lunivaraqent - Transparent value-based budgeting for Canadians

Acceptance of Terms

By accessing or using the lunivaraqent website, you confirm your acceptance of these terms. If you disagree, please discontinue use. Your continued activity signifies agreement to our rules and guidelines governing consultations and communications.

Definitions

These definitions clarify terms used throughout this agreement for your understanding.

“Service” means all value-based budgeting guidance and consultations accessible via this website.

“User” refers to any individual accessing, browsing, or interacting with lunivaraqent.sbs.

“Advisor” reflects an authorized team member qualified to deliver consultations or respond to inquiries.

“Content” is all material provided on the site, including articles, forms, and information sheets.

Permitted Use of Services

Services may only be used for personal, non-commercial guidance. Use that harms the website, disrupts other users, or violates applicable law is not permitted.

Eligibility

Services are intended for adults residing in Canada. Access from other jurisdictions is your responsibility and may not offer regionally appropriate advice.

You must be of legal age and capacity for a consultation.

Your Responsibilities

Users are expected to use the website ethically and provide accurate information.

Provide true and complete details when using forms or requesting consultations.

Avoid sharing confidential information about third parties without consent.

Respect all intellectual property and copyright of site materials and advisors.

Use advice as general guidance—personal judgment is important for final decisions.

What Is Not Allowed

Certain behaviour is strictly prohibited to protect site integrity and user safety.

Unauthorized commercial use of our site or materials is not permitted.

Harassing advisors, staff, or fellow users in any form is not allowed.

Attempting to interfere with site technology, security, or data is strictly forbidden.

Impersonating others when submitting requests or feedback will not be tolerated.

Uploading offensive, illegal, or misleading content is not authorized.

Intellectual Property Rights

All site content, trademarks, and consultation methods remain the exclusive property of lunivaraqent unless otherwise stated. Unauthorized reproduction or distribution is subject to legal action. Personal use does not grant any right to recreate or republish materials or methodologies.

User-Provided Content

Any information shared via forms or comments must comply with all site guidelines and remain respectful.

Your Rights and Content

You may request removal of your submissions, subject to site moderation and regulatory needs.

Your Privacy Rights

Collected personal data is managed in line with our privacy policy. For additional information, see our policy for details on protection and use.

Privacy Policy

Important Disclaimers for Users

All consultations provide general guidance and do not replace professional, personalized financial or legal advice.

Results May Vary

Outcomes experienced by individual users may differ and are influenced by personal circumstances and external factors.

Limitation of Liability Statement

lunivaraqent is not responsible for losses or damages arising from reliance on site content or consultations.

Indemnification

By using our website, you agree to indemnify lunivaraqent against claims, losses, or damages related to violations of these terms.

How We Resolve Disputes

Any disputes will be resolved under Canadian law through amicable efforts or agreed methods.

Arbitration

Binding arbitration may be used where amicable resolution is not possible, except where prohibited.

You can request more details on arbitration process at any time.

Online Dispute Resolution Platform

The Canadian ODR platform is available for eligible users to submit concerns related to our services.

See ODR Policy Details

Severability

Invalidity of any term does not affect enforceability of the remaining terms.

Entire Agreement Statement

These terms represent the sole agreement between you and lunivaraqent regarding use of consultation services.

Governing Law and Jurisdiction

These terms are governed by and construed in accordance with Canadian law.

Ending Access

lunivaraqent reserves the right to suspend or end site access if the terms or policies are violated.

Changes

Terms may be updated when necessary. Continued use signifies acceptance of changes.

Contact for Questions

For any term-related questions, reach out using the information below.

Email address: content@lunivaraqent.sbs

Phone: +1-759-110-7465

Address: 319 West Hastings Street, Suite 400, Vancouver, BC V6B 1K6 Canada

Terms and Conditions for Website Use