Terms of Use

1. Acceptance of Terms

By accessing, browsing, or using the Learnox Edge website (luminthryce.com) and related services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. These terms constitute a legally binding agreement between you and Learnox Edge, an Australian financial education platform.

If you do not agree with any part of these terms, you must not use our services. Your continued use of the platform following any modifications to these terms constitutes acceptance of those changes.

2. Description of Services

Learnox Edge provides comprehensive budgeting tools, financial education resources, and learning programs designed to help Australian individuals and families improve their financial literacy and management capabilities.

Our Services Include:

• Interactive budgeting tools and calculators
• Educational content on personal finance management
• Structured learning programs for financial skills development
• Resources tailored to Australian financial regulations and practices
• Community support and guidance features
• Progress tracking and goal-setting capabilities

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We may also impose limits on certain features or restrict access to parts of the service without notice or liability.

3. User Obligations and Conduct

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

Prohibited Activities:

• Providing false, misleading, or inaccurate information during registration or use
• Attempting to gain unauthorized access to other user accounts or our systems
• Using the platform for any illegal, harmful, or fraudulent purposes
• Transmitting viruses, malware, or other harmful code
• Interfering with or disrupting the platform's functionality or security
• Copying, reproducing, or distributing our content without permission
• Creating multiple accounts to circumvent usage limitations
• Using automated systems or bots to access our services

4. Financial Information and Disclaimers

Learnox Edge provides educational content and tools for budgeting and financial planning. However, we do not provide personalized financial advice, investment recommendations, or professional financial planning services.

We make no guarantees about the accuracy, completeness, or timeliness of financial information presented. Market conditions, regulations, and financial products change frequently, and information may become outdated.

Data Security and Privacy:

While we implement industry-standard security measures to protect your financial data, you acknowledge that no system is completely secure. You are responsible for the accuracy of financial information you input into our tools and for maintaining backup records of your financial data.

5. Intellectual Property Rights

All content on the Learnox Edge platform, including but not limited to text, graphics, logos, images, software, and educational materials, is owned by Learnox Edge or our licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for your personal, non-commercial use. This license does not include the right to:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our materials
• Use our trademarks or logos without written permission
• Reverse engineer or attempt to extract source code from our software
• Remove or alter copyright notices or proprietary markings

Any feedback, suggestions, or ideas you provide to us regarding our services become our property and may be used without compensation or attribution.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

We comply with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and take reasonable steps to protect your personal information from misuse, interference, loss, unauthorized access, modification, or disclosure.

Data Retention:

We retain your personal information for as long as necessary to provide our services and comply with our legal obligations. You may request deletion of your account and associated data, subject to our legal and regulatory obligations.

7. Limitation of Liability

To the maximum extent permitted by Australian law, Learnox Edge and its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform.

Our total liability to you for all claims arising from your use of our services shall not exceed the amount you paid to us in the twelve months preceding the claim, or AUD 0, whichever is greater.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

8. Termination

Either party may terminate this agreement at any time. You may terminate your account by discontinuing use of our services and, if applicable, canceling your subscription through your account settings.

We reserve the right to suspend or terminate your access to our services immediately, without prior notice, if you violate these Terms of Use or engage in conduct that we determine is harmful to our platform, other users, or our business interests.

Effect of Termination:

• Your right to access and use our services immediately ceases
• We may delete your account and associated data after a reasonable period
• Provisions relating to intellectual property, disclaimers, and limitations of liability survive termination
• You remain liable for any charges incurred prior to termination

9. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of the Northern Territory of Australia and the Commonwealth of Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of the Northern Territory.

Before initiating any legal proceedings, we encourage you to contact us directly to resolve any disputes. We are committed to working with users to address concerns and find mutually acceptable solutions.

10. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Significant changes will be posted on our website with an updated effective date. We may also notify users of material changes via email or through our platform.

Your continued use of our services after changes are posted constitutes acceptance of the modified terms. If you do not agree with the changes, you must discontinue use of our services.

We recommend reviewing these terms periodically to stay informed of any updates or modifications that may affect your use of our platform.