Melvarionstudio - Professional Financial Planning & Investment Strategy

1. Agreement to Terms

By accessing and using this website and our financial planning subscription service, you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of these terms, then you may not access the service.

These Terms apply to all visitors, users, and others who access or use the service. By using our service, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.

2. Service Description

Melvarionstudio provides a subscription-based financial planning service that includes:

Access to financial planning tools and resources
Educational content and guidance
Planning templates and calculators
Regular updates and new features

The service is provided "as is" and "as available" without any warranties of any kind.

3. Subscription Terms

Billing and Payment

• Subscription fee is billed monthly in advance
• Payment is due on the same date each month
• All fees are non-refundable unless otherwise stated
• Prices are subject to change with 30 days notice

Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of the current billing period
• No partial refunds for unused time
• Access continues until the end of the paid period

4. User Responsibilities

As a user of our service, you agree to:

Provide Accurate Information

Maintain accurate, complete, and up-to-date information in your account

Maintain Account Security

Keep your login credentials confidential and notify us of any unauthorized use

Use Service Lawfully

Comply with all applicable laws and regulations in your use of the service

Respect Intellectual Property

Not copy, distribute, or create derivative works from our content without permission

5. Prohibited Uses

You may not use our service to:

• Violate any laws or regulations
• Infringe upon intellectual property rights
• Transmit malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Harass, abuse, or harm other users
• Engage in any activity that disrupts the service
• Use the service for any illegal or unauthorized purpose
• Resell or redistribute the service without permission

6. Intellectual Property Rights

All content, features, and functionality of this service, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the exclusive property of Melvarionstudio or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our service without prior written consent.

7. Privacy and Data Protection

Your use of our service is also governed by our Privacy Policy. By using the service, you consent to the collection and use of your information as described in our Privacy Policy.

Data Security

We implement reasonable security measures to protect your data

User Privacy

Your personal information is handled according to our privacy policy

8. Disclaimers and Limitations of Liability

No Financial Advice: The service provides general financial planning tools and information only. It does not constitute personalized financial, investment, tax, or legal advice.

You should consult with qualified professionals before making any financial decisions based on information obtained through our service.

To the maximum extent permitted by law, Melvarionstudio shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the service.

9. Indemnification

You agree to defend, indemnify, and hold harmless Melvarionstudio and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the service.

10. Termination

We may terminate or suspend your account and access to the service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the service will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Modifications to Service and Terms

We reserve the right to:

• Modify or discontinue the service at any time without notice
• Change these Terms at any time by posting revised terms on this page
• Update pricing with 30 days advance notice

Your continued use of the service after any changes constitutes acceptance of the new Terms.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in South Africa.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. The invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.

14. Entire Agreement

These Terms constitute the entire agreement between you and Melvarionstudio regarding the use of the service, superseding any prior agreements between you and Melvarionstudio relating to the service.

Terms and Conditions