Welcome to Livonomi. Please read these Terms of Service (“Terms”) carefully before using our website located at livonomi.comand the Livonomi mobile and desktop applications (collectively, the “Service” or “Platform”).
The Service is owned and operated by Livonomi Technologies (“us”, “we”, or “our”). By accessing or using the Service, you represent that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.
1. Acceptance & Eligibility
By registering for an account or using the Service, you represent that you are at least 18 years of age (or the age of majority in your jurisdiction) and possess the legal capacity to enter into a binding contract. If you are using the Service on behalf of a business, company, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, in which case “you” and “your” will refer to that entity.
2. Account Registration & Security
To access the core features of the Service, you must register for an account using your mobile number or email address. You agree to:
- Provide accurate, current, and complete information during the registration process.
- Keep your authentication credentials (including One-Time Passwords / OTPs sent to your registered device) secure and confidential.
- Promptly notify us of any unauthorized use of your account or any other breach of security.
You are solely responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to protect your credentials or registered devices.
3. Personal and Business Workspaces
Livonomi offers different workspace environments to help you manage your personal and business financial life separately:
- Personal Workspace:Intended for individual or household use. You may track personal accounts, cash flow, personal subscriptions, family assets, and individual savings goals (“Dreams”).
- Business Workspace: Intended for sole proprietors, freelancers, and small businesses to manage operating cash, company revenue, and business subscriptions. You agree to use this workspace in compliance with applicable commercial regulations and tax laws.
You understand that while Livonomi assists in organizing and viewing financial indicators, you are solely responsible for the accuracy of data entered and for any financial decisions made based on these workspaces.
4. No Financial, Tax, or Legal Advice
Livonomi is a software application designed for life management, organization, and cash flow tracking. We are not a bank, investment advisor, broker, or financial planner.
Any insights, recommendations, or calculations (including “financial health indexes”, “runway buffers”, and “pattern engine” summaries) provided by the Service are for informational and educational purposes only. They do not constitute financial, investment, legal, or tax advice. You should consult qualified professionals before making any financial decisions.
5. Subscription Billing, Fees, & Renewals
Certain features of the Service may require paid subscription plans. By subscribing, you agree to pay the fees specified for your selected plan.
- Billing Cycle: Subscription fees are billed in advance on a recurring monthly or annual basis, as indicated at the time of purchase.
- Automatic Renewal: To avoid service disruption, your subscription will renew automatically at the end of each billing cycle unless you cancel it before the renewal date.
- Fee Changes:We reserve the right to modify subscription fees. We will provide at least 30 days' advance notice of any pricing changes, allowing you to cancel your subscription if you do not agree with the new rate.
6. Intellectual Property Rights
The Platform, its layout, design, text, graphics, logos, software code, algorithms, and other proprietary materials are owned by or licensed to Livonomi Technologies and are protected by copyright, trademark, and other intellectual property laws.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business use. You may not copy, modify, distribute, sell, lease, or reverse engineer any part of our Platform without our express written permission.
7. Prohibited Conduct
You agree not to engage in any of the following activities:
- Using the Service for any unlawful purpose or in violation of any local or national laws.
- Uploading or transmitting any data containing viruses, trojans, or malicious code.
- Interfering with, disrupting, or attempting to compromise the integrity or security of our servers and network systems.
- Using automated systems (bots, spiders, scrapers) to access the Service in an unauthorized manner.
- Falsely impersonating any person, business entity, or representing false affiliations.
8. Disclaimer of Warranties
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIVONOMI TECHNOLOGIES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ACCURATE, FREE OF ERRORS, OR THAT ANY DATA ENTERED OR STORED BY YOU WILL NOT BE SUBJECT TO TEMPORARY OUTAGES OR LOSS. YOU ASSUME FULL RESPONSIBILITY FOR BACKING UP ANY FINANCIAL RECORDS ENTERED INTO THE PLATFORM.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LIVONOMI TECHNOLOGIES, ITS DIRECTORS, EMPLOYEES, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- YOUR USE OF OR INABILITY TO USE THE SERVICE.
- ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR PERSONAL DATA STORED THEREIN.
- ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICE.
- DECISIONS MADE BY YOU BASED ON THE ANALYTICS OR SCORES DISPLAYED BY THE APP.
IN NO EVENT SHALL OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE AMOUNT PAID BY YOU TO US FOR SUBSCRIPTIONS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
10. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in Bangalore, Karnataka, India.
11. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect, either via email or through the Platform. What constitutes a material change will be determined at our sole discretion. Your continued use of the Service after changes take effect signifies your acceptance of the updated Terms.
12. Contact Us
If you have any questions or feedback regarding these Terms, please contact us at:
Email: legal@livonomi.com
Address: Livonomi Technologies, Bangalore, Karnataka, India