Terms and Conditions for lunivarethos.sbs Users

Please read these terms and conditions carefully before using lunivarethos.sbs. Your use of this website signifies your acceptance and agreement to comply with all policies outlined herein.

13 February 2026 - latest version

Acceptance of Terms

By accessing or interacting with lunivarethos.sbs, you agree to these terms, our Privacy Policy, Cookie Policy, and Disclaimer. If you do not consent to any portion of these terms, you should discontinue use immediately.

Key Definitions

For clarity, the following definitions apply throughout these terms. Additional definitions may appear in relevant site policies as well.

Lunivarethos.com: Refers to the website, brand, content, and any digital services provided or controlled by Lunivarethos.

User: Any individual who accesses or interacts with the site in any capacity, whether registered or unregistered.

Content: All information, materials, and media published or displayed on lunivarethos.sbs, including automated recommendations.

Australian Law: All relevant federal, state, and industry regulations that govern the use of digital services in Australia.

User Access and Conduct

You must use lunivarethos.sbs for lawful purposes only and refrain from activities that breach Australian law or compromise our systems.

Eligibility

Services are available only to users aged 18 years and above, and to those legally permitted to access financial recommendations in Australia.

By using this site, you confirm you meet minimum age requirements.

User Responsibilities

As a user, you agree to maintain the confidentiality of your access credentials and respect the rights of others on the platform.

Provide accurate, up-to-date information when registering or updating your user profile.
Secure your login details from unauthorised access at all times.
Refrain from engaging in any unlawful activity or attempting to disrupt the operation of the site.
Comply with all applicable laws, regulations, and these terms when using lunivarethos.sbs.

Prohibited Activities

The following actions are strictly prohibited and may result in account termination:

Sharing false or misleading information, reviews, or impersonating others.
Attempting to breach, test, or bypass site security or data protection mechanisms.
Uploading malware, viruses, or any code intended to damage the site or user devices.
Using automated tools or scripts to disrupt normal website operations.
Engaging in commercial activity or advertising without express written consent.

Intellectual Property Rights

All trademarks, code, content, and materials on lunivarethos.sbs are the exclusive property of Lunivarethos, protected by Australian and international copyright and intellectual property law. Unauthorised use is strictly prohibited.

User Content and Submissions

By submitting content to the site, you grant Lunivarethos a limited license to use, display, and adapt it for service purposes only.

Your Content Rights

You retain ownership over your contributions and can request removal subject to platform moderation and legal obligations.

Your Privacy

Our data collection and use practices are outlined in the Privacy Policy. Please review that document to understand how we protect information.

View Privacy Policy

Disclaimer of Liability

All automated recommendations are provided for informational purposes only and are not intended as personalised financial advice.

Important Risk Notice

Trading involves risk, and outcomes may vary between individuals. Past performance does not guarantee future results.

Limitation of Liability

Lunivarethos, its affiliates, or staff are not liable for direct or indirect losses arising from the use or inability to use our services or content.

Indemnification

You agree to indemnify and hold harmless lunivarethos.sbs, its employees, and agents from any claims, damages, or losses incurred from site use.

Dispute Resolution Terms

We encourage amicable solutions in event of disputes. Discussions should be initiated via our contact page in the first instance.

Arbitration

Unresolved disputes may be settled by arbitration in accordance with the laws of Australia, as outlined in these terms.

Arbitration decisions are binding to all parties.

Online Dispute Resolution

You may also access the Australian Online Dispute Resolution platform for guidance regarding unresolved consumer conflicts.

Go to Online Resolution Portal

Severability

If any provision is deemed invalid, the remainder shall remain in effect and fully enforceable.

Entire Agreement

These terms represent the full agreement between users and Lunivarethos regarding use of the site and supersede prior communications.

Governing Law

All terms are governed by the laws of Australia and local jurisdictions as appropriate.

Termination

Lunivarethos may deactivate your access without notice for breaches of terms, security threats, or other valid grounds.

Changes

Updates to terms or policies may be made periodically. Continued use signals acceptance of any changes.

Support & Contact

Reach out with questions, notices, or legal requests using the channels provided on our site.

Email Contact: content@lunivarethos.sbs

Phone: +61-3-9883-1835

Address: 265 King Street, Newcastle, NSW 2300 Australia

Effective Date: 13 February 2026

Version: 1.0