Laverno

Laverno

Financial analysis skills that matter — from spreadsheets to forecasting models

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Terms of Use

Last Updated: June 9, 2025

Welcome to Laverno. These Terms of Use govern your access to and use of our website, educational platform, and related services. By accessing or using our platform, you agree to be bound by these Terms. Please read them carefully.

1. Acceptance of Terms

By creating an account, accessing our courses, or using any part of the Laverno platform located at laverno.info, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must not use our services.

2. Eligibility

You must be at least 16 years of age to use our platform independently. Users under 16 may use our services only with the involvement and consent of a parent or legal guardian. By using our services, you represent and warrant that you meet these eligibility requirements.

3. Account Registration

3.1 Account Creation

To access certain features of our platform, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.2 Account Security

You agree to notify us immediately of any unauthorized access to or use of your account. We are not liable for any loss or damage arising from your failure to maintain the security of your account credentials.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, if we believe you have violated these Terms or engaged in conduct that we deem inappropriate or harmful to our platform or other users.

4. Use of Services

4.1 License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our educational content and platform for your personal, non-commercial educational purposes.

4.2 Restrictions

You agree not to:

5. Course Access and Enrollment

5.1 Course Availability

We strive to maintain continuous access to our courses, but we do not guarantee that any course will be available indefinitely. We reserve the right to modify, update, or discontinue any course at any time without prior notice.

5.2 Course Content

Course materials, including videos, documents, quizzes, and interactive elements, are provided for educational purposes only. The information presented is current as of the course creation date and may become outdated.

5.3 Completion Certificates

Certificates of completion, where offered, are provided solely as acknowledgment of course completion and do not constitute professional certification, accreditation, or qualification unless explicitly stated otherwise.

6. Payment and Subscriptions

6.1 Fees

Access to certain courses or features may require payment of fees. All fees are stated in the applicable currency and are subject to change. You agree to pay all applicable fees associated with your use of paid services.

6.2 Subscription Terms

For subscription-based services, your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You authorize us to charge your payment method for each renewal period.

6.3 Refund Policy

Refund eligibility is determined on a case-by-case basis and must be requested within the specified refund period for each course or subscription. Digital products and accessed course content may not be eligible for refunds. Contact our support team at [email protected] to request a refund.

6.4 Payment Processing

Payments are processed by third-party payment processors. You agree to comply with their terms and conditions. We are not responsible for errors or issues arising from payment processing.

7. Intellectual Property Rights

7.1 Our Content

All content on our platform, including text, graphics, logos, videos, audio, software, and course materials, is the property of Laverno Lunar or our content licensors and is protected by copyright, trademark, and other intellectual property laws.

7.2 User Content

By submitting, posting, or uploading content to our platform, including comments, questions, or forum posts, you grant us a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, modify, distribute, and display such content in connection with our services.

7.3 Copyright Infringement

We respect intellectual property rights and expect our users to do the same. If you believe that content on our platform infringes your copyright, please contact us at [email protected] with details of the alleged infringement.

8. User Conduct and Community Guidelines

Our platform fosters a respectful learning environment. You agree to engage with other learners, instructors, and our team professionally and courteously. Prohibited conduct includes:

9. Third-Party Links and Services

Our platform may contain links to third-party websites, services, or resources. These links are provided for convenience only. We do not endorse and are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party services is at your own risk and subject to their terms and conditions.

10. Privacy and Data Protection

Our collection, use, and protection of your personal information are governed by our Privacy Policy. By using our services, you consent to our data practices as described in the Privacy Policy.

11. Disclaimers and Limitation of Liability

11.1 No Warranties

Our platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

11.2 Educational Content Disclaimer

The educational content provided on our platform is for informational purposes only and does not constitute professional advice. We do not guarantee the accuracy, completeness, or usefulness of any information. You should not rely solely on information from our courses for financial, legal, or professional decisions.

11.3 Limitation of Liability

To the maximum extent permitted by law, Laverno, its affiliates, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services, even if we have been advised of the possibility of such damages.

11.4 Maximum Liability

Our total liability to you for all claims arising from or related to these Terms or your use of our services shall not exceed the amount you paid us in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Laverno, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses, including reasonable legal fees, arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and notify you through our platform or via email. Your continued use of our services after changes become effective constitutes acceptance of the revised Terms.

14. Modifications to Services

We may modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of our services.

15. Termination

15.1 Termination by You

You may terminate your account at any time by contacting us at [email protected] or through your account settings. Upon termination, your right to access and use our services will immediately cease.

15.2 Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, all licenses and rights granted to you will immediately cease.

15.3 Effect of Termination

Upon termination, you must cease all use of our platform. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

16. Dispute Resolution

16.1 Informal Resolution

Before initiating any formal dispute resolution process, you agree to contact us at [email protected] to attempt to resolve the dispute informally. We will work with you in good faith to reach a mutually acceptable resolution.

16.2 Arbitration Agreement

Any dispute arising from or relating to these Terms or your use of our services shall be resolved through binding arbitration rather than in court, except that either party may seek injunctive relief in court for infringement of intellectual property rights.

16.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis and not as part of any class, consolidated, or representative action or proceeding.

17. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the competent courts, and you consent to personal jurisdiction in such courts.

18. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Laverno regarding your use of our services and supersede all prior agreements and understandings.

20. No Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver of any provision will be effective only if in writing and signed by an authorized representative of Laverno.

21. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section shall be null and void.

22. Contact Information

If you have questions, concerns, or complaints about these Terms, please contact us:

Laverno
89 3rd St, Voorspoed, Welkom, 9459, South Africa
Email: [email protected]
Phone: +27118132213
Telegram: https://t.me/+27118132213

By using our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.