Terms of Service

Effective Date: 1 February 2025

Welcome to Ryvo – a risk profiling website and mobile application operated by Luminair Capital Pty Ltd (ACN/ABN: [Insert ABN]). By accessing or using the Ryvo website and/or mobile application (collectively, the "App"), you agree to be bound by these Terms & Conditions (the "Terms"). If you do not agree with any part of these Terms, please do not access or use our App.

1. About Ryvo

Ryvo is designed to help you assess and understand your personal risk profile through a series of questions and interactive tools.Ryvo does not provide, and is not intended to provide, any form of financial advice, whether general or personalised.The risk profile generated is for informational purposes only and should not be used as a substitute for professional financial advice.

2. Acceptance of Terms

By accessing and using the App:

  • You agree to these Terms in full.
  • You warrant that you are at least 18 years of age and legally capable of entering into these Terms.
  • Your use of Ryvo is subject to our Privacy Policy, Cookie Policy, and any additional notices published on the App.

3. Use of the App

3.1 License

Luminair Capital Pty Ltd grants you a limited, non-exclusive, non-transferable, revocable license to access and use the App strictly in accordance with these Terms and for your personal, non-commercial purposes only.

3.2 Restrictions

You must not:

  • Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or content obtained from the App.
  • Use the App for any unlawful purpose, or in any manner that could damage, disable, overburden, or impair the App.
  • Attempt to gain unauthorized access to any part of the App or any systems or networks connected to the App.

4. Intellectual Property

All content, design, text, graphics, logos, images, software, and other materials provided on or through the App are the property of Luminair Capital Pty Ltd or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You agree not to use, reproduce, or distribute any of our intellectual property without our prior written consent.

5. User Responsibilities & Security

  • You are responsible for maintaining the confidentiality of any login details provided to you.
  • You must notify us immediately if you suspect any unauthorized use of your account or any breach of security.
  • You agree to provide accurate, current, and complete information when using the App, and to update such information as necessary.

6. No Financial Advice

  • Ryvo is not a financial adviser.
  • The App and its content are provided for informational purposes only and do not constitute financial, investment, or any other form of professional advice.
  • You should not rely on any information provided by Ryvo for making financial decisions.
  • Before making any financial decisions, it is strongly recommended that you seek advice from a licensed financial adviser who can take into account your personal circumstances.

7. Disclaimers & Limitation of Liability

7.1 General Disclaimers

  • The App is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied.
  • Luminair Capital Pty Ltd does not warrant that the App will be error-free, secure, or continuously available, or that any defects will be corrected.
  • Any information provided through the App is believed to be reliable, but we do not guarantee its accuracy, completeness, or timeliness.

7.2 Limitation of Liability

To the fullest extent permitted by applicable law, Luminair Capital Pty Ltd, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of or inability to use the App, even if advised of the possibility of such damages.

7.3 Indemnity

You agree to indemnify and hold harmless Luminair Capital Pty Ltd and its affiliates from and against any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising from your use of the App, violation of these Terms, or infringement by you of any intellectual property or other right of any person or entity.

7.4 Use of Generative AI

The Ryvo App may incorporate generative artificial intelligence (AI) models to provide interactive features and conversational content. Please note that these generative AI models are subject to occasional inaccuracies, including unintentional "hallucinations" or misrepresentations of information. As such:

  • The responses generated by these AI models are for informational purposes only and should not be considered definitive or error-free.
  • You should not solely rely on AI-generated content for making decisions or forming conclusions.
  • Always verify any information provided by the AI through independent sources or by consulting qualified professionals when necessary.

8. Third-Party Services & Content

  • The App may contain links to third-party websites, services, or content that are not owned or controlled by Luminair Capital Pty Ltd.
  • We are not responsible for the content, policies, or practices of any third parties.
  • Your interactions with any third-party websites or services are solely between you and the third party, and you should review their terms and conditions and privacy policies accordingly.

9. Privacy & Data Collection

Your privacy is important to us. Please refer to our Privacy Policy to understand how we collect, use, and store your personal information. By using the App, you consent to the collection and use of your data in accordance with our Privacy Policy.

10. Changes to the Terms

We reserve the right to modify or update these Terms at any time, with or without notice. Any changes will be effective immediately upon posting on the App. Your continued use of the App following the posting of revised Terms constitutes your acceptance of those changes. It is your responsibility to review these Terms periodically.

11. Termination

We may, in our sole discretion, suspend or terminate your access to the App at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, the App, or third parties.

12. Governing Law & Jurisdiction

These Terms and your use of the App are governed by the laws of Australia. You agree that any disputes arising out of or in connection with these Terms will be subject to the exclusive jurisdiction of the courts of [Insert State/Territory, e.g., New South Wales], Australia.

13. Entire Agreement

These Terms constitute the entire agreement between you and Luminair Capital Pty Ltd regarding your use of the App and supersede any prior agreements, understandings, or representations relating to the App.

14. Contact Us

If you have any questions, concerns, or feedback about these Terms or the App, please contact us at:

Contact Us

Luminair Capital Pty Ltd

Email: support@ryvoapp.com

Postal Address: [Insert Address]

By using Ryvo, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.