Terms of Use

These Terms of Use constitute a legally binding agreement between you and crenoviantos Financial Services Inc., a corporation registered in Ontario, Canada. By creating an account, accessing our platform, or using any of our services, you acknowledge that you have read, understood, and agree to comply with all terms and conditions outlined herein.

This agreement applies to all users, including visitors, registered members, premium subscribers, and any third parties accessing our services on your behalf. Your continued use of our platform following any modifications to these terms constitutes acceptance of such changes.

To use crenoviantos's services, you must be at least 18 years of age and possess the legal capacity to enter into binding agreements in your jurisdiction. Users under 18 may access our educational content only under parental supervision and with explicit parental consent.

When creating an account, you agree to provide accurate, current, and complete information. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. This includes any financial data input, budget configurations, and goal-setting parameters you establish within our platform.

• Safeguard your password and never share account access with unauthorized individuals
• Immediately notify us of any suspected security breaches or unauthorized account access
• Ensure all financial information entered is accurate and belongs to you or authorized parties
• Comply with all applicable laws when using our international features

crenoviantos provides web-based financial budgeting tools, educational resources, and analytical features designed to help users manage their personal finances more effectively. Our services include budget tracking, expense categorization, financial goal setting, and educational content about money management principles.

While we strive to provide accurate and helpful financial guidance, our services are for informational and educational purposes only. crenoviantos does not provide personalized financial advice, investment recommendations, or tax preparation services. We strongly recommend consulting with qualified financial professionals for decisions involving significant monetary commitments or complex financial planning scenarios.

Service availability may vary by geographic location, and certain features might be restricted based on local regulations or technical limitations. We reserve the right to modify, suspend, or discontinue any aspect of our services with reasonable notice to users.

Your privacy is fundamental to our relationship. We collect, store, and process personal and financial information in accordance with our comprehensive Privacy Policy and applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

By using our services, you consent to our data collection practices as outlined in our Privacy Policy. This includes the aggregation of anonymized usage statistics to improve our platform and the optional sharing of educational content recommendations based on your budgeting patterns.

We implement industry-standard security measures to protect your information, but cannot guarantee absolute security. Users acknowledge that internet-based services inherently carry certain risks, and crenoviantos cannot be held liable for security breaches resulting from factors beyond our reasonable control.

Users must utilize crenoviantos's services in a lawful manner that respects the rights of others and maintains the integrity of our platform. The following activities are strictly prohibited and may result in immediate account termination:

• Attempting to gain unauthorized access to our systems, other user accounts, or restricted areas
• Using automated tools, scripts, or bots to access or interact with our services
• Sharing false, misleading, or fraudulent financial information
• Engaging in activities that could harm, disable, or impair our platform's functionality
• Violating any applicable laws, regulations, or third-party rights
• Using our services for money laundering, tax evasion, or other illegal financial activities

We reserve the right to investigate suspected violations and cooperate with law enforcement agencies when necessary. Users who violate these terms may face account suspension, legal action, and referral to appropriate authorities.

All content, features, and functionality available through crenoviantos's platform, including but not limited to text, graphics, logos, software, algorithms, and user interface design, are owned by crenoviantos or our licensors and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

Users are granted a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. This license does not permit redistribution, modification, reverse engineering, or creation of derivative works based on our platform or content.

Any feedback, suggestions, or ideas you provide regarding our services may be used by crenoviantos without compensation or attribution. By submitting such input, you grant us perpetual, worldwide rights to incorporate these insights into our platform improvements.

crenoviantos provides our services on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of any information provided through our platform. Users acknowledge that financial decisions carry inherent risks, and crenoviantos cannot guarantee specific outcomes from using our budgeting tools.

To the maximum extent permitted by law, crenoviantos shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to lost profits, financial losses, or damages resulting from your inability to use our services. Our total liability for any claims shall not exceed the amount you paid for our services during the twelve months preceding the claim.

Either party may terminate this agreement at any time with or without cause. Users may close their accounts by following the process outlined in their account settings or by contacting our support team. Upon termination, your right to access our services ceases immediately.

crenoviantos reserves the right to suspend or terminate accounts for violations of these terms, non-payment of fees, or for any other reason we deem appropriate. We will provide reasonable notice when possible, but immediate termination may occur for serious violations or security concerns.

Following account closure, we may retain certain information as required by law or legitimate business purposes, in accordance with our Privacy Policy. Deleted account data cannot be recovered, so users should export important information before requesting account closure.

crenoviantos reserves the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. We will notify users of material changes through email, platform notifications, or prominent website notices at least 30 days before the changes take effect.

Your continued use of our services after the effective date of any modifications constitutes acceptance of the updated terms. If you disagree with changes, your only remedy is to discontinue using our services and close your account before the changes become effective.

We encourage users to review these terms periodically to stay informed about any updates that may affect their rights and obligations.