What you agree to, in full.
Most terms are long because they are written to be skipped. These are short because nearly everything they cover happens on your own device.
EFFECTIVE 2026-09-20 · VERSION 1.0 · TECHNOR
These terms apply between you and Technor when you use Alvenera. Using the app means accepting them.
Your licence
You have a personal, non-exclusive, non-transferable licence to install and use the app on devices you control, for your own purposes, personal or business. The app itself remains ours. The data you put into it remains entirely yours, and we never see it.
It is not advice
Nothing in the app is financial, investment, tax, accounting or legal advice, and no figure it displays is a recommendation to do anything. It does not know your circumstances, it has no view on what you should do, and it is no substitute for a qualified professional. Decisions that matter deserve one.
It is not a statement
No figure comes from a bank, a lender or a card issuer: everything is calculated from what you entered or imported, so it inherits whatever is wrong or missing in that. Your own statements remain the record. Checking the figures, reconciling them against those statements, and owning the decisions that follow are yours.
A projection is not a prediction
The runway, the amortization schedules and the payoff estimates all assume the future looks like what you have told the app to expect. Rates change, payments are missed, life happens. A projection is arithmetic on your assumptions, not a forecast of your finances.
Backups, passwords and your data
You are responsible for keeping your own backups and for remembering your app password. A lost password cannot be recovered, and encrypted backups made under it cannot be opened without it — by anyone, including us. Data lost from a device with no backup is gone, and we have no copy of it.
No warranty
The app is provided as is and as available, without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that it will be error-free or uninterrupted. It may contain errors. It may lose data.
Limits of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, nor for any loss of data, profits, revenue or savings, arising out of or in connection with your use of the app — including financial decisions made on the basis of what it displays. Where liability cannot lawfully be excluded, it is limited to the amount you paid for the app.
Consumer protection law limits these exclusions. In Québec, and in other places with similar statutes, a consumer keeps rights that no contract can remove, and this section applies only so far as the law allows.
Your store's terms apply as well
The app is distributed through app stores that impose their own terms on the download and on any payment. Those terms sit alongside these ones, and where a store's rules give you more than these terms do, the store's rules govern.
Changes
The app changes, and these terms may change with it. The current version always ships inside the app, under Setup, carrying a version number and a date — the same ones printed at the head of this page.
Governing law
These terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable there, without regard to conflict-of-law rules, and the courts of that province have jurisdiction. If you are a consumer resident elsewhere, this does not deprive you of the protection of the mandatory law of your own place of residence.
Contact
[email protected] · Technor, Québec, Canada