1. General Terms
These Terms & Conditions describe the rules for access and use of the informational website Loravexino. By using this website, the user agrees to the conditions described in this document. The website provides general information about personal budget planning for daily needs and is intended for reading purposes only. The content is presented in a neutral and informational format. Use of the website does not require registration, payment, or submission of personal data. Access to the website is provided on an as-is basis without any obligation to use additional features.
2. Informational Nature of the Website
All materials published on this website are provided for general information only. The content explains common terms, structures, and examples related to recording income and expenses for everyday use. The information does not represent professional, financial, or legal advice. The website does not provide consultation, services, or personalised recommendations. Users are responsible for how they interpret and use the information presented on the pages.
3. Acceptable Use
Users agree to use the website only for lawful and informational purposes. The website must not be used in a way that may damage, interrupt, or interfere with its normal operation. Users must not attempt to access restricted areas, modify content, or use automated tools that may affect the stability of the website. Use of the contact form must be limited to communication related to the content of the website. Messages containing unrelated, unlawful, or misleading information should not be submitted.
4. No Registration or Transactions
The website does not provide accounts, subscriptions, payment functions, or order forms. All pages can be viewed without creating a profile or providing personal data. If the user chooses to send a message through the contact form, the data is processed only for communication purposes as described in the Privacy Policy. The website does not process payments and does not request financial information.
5. Accuracy of Information
The website aims to present information in a clear and consistent format. However, the content is provided for general reference and may not include all possible situations or definitions. Information may be updated, reorganised, or corrected without prior notice in order to keep the structure of the website consistent. Users should not rely on the content as the only source of information.
6. Intellectual Property
All text, layout, and structure of this website are part of the website content and may not be copied, reproduced, or distributed without permission, except where such use is allowed by applicable law. Users may read, print, or store pages for personal informational use only. The website name and content are used only for identification of this informational resource.
7. Links and External Resources
The website may contain references to general information sources or technical services required for operation of the site. Such references are provided only for technical or informational reasons. The website is not responsible for the content of external pages that may be opened through links.
8. Limitation of Responsibility
The website is provided for informational purposes only. No responsibility is assumed for how the information is interpreted or used. The website does not guarantee completeness, accuracy, or applicability of the information to individual situations. Use of the website is at the user’s own discretion.
9. Privacy and Data Use
Use of the website is possible without providing personal data. When personal data is submitted through the contact form, it is processed according to the Privacy Policy. The website follows the principles of data minimisation, purpose limitation, and transparency in accordance with the Personal Data Protection Act 2012 of Singapore. Communication sent through the website must not include unnecessary personal information.
10. Electronic Communication
Messages sent through the contact form or email are considered electronic communication. By sending a message, the user agrees that the website may respond using the provided contact details. Electronic communication is used only for replying to the request and maintaining related correspondence. The website does not send marketing messages and does not use contact details for advertising.
11. Changes to the Website
The structure, layout, and content of the website may be updated at any time in order to maintain consistency or correct information. Changes may include modification of text, removal of sections, or addition of new informational pages that relate to the same topic. Continued use of the website means that the user accepts the current version of these Terms & Conditions.
12. Applicable Law
These Terms & Conditions are governed by the laws of Singapore, including the Personal Data Protection Act 2012, the Spam Control Act 2007, and the Electronic Transactions Act 2010, where applicable to the operation of this website. Use of the website must comply with the laws applicable in the place where the user accesses the site.
13. Contact Information
Questions related to these Terms & Conditions may be sent using the contact details provided at the beginning of this document.
Communication is limited to matters related to the content and operation of the website. Responses are provided through the available contact channels.
For more information, please use the contact details provided above.
