Effective Date: January 15, 2026
Welcome to Lyra. By accessing or using our mobile application, you agree to be bound by these Terms of Service. Please read them carefully.
1. Acceptance of Terms
By creating an account or using Lyra, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.
2. Age Requirement
You must be at least 18 years old to use Lyra. By using our app, you represent and warrant that you are 18 years of age or older. We do not knowingly collect information from or direct any of our services to anyone under the age of 18.
3. Account Registration
To use certain features of Lyra, you must create an account. You agree to:
- Provide accurate and complete information
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized access
- Be responsible for all activities under your account
4. User Conduct and Content
When using Lyra, you agree to:
- Use the app in compliance with all applicable laws
- Respect other users and their privacy
- Not post inappropriate, offensive, or harmful content
- Not engage in harassment, bullying, or abusive behavior
- Not impersonate others or misrepresent your identity
- Not spam or post misleading information
5. Zero-Tolerance Policy
Lyra maintains a zero-tolerance policy for the following:
- Harassment, threats, or intimidation of any kind
- Sexually explicit, violent, or otherwise inappropriate content
- Hate speech, discrimination, or promotion of violence
- Illegal activities or content
- Spam, scams, or fraudulent behavior
Violation of this policy will result in immediate content removal and may lead to account suspension or permanent termination without warning.
6. Content Ownership and License
You retain ownership of the content you post on Lyra. However, by posting content, you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content within the app to provide our services.
7. Content Moderation
We reserve the right to:
- Review, monitor, and remove any content at our discretion
- Suspend or terminate accounts that violate these Terms
- Take appropriate action against users who violate our policies
8. Financial Information Disclaimer
Lyra is a personal finance tracking tool and community platform. We do not provide financial advice, and the information shared by users should not be considered professional financial guidance. You are responsible for your own financial decisions.
9. Privacy and Data
Your use of Lyra is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.
10. Intellectual Property
The Lyra app, including its design, features, and content (excluding user-generated content), is owned by us and protected by intellectual property laws. You may not copy, modify, or distribute our app or its content without permission.
11. Termination
You may delete your account at any time through the app settings. We reserve the right to suspend or terminate your account if you violate these Terms or engage in conduct that we deem harmful to other users or our platform.
12. Disclaimer of Warranties
Lyra is provided "as is" without warranties of any kind. We do not guarantee that the app will be error-free, secure, or continuously available. You use the app at your own risk.
13. Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of Lyra.
14. Changes to Terms
We may update these Terms of Service from time to time. We will notify you of any material changes by posting the new Terms on this page and updating the "Effective Date" above. Your continued use of Lyra after changes constitutes acceptance of the updated Terms.
15. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.
16. Contact Us
If you have any questions about these Terms of Service, please contact us at:
Email: support@lyra.com
By using Lyra, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.
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