Terms of Use
meravonqilo Smart Budgeting Platform
Last Updated: January 15, 2025
1. Acceptance of Terms
By accessing and using the meravonqilo smart budgeting platform at meravonqilo.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 meravonqilo, a financial technology service provider operating in Canada.
If you do not agree with any part of these terms, you must discontinue use of our platform immediately. Your continued use of the service indicates your acceptance of any modifications to these terms that may be posted from time to time.
These terms apply to all users, including visitors, registered users, and premium subscribers. By creating an account or using any feature of our platform, you confirm you are at least 18 years old and have the legal capacity to enter into this agreement.
2. Description of Service
meravonqilo provides an online smart budgeting platform designed to help users manage their personal finances through automated tracking, budget planning tools, and educational resources. Our service includes:
- Automated expense categorization and tracking
- Customizable budget planning and goal-setting tools
- Financial insights and spending pattern analysis
- Educational content and learning resources
- Account aggregation from participating financial institutions
- Bill reminder and payment scheduling features
We reserve the right to modify, suspend, or discontinue any aspect of our service at any time, with or without notice. While we strive to provide continuous service, we do not guarantee uninterrupted access to the platform.
3. User Accounts and Registration
Account Creation
To access certain features of our platform, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
Account Security
You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to protect your account information.
- Use strong, unique passwords for your account
- Enable two-factor authentication when available
- Log out of shared or public computers
- Report suspicious activity immediately
Account Termination
We reserve the right to suspend or terminate your account if you violate these terms or engage in activities that could harm other users or our service. You may also terminate your account at any time through your account settings.
4. User Obligations and Prohibited Conduct
As a user of our platform, you agree to use the service responsibly and in accordance with applicable laws. You are prohibited from engaging in the following activities:
Technical Violations
- Attempting to gain unauthorized access to our systems
- Using automated tools to scrape or harvest data
- Interfering with the proper functioning of the platform
- Introducing viruses or malicious code
Content Violations
- Sharing false or misleading information
- Posting content that violates intellectual property rights
- Uploading inappropriate or offensive material
- Impersonating other individuals or entities
Any violation of these terms may result in immediate suspension or termination of your account, and we reserve the right to take legal action where appropriate.
5. 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 is incorporated into these terms by reference. By using our service, you consent to the collection and use of your information as described in our Privacy Policy.
Financial Data Security
We employ industry-standard security measures to protect your financial information, including encryption, secure data transmission, and restricted access controls. However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.
We will never sell your personal financial data to third parties. Any data sharing with partner institutions is done solely to provide you with requested services and is subject to strict confidentiality agreements.
6. Intellectual Property Rights
All content, features, and functionality of the meravonqilo platform, including but not limited to software, text, graphics, logos, and proprietary algorithms, are owned by meravonqilo or our licensors and are protected by Canadian and international copyright, trademark, and other intellectual property laws.
- You may not reproduce, distribute, or create derivative works from our content
- Our trademarks and service marks may not be used without written permission
- You retain ownership of data you input into the platform
- Any feedback or suggestions you provide may be used by us without compensation
7. Disclaimers and Limitations of Liability
Financial Advice Disclaimer
meravonqilo provides budgeting tools and educational content but does not provide personalized financial advice. The information and tools available through our platform are for informational purposes only and should not be considered as professional financial, investment, or tax advice.
Service Availability
While we strive to maintain continuous service availability, we do not guarantee that our platform will be available at all times. We may experience downtime due to maintenance, technical issues, or circumstances beyond our control.
To the maximum extent permitted by law, meravonqilo shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our service, even if we have been advised of the possibility of such damages.
8. Governing Law and Dispute Resolution
These Terms of Use are governed by the laws of Ontario, Canada, without regard to conflict of law principles. Any disputes arising from these terms or your use of our service will be subject to the exclusive jurisdiction of the courts of Ontario.
Dispute Resolution Process
Before initiating legal proceedings, we encourage users to contact our support team to resolve disputes amicably. We are committed to addressing user concerns promptly and fairly through direct communication whenever possible.
9. Modifications to Terms
We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last Updated" date at the top of this document and notify users through our platform or via email for significant changes.
Your continued use of the platform after any modifications constitute acceptance of the updated terms. If you do not agree with the changes, you should discontinue use of our service and may terminate your account.
Questions About These Terms?
Contact our legal team for clarification on any aspect of these terms:
Email: info@meravonqilo.com
Address: 303 York St, Sudbury, ON P3E 2A5, Canada
Phone: +1 888 228 5227