Terms of Use

Acceptance of Terms

By accessing, browsing, or using the Clarithorhub platform located at Clarithorhub.com, 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 Clarithorhub.

If you do not agree to these terms, you must immediately discontinue use of our platform and services. Your continued use of the platform following any modifications to these terms constitutes acceptance of such changes.

Platform Services

Clarithorhub provides financial forecasting and budgeting tools designed to help users manage their financial planning. Our platform offers various features including budget tracking, financial analysis, and forecasting capabilities.

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

User Obligations and Conduct

When using our platform, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You must not attempt to gain unauthorized access to our systems, interfere with platform functionality, or use our services for any fraudulent or illegal activities. Violation of these obligations may result in immediate termination of your access.

Data Privacy and Security

We take your financial data privacy seriously and implement industry-standard security measures to protect your information. However, you acknowledge that no system is completely secure, and you use our platform at your own risk.

By using our platform, you consent to our collection, use, and storage of your financial data as described in our Privacy Policy. We may use aggregated, anonymized data for platform improvement and research purposes.

You retain ownership of your financial data and may request data export or account deletion at any time. We will comply with applicable data protection regulations including requirements under Australian Privacy Principles.

Intellectual Property Rights

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

You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal financial management purposes. You may not reproduce, distribute, modify, or create derivative works from our platform content without express written permission.

Limitation of Liability

Clarithorhub provides financial planning tools for educational and analytical purposes. We do not provide financial advice, and our platform should not be considered a substitute for professional financial consultation.

To the maximum extent permitted by law, Clarithorhub shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses resulting from your use of our platform.

Our total liability to you for any claims arising from these terms or your use of our platform shall not exceed the amount you paid for our services in the twelve months preceding the claim, or one hundred Australian dollars, whichever is greater.

Termination and Account Suspension

Either party may terminate this agreement at any time. You may close your account through your account settings or by contacting our support team. We may suspend or terminate your access immediately if you violate these terms.

Upon termination, your right to access the platform ceases immediately. We will provide reasonable opportunity for you to export your data, but we are not obligated to maintain your data after account closure.

Provisions of these terms that by their nature should survive termination will remain in effect, including intellectual property rights, limitation of liability, and dispute resolution clauses.

Governing Law and Dispute Resolution

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

We encourage resolution of disputes through direct communication. If formal proceedings become necessary, both parties agree to attempt mediation before pursuing litigation. Any legal action must be commenced within one year of the dispute arising.

Modifications to Terms

Clarithorhub reserves the right to modify these Terms of Use at any time. We will provide notice of material changes through the platform or via email. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

If you disagree with any modifications, you must discontinue use of our platform. We recommend reviewing these terms periodically to stay informed of any changes that may affect your use of our services.