These terms govern your use of our financial planning services and website. Please read carefully before engaging our services. By proceeding, you acknowledge understanding and acceptance of these terms.

April 2, 2026

Acceptance of Terms

Accessing our website or engaging our financial planning services constitutes acceptance of these terms and conditions. If you disagree with any provision, discontinue use immediately and do not engage our services. We reserve the right to refuse service to anyone for any lawful reason. These terms supplement rather than replace any written service agreement between us.

Definitions

For clarity, we define key terms used throughout these conditions to ensure common understanding of our relationship and obligations.

• Client refers to individuals or entities engaging our financial planning services through written agreement. Prospective clients exploring services are not bound by service-specific terms until formal engagement but must comply with website usage terms.
• Services encompass financial planning analysis, recommendations, consultations, educational content, and ongoing relationship management provided through our practice. Services do not include legal advice, tax preparation, accounting services, or guaranteed investment returns.
• Website includes all web pages, content, tools, resources, and functionality accessible through our Lyraveniora and associated digital properties. Website use is subject to these terms regardless of whether you engage planning services.
• We, us, our refers to our financial planning practice, its principals, employees, contractors, and authorized representatives acting within scope of their roles and responsibilities.

Use of Services

Our financial planning services are provided for informational and analytical purposes. Recommendations represent professional opinions based on information provided and assumptions made explicit in analysis. Results may vary significantly from projections due to market conditions, personal circumstances, and numerous unpredictable factors. Past performance doesn't guarantee future results.

Eligibility

You must be at least eighteen years of age and legally capable of entering binding contracts to engage our services. By proceeding, you represent that you meet these requirements and will provide accurate, complete information necessary for effective planning.

Services may be unavailable in certain jurisdictions due to regulatory restrictions.

Client Responsibilities

Effective financial planning requires client participation and honest disclosure. You agree to fulfill several responsibilities facilitating productive relationship.

• Provide accurate, complete, current information regarding financial situation, goals, risk tolerance, and relevant circumstances. Withholding or misrepresenting information compromises planning quality and we cannot be held responsible for deficiencies resulting from incomplete disclosure.
• Review recommendations carefully, ask questions about anything unclear, and make informed decisions about implementation. You retain ultimate responsibility for financial decisions. Our role is advisory, not decision-making on your behalf.
• Notify us promptly about significant life changes, financial developments, or shifts in goals or risk tolerance that might affect planning recommendations. Plans must evolve with changing circumstances to remain relevant.
• Maintain confidentiality of any account access credentials or secure communication channels we establish. You're responsible for all activities occurring through your credentials until you notify us of unauthorized access.

Prohibited Uses

Certain uses of our website and services are expressly prohibited to protect our practice, other clients, and legal compliance.

• Using services or website for unlawful purposes, including money laundering, fraud, or violation of applicable regulations. We reserve the right to report suspicious activity to appropriate authorities as required by law.
• Attempting to gain unauthorized access to our systems, other client information, or restricted areas of our website through hacking, password mining, or other means. Security breaches will be prosecuted.
• Misrepresenting your identity, providing false information, or impersonating others in communications with our practice. Honest dealings form the foundation of our client relationships.
• Reproducing, distributing, modifying, or creating derivative works from our proprietary content, planning methodologies, or intellectual property without explicit written permission. Content is provided for your personal use only.
• Using automated systems, scripts, or bots to access our website, scrape content, or interfere with functionality. Such activities burden systems and may compromise security for legitimate users.

Intellectual Property

All content, materials, methodologies, tools, and resources available through our website or provided during planning engagements remain our intellectual property or that of licensed providers. You receive limited, non-exclusive, non-transferable license to use materials for personal financial planning purposes only. You may not reproduce, distribute, publicly display, sell, or create derivative works without explicit written permission.

Client Information

Information, documents, and materials you provide during our relationship remain your property. However, you grant us license to use this information for purposes of providing services, maintaining records, and complying with legal obligations. We may also use anonymized, aggregated data for service improvement without identifying individual clients.

Privacy and Data Protection

We take data protection seriously and maintain comprehensive privacy practices governing information collection, use, storage, and sharing. Our Privacy Policy, incorporated by reference into these terms, provides detailed explanation of data practices. We comply with applicable Indian data protection regulations including reasonable security measures, limited disclosure, and respect for privacy rights. However, you acknowledge that no system is completely secure. View Privacy Policy

Service Disclaimers

We provide several important disclaimers regarding the nature and limitations of our financial planning services.

Limitation of Liability

To the maximum extent permitted by law, we and our affiliates, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of services or website. Our total liability for direct damages is limited to fees you've paid for services in the twelve months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless our practice, its principals, employees, contractors, and affiliates from claims, damages, losses, liabilities, and expenses, including reasonable legal fees, arising from your breach of these terms, violation of laws, or misuse of services or website.

Dispute Resolution

We prefer resolving disputes amicably through direct communication. However, formal mechanisms exist for disputes we cannot resolve informally.

Governing Law

These terms are governed by the laws of India, specifically the jurisdiction where our primary office is located, without regard to conflict of law provisions. You consent to exclusive jurisdiction of courts in that location for any disputes not subject to arbitration.

Termination

Either party may terminate our service relationship upon written notice. Termination doesn't affect obligations incurred before termination date or survival provisions including confidentiality, intellectual property protections, liability limitations, and dispute resolution terms. We reserve the right to terminate immediately for cause including breach of terms or illegal conduct.

Modifications

We may modify these terms periodically to reflect service changes, legal requirements, or business evolution. Material changes will be communicated through email or website notice. Continued use of services after changes constitutes acceptance. If you disagree with modifications, terminate the relationship before changes become effective.

Severability

If any provision of these terms is determined invalid, illegal, or unenforceable by competent authority, remaining provisions continue in full force and effect. Invalid provisions will be modified minimally to achieve intended effect while complying with law.

Entire Agreement

These terms, together with our Privacy Policy and any written service agreement, constitute the entire agreement between parties regarding subject matter and supersede prior discussions, agreements, or understandings. Modifications must be in writing and signed by authorized representatives.

Questions About Terms

If you have questions about these terms and conditions or need clarification regarding any provision, please contact us using the information below.