By accessing and using nolusveloolino's financial forecasting and budgeting platform at nolusveloolino.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms apply to all users, including visitors, registered users, and subscribers to our financial planning services.

If you do not agree with any part of these terms, you must discontinue use of our services immediately. Your continued use of our platform constitutes acceptance of any updates to these terms.

nolusveloolino provides financial forecasting and budgeting tools designed to help individuals and businesses plan their financial future. Our services include budget creation tools, expense tracking, financial projections, and educational resources.

We continuously work to improve our platform, which means features may be updated, modified, or discontinued at our discretion with appropriate notice to users.

When creating an account with nolusveloolino, you agree to provide accurate, current, and complete information. You're responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

• Provide truthful and accurate financial information for meaningful projections
• Keep your login details secure and notify us immediately of any unauthorized access
• Use our services only for legitimate financial planning purposes
• Respect intellectual property rights and not attempt to copy or reverse-engineer our platform
• Comply with all applicable laws and regulations in your jurisdiction
• Not share account access with unauthorized third parties

You must be at least 18 years old to create an account. If you're using our services on behalf of a business, you represent that you have the authority to bind that entity to these terms.

We understand the sensitive nature of financial information. Your privacy and data security are paramount to us. We collect and process your financial data solely to provide our forecasting and budgeting services.

By using our services, you consent to the collection, use, and processing of your information as described in our Privacy Policy. We implement industry-standard security measures to protect your data, but you acknowledge that no online service can guarantee complete security.

nolusveloolino's forecasting tools are designed to assist with financial planning but are not a substitute for professional financial advice. Our projections are based on algorithms and the data you provide, which may not account for all market variables or personal circumstances.

• Results may vary significantly from projections due to market conditions
• We do not guarantee the accuracy of forecasts or budgeting recommendations
• Our service is provided "as is" without warranties of any kind
• We are not liable for financial decisions made based on our projections
• Service availability may be interrupted for maintenance or technical issues

Always consult with qualified financial advisors for significant financial decisions. Our tools complement but do not replace professional financial guidance.

nolusveloolino offers both free and premium subscription tiers. Premium subscriptions are billed monthly or annually, depending on your chosen plan. All fees are charged in Australian dollars and are non-refundable except as required by law.

You authorize us to charge your chosen payment method for all fees associated with your subscription. If payment fails, we may suspend your account until payment is resolved. You can cancel your subscription at any time through your account settings.

All content, features, and functionality of our platform, including but not limited to text, graphics, logos, software, and algorithms, are owned by nolusveloolino and protected by copyright, trademark, and other intellectual property laws.

You're granted a limited, non-exclusive license to use our services for personal or business financial planning. This license doesn't permit you to modify, distribute, or create derivative works based on our platform.

Any feedback, suggestions, or ideas you provide about our services may be used by us without compensation or attribution, though we appreciate your input in helping us improve.

Either party may terminate this agreement at any time. You can close your account through your account settings or by contacting our support team. We may terminate accounts that violate these terms or for other legitimate business reasons.

Upon termination, your access to premium features will cease immediately. We'll retain your data for a reasonable period to allow for account restoration, after which it will be deleted in accordance with our data retention policies.

Sections of these terms that by their nature should survive termination (such as intellectual property rights and limitation of liability) will continue to apply after termination.

We may update these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices. We'll notify users of significant changes via email or through our platform.

Continued use of our services after changes take effect constitutes acceptance of the updated terms. If you don't agree with changes, you should discontinue using our services and may close your account.

We also reserve the right to modify, suspend, or discontinue features of our service with reasonable notice to users, though we'll strive to minimize disruption to your financial planning activities.