1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and paventarilo regarding your access to and use of our website, educational content, and related services. By creating an account, enrolling in courses, or accessing our materials, you acknowledge that you have read, understood, and agree to comply with these terms.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications indicates acceptance of the updated terms. We recommend reviewing this page periodically.

2. User Accounts and Registration

To access certain features of our educational platform, you may need to create an account. When registering, you agree to provide accurate, current, and complete information. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Responsibilities

• You must be at least 18 years old to create an account, or have parental consent if under 18
• You agree to notify us immediately of any unauthorized use of your account
• You may not share your account credentials with others or allow others to access your account
• You're responsible for all content posted or transmitted through your account
• You agree to provide accurate contact information and keep it updated

We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activity, or pose security risks to our platform or other users.

3. Educational Services and Content

paventarilo provides educational content and resources focused on startup strategies and financial education. Our courses, articles, and materials are designed to offer practical knowledge and skills development. However, we make no guarantees about specific outcomes, employment opportunities, or financial results from using our services.

Course Enrollment and Access

When you enroll in our courses, you receive a non-exclusive, non-transferable license to access the course materials for personal educational use. Course availability and scheduling may vary. We strive to maintain accurate course descriptions, but content may be updated or modified to reflect current industry practices and feedback from participants.

4. Intellectual Property Rights

All content available through paventarilo, including but not limited to text, graphics, logos, course materials, videos, software, and other materials, is owned by or licensed to paventarilo and protected by Australian and international copyright, trademark, and other intellectual property laws.

Permitted Use

• You may access and view content for personal, non-commercial educational purposes
• You may download materials explicitly marked as downloadable for offline study
• You may share links to our publicly available content

Prohibited Use

• Reproducing, distributing, or republishing our content without written permission
• Recording, copying, or sharing course videos or materials with others
• Using our content for commercial purposes or resale
• Modifying or creating derivative works from our materials
• Removing copyright notices or proprietary markings from any content

5. User Conduct and Prohibited Activities

We want to maintain a respectful and productive learning environment. You agree not to engage in activities that disrupt our services or harm other users. This includes both obvious violations and more subtle behaviours that undermine the educational experience.

You may not use our platform to:

• Harass, threaten, or intimidate other users or our staff
• Post or transmit illegal, harmful, or offensive content
• Impersonate any person or entity, or misrepresent your affiliation
• Attempt to gain unauthorized access to our systems or other user accounts
• Interfere with or disrupt the operation of our website or services
• Use automated systems or bots to access our platform without permission
• Collect or harvest information about other users without consent
• Post spam, advertisements, or promotional content in inappropriate areas

6. Payment Terms and Refunds

Some of our educational services require payment. By purchasing access to paid courses or materials, you agree to pay all applicable fees as described at the time of purchase. All fees are in Australian dollars unless otherwise specified.

Payment Processing

We use third-party payment processors to handle transactions securely. By providing payment information, you confirm that you're authorized to use the payment method. You're responsible for ensuring your payment information remains current and valid.

Refund Policy

Refund eligibility varies depending on the specific course or service purchased. Generally, refund requests must be submitted within 14 days of purchase and before significant course content has been accessed. We handle refund requests on a case-by-case basis, considering factors like course completion percentage and time elapsed since enrollment.

7. Privacy and Data Protection

Your privacy matters to us. We collect and use personal information in accordance with our Privacy Policy, which forms part of these Terms of Use. By using our services, you consent to our collection and use of information as described in that policy.

We implement reasonable security measures to protect your data, but no internet transmission is completely secure. You acknowledge that you provide information at your own risk. We're not liable for unauthorized access to your data resulting from circumstances beyond our reasonable control.

8. Disclaimers and Limitations

Our educational services are provided "as is" without warranties of any kind, either express or implied. While we work hard to deliver quality content, we don't guarantee that our services will meet your specific needs or expectations.

No Guaranteed Outcomes

Success in applying the knowledge from our courses depends on many factors outside our control, including your individual effort, circumstances, and market conditions. We make no representations about employment prospects, income potential, or business success resulting from our educational programs. Results vary significantly among individuals.

Third-Party Content and Links

Our platform may contain links to third-party websites or reference external resources. These are provided for convenience only. We don't endorse or assume responsibility for third-party content, and you access such resources at your own risk.

9. Termination

Either party may terminate this agreement at any time. You can close your account by contacting us or using account management features on our platform. We may suspend or terminate your access immediately, without notice, if you violate these terms or engage in conduct we consider harmful to our platform or other users.

Upon termination, your right to access our services ends immediately. Sections of these terms that by their nature should survive termination will remain in effect, including intellectual property provisions, disclaimers, and limitations of liability.

10. Governing Law and Disputes

These Terms of Use are governed by the laws of New South Wales, Australia, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in New South Wales.

Before initiating legal proceedings, you agree to attempt to resolve disputes informally by contacting us. We'll work in good faith to reach a reasonable solution. If informal resolution fails after 30 days, either party may pursue formal dispute resolution.

11. Changes to Services

We continuously improve our educational offerings. This means we may add, modify, or discontinue features, courses, or services at any time without prior notice. We're not liable for any modifications or discontinuations, though we'll make reasonable efforts to notify users of significant changes that affect access to purchased content.

12. General Provisions

Entire Agreement

These Terms of Use, along with our Privacy Policy and any specific course terms, constitute the entire agreement between you and paventarilo regarding 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 shall be limited or eliminated to the minimum extent necessary so that the remaining terms 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 paventarilo.

Assignment

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