

You authorize polynarethiq to charge your chosen payment method for all applicable fees. If your payment method fails, we may suspend your access to premium features until payment is resolved. Refunds are handled on a case-by-case basis and are not guaranteed.

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of your current billing period, and no partial refunds will be provided for unused portions of paid subscriptions.

7. Limitation of Liability

To the fullest extent permitted by Australian law, polynarethiq Pty Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our platform.

Our total liability for any claims related to the platform shall not exceed the amount you have paid to polynarethiq in the twelve months preceding the claim. Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so these limitations may not apply to you.

polynarethiq provides its services "as is" without warranties of any kind, either express or implied. We do not guarantee that the platform will be error-free, secure, or continuously available.

8. Termination

Either party may terminate this agreement at any time. polynarethiq reserves the right to suspend or terminate your access to the platform immediately, without notice, for any violation of these terms or for any reason we deem necessary to protect our platform or other users.

Upon termination, your right to use the platform ceases immediately. You may request export of your data within 30 days of termination, after which we may delete your account and associated data in accordance with our data retention policies.

9. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Victoria, Australia, without regard to conflict of law principles. Any disputes arising from these terms or your use of the platform shall be resolved through binding arbitration in accordance with the Australian Commercial Arbitration Rules.

Before initiating formal proceedings, both parties agree to attempt resolution through good faith negotiations. If arbitration is required, it shall be conducted in Melbourne, Victoria, and the arbitrator's decision shall be final and binding.

10. Updates and Modifications

polynarethiq reserves the right to update these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated to users via email or through prominent notices on our platform.

Your continued use of the platform after receiving notice of changes constitutes acceptance of the updated terms. If you disagree with any modifications, your sole remedy is to discontinue use of our services.