Terms and Conditions

Agreement to Terms

These Terms and Conditions govern your use of Lytheranova and constitute a legally binding agreement between you and our company.

By accessing our website or using our services, you agree to be bound by these terms and all applicable laws and regulations.

Key Definitions

For the purposes of these Terms and Conditions, the following definitions apply

• "Services": Financial planning consultations, analysis, and related advisory services provided by Lytheranova
• "User" or "Client": Any individual or entity that accesses our website or engages our services
• "Platform": Our website, mobile applications, and any related digital services or tools
• "Content": All information, data, text, graphics, and materials available through our platform

Service Usage Terms

Your use of our services is subject to the following terms and conditions, which ensure fair and appropriate use for all clients.

Eligibility Requirements

You must be at least 18 years of age and legally capable of entering into binding contracts to use our services.

18+ only

Account Responsibilities

• Maintain accurate and current information in your account
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized account access

Prohibited Activities

You agree not to engage in any of the following prohibited activities when using our services

• Violating any applicable laws, regulations, or third-party rights
• Attempting to gain unauthorized access to our systems or other user accounts
• Using our services for any fraudulent, deceptive, or harmful purposes
• Interfering with or disrupting our website functionality or server operations
• Reproducing, distributing, or commercially exploiting our proprietary content without permission

Intellectual Property Rights

All content, trademarks, logos, and intellectual property on our platform remain the exclusive property of Lytheranova.

You may not reproduce, distribute, modify, or create derivative works based on our proprietary content without explicit written permission.

User-Generated Content

You retain ownership of any content you provide to us, including personal financial information and communications.

By providing content, you grant us a limited license to use it solely for delivering our financial planning services to you.

Privacy and Data Protection

Your privacy is important to us. Please review our separate Privacy Policy for detailed information about data collection and usage practices. Privacy Policy

Service Disclaimers and Warranties

Limitation of Liability

Our total liability for any claims arising from or related to our services shall not exceed the amount you paid for services in the preceding 12 months.

We exclude liability for indirect, incidental, consequential, or punitive damages, regardless of the legal theory of recovery.

User Indemnification

You agree to indemnify and hold harmless Lytheranova and its affiliates from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Account Termination

Either party may terminate this agreement at any time with appropriate notice as outlined in your service subscription terms.

Upon termination, your access to services will cease, though certain provisions of these terms will survive termination as legally required.

Dispute Resolution Process

We are committed to resolving disputes fairly and efficiently through the following process

Governing Law and Jurisdiction

These terms are governed by Canadian federal law and the laws of the province where our primary business operations are conducted.

Severability Clause

If any provision of these terms is found unenforceable, the remaining provisions shall continue in full force and effect.

Complete Agreement

These terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and Lytheranova.

Terms Modifications

We reserve the right to modify these terms at any time to reflect changes in our services, legal requirements, or business operations.

Continued use of our services after term modifications constitutes acceptance of the updated terms and conditions.

Terms Questions and Contact

If you have questions about these Terms and Conditions, please contact us using the information provided in our contact section.