Terms & Conditions of Use and Sale for users of this website and application
The following terms and conditions apply to this website " EFILYM " hereafter known as "This Website" and application hereafter known as "The Application" are accessable at https://www.efilym.me. The Provider reserves the rights at its discretion to modify these Terms and Conditions for Use and Sale.
Description of Services
This Website proposes Services that permit to manage a Lifestyle Change (analyse and manage the expenses, incomes, and assets, etc…..) These Services are provided to users who have a need to test their change of lifestyle hypotheses to be able to develop, and mature their Lifestyle Change projects over time. The tariffs proposed permit the Users to access an application for a period of time (depending on the subscription period chosen) with the appropriate simulation functions allowing to analyze all important financial aspects to be considered in managing a Lifestyle Change project. The User recognizes that the Services provided are done so in order help manage a Lifestyle Change based on all the financial elements collected and entered by the User into The Application. The simulations completed are based on certain simple hypotheses that are in no way intended to cover all special cases that could be considered in a Lifestyle Change project. The Tax calculations (Tax on the income and Fortune Tax) are approximations with absolutely zero legal value and are intended to be able to simulate approximately the tax impacts in a Lifestyle Change project. These calculations replace in absolutely no case the studies or calculations that could be carried out by recognized tax authorities.
The use of This Website and The Application require a high speed internet connection whether by personal computer or portable devices. Those connections are not supplied by the Provider and any user must first subscribe to such a high speed connection to be able to use this website and application. A mobile internet connection of at least level 3G is highly recommended. The quality of performance of the This Website and The Application will vary according to the quality of the Users internet connection and this aspect is outside the control of the Provider.
Acess & Usage
An account is required to be created to be able to access and subscribe to The Application. The mandatory information provided to be able to be taken into account for your account creation is a valide email address, creation of a password, the residential country and then validation of these present conditons. After your account has been created users can access The Application by entering their email and password as saved during your account creation. In the case of a forgotten password, users can use the function to be able to reset their password on the website. The email address and the password that were chosen during your account creation are the property of the User and considered personal and confidential. All use of The Application via a users account presumes to be by the user or people that the user has duely authorized to do so. As such EFILYM cannot in any case by held responsable for consequences resulting from illicite, fraudulent, ou abusive use of your email address and password to access The Application by any 3rd party not authorized by you or by your fault or negligence. In the case of the account identifier and your password being stolen, or in the case where it is no longer possible to connect to their account, users should contact us immediately by email at firstname.lastname@example.org. Once users accounts are created they become a member of the website and have access to The Application that non-members will not. To be able to subscribe to one of the subscriptions proposed, the user must choose between the options (annual, semi-annual, quarterly, or other), provide the mandatory information in the form on The Website, accept the Terms and Conditions and click on the button ( " Validate " ). The user will receive an invoice and confirmation of their order. The Providers obligation is to provide users with access to The Application as soon as we have recieved confirmation of the payment of your order and we have confirmed the users order by email. We will confirm the order and the period for which the user have subscribed to The Application. Users should provide the invoice number in each correspondance to the Provider concerning their subscription. Users have the choice to pay either in Australian Dollars (CAD), Canadian Dollars (CAD), Euros (EUR), American Dollars (USD), New Zealand Dollars (NZD), or Sterling Pounds (GBP), and the price will include the value added tax applicable at the time of your payment, except when indicated differently. The Provider can at any moment from time to time at their discretion update pricing for the subscriptions, taxes, or add new subscriptions or services but this will have no impact on any existing users already with a current valide subscription and only take affect for any new subscription.
Its possible to make your payment via two means on The Website (Visa or Mastercard). The credit card payments are made through secure transactions provided by an online payment platform provider. Payment is made directly to the bank or online payment platform provider. All subscriptions are paid in advance of the period of subscription. No partial reimbursment will be made (corresponding to a porton of a period paid in advance) in the case of any subscription cancellation.
Users acceptance of these General Conditions of Use implies that the User has the legal capacity required to do so. By creating an account on This Site and using The Application, users confirm and guarantee that the information that they have provided is correct, personal, and that they are not using someone elses personal information without their authorization. If the User is underage or does not have the legal capacity to enter into contracts, he or she declares having the consent of a parent or legal guardian.
Claims, cancelations, and right of retraction
For any claim, users can contact us by email at the addresse : email@example.com. If desired, users can at any time cancel their subscription at which time all access to their account will be removed. At a later date however if the same user wishes to subscribe again to use The Application then they will be able to access the same account with the same information that they have already entered into the application for a period up to 2 years after the cancellation. The Provider engages to keep users personal information entered in The Application for a period of at least 2 years, so that in the case of any gap between subscriptions they will be able to continue with their project and simulations based on the information already entered in The Application. If don't dont re-subscribe during the 2 year period, the Provider has the right to delete the user accounts definitively at which point all information previously entered and saved in the application will be deleted forever. The Provider can suspend or cancel any subscription without notice or legal implications your access to the application following any fraudulent actions or the breach of these current conditions. Any such cancellation or suspension cannot be considered harmful to the excluded member, who cannot claim any compensation for the account cancellation. This cancellation does not prevent the Provider to initiate legal actions or a lawsuit against the member, should the facts warrant it. In conformity with the law, users have the right of retraction. Users have 14 calender days from the date from which the Provider provides users access to The Application to excerise their right of retraction without any reason to explain the reasons behind your decision. In such a case, users will be reimbursed the amount paid during their order by the same payment method as they chose to make the payment. The reimbursment will take place within 14 days from the date that we receive confirmation of your request to exercise the right of retraction. User can excerise this right of retraction by sending an email to : firstname.lastname@example.org.
Limits of responsability
The Provider will at all times do the maxium to ensure a high quality of access to The Website and The Application, and security of your personal information entered into The Website or The Application, but accept no obligation resulting in any subsequent consequences from the usage of the website or application. Even if the Provider makes all efforts to ensure continued access to The Website and The Application, it cannot be guaranteed that access may be interupted for maintenance or other technical reasons. In addition the Provider will not be held responsable for all technical disfunctions or other events outside our reasonable control preventing users access to The Website or The Application. Users can at any time let us know of any problems that they may have in connection to their account by sending us an email at email@example.com. Failure to connect to the website is not considered harmful to the users, and will not result in any right to any kind of compensation. The unavailability of the site, even for extended periods and without any time limit, concerning one or several products, cannot be considered harmful to users and shall not motivate the reparation of damages towards the users. The Provider draws users attention particularly to their resonsability to take all necessary measures to protect themselves from unauthorized intrusions to their accounts and equipment with the appropriate anti-virus software and actions to protect their logon account identifers and passwords. Absolutely no malfunction of This Website or The Application when resulting from using inadequate equipment or anti-virus protection software can be attributed to the responsabilty of the Provider. All information made available on The Website or in The Application are considered of nature informative and are not considered as professional advice. The Provider cannot be held responsable for consequences from decisions made by users in their Lifestyle Change projects by using This Website or The Application. In the same manner the Provider cannot accept any responsability for the accuracy of the information entered into the application and the accuracy of any analysis and simulations completed. The Provider will always make all efforts to provide the best service possible with continued access to the site and application, but cannot guarantee that it will be without errors, inaccuracies or problems. In the case where users find an error, inaccuracy or a problem, they should let us know as soon as possible by sending us an email at firstname.lastname@example.org and we will do our best to fix the issue as fast as we reasonably can. "The Provider cannot be liable for any technical unavailability of the connection to the website, including but not limited to unavailability due to a force major event, maintenance, update, changes being made to the site, intervention by the hosting company, internal or external strike, network outage, power failure, or a bad setup or operation of the User computer." The provider cannot be held responsable for the choice of length of subscription choosen by the User.
The Provider can transfer their rights, conditions to any other company, person at any time as long as that does not modify significantly your rights. Certain laws oblige that communications and informations that we will send you must be in written form. When you use The Website and The Application you accept that these communications will be in electronic form and you recognize that these contracts, information, advice, and any other communication sent in electronic form have the same value as any other written form.
Everything on this website is provided for informational and inspirational purposes only and is not intended to substitute professional financial advice. The use of the EFILYM website does not imply a consulting or coaching relationship. Its highly recommended to consult a licensed financial and/or legal professional for advice on your own situation.
Our legal notices can be found here.