Acceptance of Terms

By accessing and using araelithoria's liquidity and solvency analysis platform through araelithoria.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 araelithoria, an Australian financial analysis platform. If you do not agree with any part of these terms, you must immediately discontinue use of our services.

Your continued use of our platform following any modifications to these terms constitutes acceptance of such changes. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting on our website.

Service Description and Scope

araelithoria provides comprehensive liquidity and solvency analysis tools designed for financial professionals, businesses, and educational purposes. Our platform offers analytical capabilities, reporting functions, and educational resources related to financial health assessment and liquidity management.

Platform Capabilities

Our services are provided for informational and educational purposes. While we strive for accuracy, all analysis results should be verified independently and used in conjunction with professional financial advice where appropriate.

User Obligations and Responsibilities

Users of araelithoria's platform agree to use our services responsibly and in compliance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Prohibited Activities

Intellectual Property Rights

All content, software, algorithms, methodologies, and materials provided through araelithoria's platform are protected by Australian and international intellectual property laws. This includes but is not limited to our proprietary analysis frameworks, calculation methods, educational content, and user interface designs.

Users are granted a limited, non-exclusive, non-transferable license to use our platform for legitimate business and educational purposes. This license does not include the right to reproduce, distribute, or create derivative works based on our proprietary content without explicit written permission.

User-Generated Content

Any data, reports, or content you create using our platform remains your intellectual property. However, by using our services, you grant araelithoria a limited license to use anonymized, aggregated data for platform improvement and research purposes, subject to our privacy policy and applicable data protection regulations.

Limitation of Liability and Disclaimers

araelithoria provides its liquidity and solvency analysis platform on an "as is" basis without warranties of any kind, either express or implied. We make no guarantees regarding the accuracy, completeness, or reliability of analysis results, and users assume full responsibility for their use of our platform.

To the maximum extent permitted by Australian law, araelithoria shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our platform, including but not limited to financial losses, business interruption, or data loss.

Privacy and Data Protection

araelithoria is committed to protecting user privacy and complying with applicable data protection regulations, including the Australian Privacy Principles under the Privacy Act 1988. We collect, store, and process personal information only as necessary to provide our services and improve user experience.

Financial data entered into our platform is encrypted and stored securely. We do not share individual user data with third parties without explicit consent, except as required by law or as outlined in our comprehensive Privacy Policy, which forms an integral part of these Terms of Use.

Termination and Account Management

Either party may terminate access to araelithoria's platform at any time. Users may close their accounts by contacting our support team, while araelithoria reserves the right to suspend or terminate accounts that violate these Terms of Use or engage in prohibited activities.

Upon termination, users retain access to any reports or analyses they have downloaded, but lose access to the platform's analytical tools and resources. araelithoria may retain certain user data as required by law or for legitimate business purposes, subject to our Privacy Policy.

Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Victoria, Australia, and any disputes arising from or relating to these terms or your use of our platform shall be subject to the exclusive jurisdiction of the courts of Victoria. Both parties agree to attempt resolution of disputes through good faith negotiation before pursuing legal action.

If any provision of these Terms of Use is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these terms shall not constitute a waiver of such right or provision.