Terms of Use

1. Acceptance of Terms

By creating an account, browsing our content, or engaging with our educational resources, you acknowledge that you've read, understood, and agreed to be bound by these Terms of Use, along with our Privacy Policy. These documents work together to define how we operate.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Continued use of our services after modifications constitutes acceptance of the updated terms. We'll make reasonable efforts to notify users of significant changes through email or prominent website notices.

2. Eligibility and Account Registration

You must be at least 18 years old to use our services. If you're registering on behalf of an organization, you confirm that you have the authority to bind that entity to these terms.

Account Responsibilities

When you create an account with flevatisar, you're responsible for:

• Providing accurate, current, and complete information during registration
• Maintaining the security of your password and account credentials
• Notifying us immediately of any unauthorized access or security breaches
• Accepting responsibility for all activities that occur under your account
• Keeping your contact information updated so we can reach you when needed

We're not liable for any loss or damage arising from your failure to maintain account security. Choose a strong password and don't share it with anyone. Seems obvious, but it's worth stating clearly.

3. Use of Services

flevatisar provides educational resources, tools, and information related to financial control and management. Our services are designed to help you understand and manage your finances more effectively.

Permitted Use

You may access our content for personal, non-commercial educational purposes. This includes reading articles, using our tools, participating in our learning programs, and engaging with our community resources.

Prohibited Activities

The following activities are strictly prohibited:

• Copying, reproducing, or distributing our content without written permission
• Using automated systems or software to extract data from our website
• Attempting to gain unauthorized access to our systems or networks
• Impersonating another user or providing false information
• Uploading viruses, malware, or any malicious code
• Harassing, threatening, or abusing other users or our staff
• Using our services for any illegal purpose or in violation of any laws
• Reselling or redistributing our educational content or services
• Interfering with the proper functioning of our website or services

4. Intellectual Property Rights

All content on flevatisar.com, including text, graphics, logos, images, videos, software, and educational materials, is owned by flevatisar or our content suppliers and protected by Australian and international copyright laws.

The flevatisar name, logo, and all related trademarks are our property. You can't use them without our explicit written consent. This protection extends to our course materials, proprietary methodologies, and educational frameworks.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for their intended purpose. This license doesn't include any right to download (other than page caching), modify, or resell any portion of our content or services.

5. Educational Content and Financial Information

Our educational resources are designed to improve your financial literacy and management skills. However, everyone's financial situation is different. What works for one person might not suit another.

We make reasonable efforts to ensure our content is accurate and current, but financial information can change rapidly. Always verify information independently before making important financial decisions.

No Guarantees

We don't guarantee specific outcomes from using our services. Financial success depends on many factors beyond our control, including your personal circumstances, effort, discipline, and external economic conditions. Our role is to provide education and tools, not to promise results.

6. User-Generated Content

Some areas of our website may allow you to post comments, questions, or other content. When you submit content to flevatisar, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display that content in connection with our services.

You retain ownership of your content, but you're responsible for ensuring it doesn't violate any laws or third-party rights. Don't post anything confidential or proprietary that you're not comfortable sharing publicly.

Content Standards

All user-generated content must:

• Be respectful and appropriate for a professional educational environment
• Not contain offensive, abusive, or discriminatory language
• Not infringe on anyone's intellectual property or privacy rights
• Not include spam, advertising, or promotional material
• Be relevant to the discussion or topic at hand

We reserve the right to remove any content that violates these standards or that we deem inappropriate, without prior notice. Repeated violations may result in account suspension or termination.

7. Payment and Refunds

Some of our services require payment. All fees are listed in Australian dollars unless otherwise specified. Prices are subject to change, but we'll notify you before charging any new fees for services you've already purchased.

Payment Processing

Payments are processed securely through third-party payment providers. We don't store your complete credit card information on our servers. By providing payment information, you confirm that you're authorized to use that payment method.

Refund Policy

Refund eligibility depends on the specific service purchased and is outlined at the time of purchase. Generally, digital educational content accessed or downloaded is non-refundable. For learning programs with specific start dates, refund requests must be submitted before the program begins.

We handle refund requests on a case-by-case basis and may consider extenuating circumstances. Contact us at contact@flevatisar.com with your refund request and we'll respond within five business days.

8. Privacy and Data Protection

We take your privacy seriously. Our collection and use of personal information is governed by our Privacy Policy, which you should read carefully. By using our services, you consent to our data practices as described in that policy.

We implement appropriate technical and organizational measures to protect your personal information. However, no internet transmission is completely secure. You use our services at your own risk.

Under Australian privacy law, you have rights regarding your personal information, including the right to access, correct, and request deletion of your data. Contact us if you wish to exercise these rights.

9. Limitation of Liability

To the maximum extent permitted by Australian law, flevatisar and its directors, employees, and affiliates are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.

This includes, but isn't limited to, loss of profits, data, or other intangible losses resulting from:

• Your access to or inability to access our services
• Any conduct or content of third parties on our platform
• Unauthorized access to or alteration of your content
• Financial decisions made based on our educational content
• Any other matter relating to our services

Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you paid us in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless flevatisar, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your violation of these Terms of Use
• Your violation of any rights of another party
• Your misuse of our services
• Any content you submit or post through our platform

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of these claims.

11. Termination

We may suspend or terminate your access to our services at any time, with or without cause, with or without notice. Reasons for termination might include violation of these terms, fraudulent activity, or behavior that we deem harmful to other users or our business.

You may terminate your account at any time by contacting us at contact@flevatisar.com. Upon termination, your right to use our services ceases immediately. Provisions of these terms that by their nature should survive termination will remain in effect.

Effect of Termination

After termination, you'll no longer have access to your account or any content associated with it. We're not obligated to maintain or provide you with copies of your content. You remain liable for any obligations incurred prior to termination.

12. Third-Party Links and Services

Our website may contain links to third-party websites or services that we don't own or control. We're not responsible for the content, privacy policies, or practices of any third-party sites. These links are provided for your convenience only.

We don't endorse or make any representations about third-party websites. Your use of third-party services is at your own risk, and you should review their terms and policies before using them.

13. Dispute Resolution

These Terms of Use are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of New South Wales.

Before initiating legal proceedings, we encourage you to contact us directly to resolve any issues. Most concerns can be addressed through open communication. Send disputes to contact@flevatisar.com with "Dispute Resolution" in the subject line.

Informal Resolution

We'll make good faith efforts to resolve disputes informally within 30 days of receiving your notice. If we can't reach a resolution, either party may pursue formal legal remedies.

14. General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and flevatisar regarding your use of our services. They supersede any prior agreements or understandings.

Severability

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

Waiver

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of flevatisar.

Assignment

You may not assign or transfer these terms or your account without our prior written consent. We may assign our rights and obligations under these terms without restriction.

Force Majeure

We're not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or internet service failures.

15. Updates to Terms

We review and update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. The "Effective Date" at the top of this document indicates when the terms were last revised.

For significant changes that materially affect your rights, we'll provide prominent notice on our website or send you an email notification. Your continued use of our services after such notice constitutes acceptance of the updated terms.

We recommend checking this page occasionally to stay informed about how these terms may affect you.