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Terms of Service

Last updated: January 2025

1. Acceptance of Terms

By accessing and using the services provided by Aurora Global Holdings Limited ("GlowMorph", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms apply to all visitors, users, and others who access or use our financial consulting services, website, and any related services.

2. Description of Services

Aurora Global Holdings Limited provides professional financial consulting services, including but not limited to:

• Personal financial planning and advisory services
• Investment guidance and portfolio management consultation
• Financial education and resources
• Digital tools and calculators for financial planning
• One-on-one consultation sessions via various communication channels

3. User Responsibilities and Prohibited Uses

By using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Be at least 18 years of age or have parental consent

You agree NOT to:

• Use our services for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Transmit any malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems
• Impersonate any person or entity
• Resell or commercially exploit our services without permission
• Interfere with or disrupt our services or servers

4. Payment Terms

By purchasing our services, you agree to:

• Pay all fees according to the pricing plan you select
• Provide valid payment information
• Authorize us to charge your payment method for recurring subscriptions

All fees are quoted in US Dollars unless otherwise specified. Prices are subject to change with 30 days' notice. For refund information, please refer to our Refund Policy.

5. Intellectual Property Rights

All content, features, and functionality of our services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the exclusive property of Aurora Global Holdings Limited and are protected by international copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without written permission
• Use our trademarks or logos without authorization
• Reverse engineer any proprietary software or technology
• Remove any copyright or proprietary notices

6. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information

We do not guarantee that our services will be uninterrupted, secure, or error-free. Any financial decisions you make based on our services are at your own risk.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GLOWMORPH CAPITAL LLC SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Any damages exceeding the amount you paid for our services in the past 12 months

This limitation applies regardless of the legal theory on which the claim is based and whether we had been advised of the possibility of such damages.

8. Indemnification

You agree to defend, indemnify, and hold harmless Aurora Global Holdings Limited, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use or misuse of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Any content you submit or share through our services

9. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to our collection and use of your information as described in this policy.

10. Termination

We reserve the right to terminate or suspend your account and access to our services at our sole discretion, without notice, for any reason, including but not limited to breach of these Terms.

Upon termination:

• Your right to use our services will immediately cease
• We may delete your account and any associated data
• You remain liable for any outstanding fees

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Florida.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by:

• Posting the updated Terms on our website
• Updating the "Last updated" date
• Sending an email notification for material changes

Your continued use of our services after any changes constitutes acceptance of the new Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and Aurora Global Holdings Limited regarding the use of our services.

15. Contact Information

For questions about these Terms of Service, please contact us at:

Aurora Global Holdings Limited
One Financial Plaza, Suite 800
Miami, FL 33131
Email: support@glowmorph.com
WhatsApp: +1 (415) 555-0126