1. Acceptance of Terms

When you access our website or participate in our financial education programs, you're entering into a binding agreement with thurelavion. If you don't agree with any part of these terms, you shouldn't use our services.

These terms apply to all visitors, students, and users of our platform, including anyone who accesses our learning materials, attends our programs, or interacts with our content in any way.

We reserve the right to update these terms at any time. Significant changes will be communicated through email or prominent notices on our website. Your continued use after changes means you accept the updated terms.

2. Educational Services

2.1 Program Enrollment

Our financial education programs are designed to help participants develop better financial habits and understanding. Enrollment in any program requires completion of our registration process and acceptance of program-specific requirements.

Program availability may be limited by capacity. We don't guarantee acceptance into any specific program session, though we'll work to accommodate your schedule when possible.

2.2 Educational Content

All educational materials provided through thurelavion—including course content, worksheets, videos, and supplementary resources—are for educational purposes only. This content represents our approach to financial education but should not be construed as personalized financial advice.

2.3 Program Participation

Active participation enhances learning outcomes, but we understand life happens. While we encourage attendance and engagement, we recognize that circumstances vary. Program schedules and formats are subject to change based on educational needs and operational requirements.

3. User Responsibilities

3.1 Account Security

You're responsible for maintaining the confidentiality of your account credentials. If you suspect unauthorized access, notify us immediately. You're accountable for all activities that occur under your account.

3.2 Acceptable Use

When using our services, you agree not to:

• Share your account access with others or allow unauthorized use of your credentials
• Distribute, reproduce, or share our proprietary educational materials without explicit permission
• Use our platform for any unlawful purpose or to violate any applicable regulations
• Attempt to interfere with the proper functioning of our website or services
• Harass, intimidate, or discriminate against other users or our staff members
• Misrepresent your identity or affiliation when using our services
• Collect or harvest data from our platform without authorization

3.3 Accurate Information

You agree to provide accurate, current information during registration and to update this information as needed. Inaccurate information may affect your ability to access certain services or receive important communications.

4. Intellectual Property Rights

4.1 Our Content

All content on thurelavion.com—including text, graphics, logos, course materials, videos, software, and other materials—is owned by thurelavion or our content suppliers and protected by Australian and international copyright laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials solely for your personal educational purposes. This license doesn't include any right to resell, redistribute, or commercially exploit our content.

4.2 User-Generated Content

When you submit content through our platform—such as discussion posts, feedback, or project work—you retain ownership but grant us a non-exclusive license to use, modify, and display this content in connection with providing our services.

We may use anonymized examples from user submissions for educational purposes, but we'll never share personally identifiable information without your explicit consent.

5. Payment Terms

5.1 Fees and Billing

Program fees are outlined during the enrollment process. All fees are in Australian dollars unless otherwise specified. Payment is required before accessing paid programs or services.

We accept various payment methods as indicated during checkout. By providing payment information, you authorize us to charge the applicable fees to your chosen payment method.

5.2 Refund Policy

Refund eligibility depends on the specific program and timing of your request. Generally, requests made within the first week of a program may be eligible for consideration. Each situation is reviewed individually based on circumstances and program progression.

Refunds, when granted, are processed to the original payment method within 14 business days. Administrative fees may apply depending on the circumstances.

5.3 Price Changes

We reserve the right to modify program fees at any time. Price changes don't affect enrollments already completed but will apply to future enrollments or renewals.

6. Privacy and Data Protection

We take your privacy seriously. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms of Use.

By using our services, you consent to our data practices as described in the Privacy Policy. We comply with applicable Australian privacy laws, including the Privacy Act 1988.

We implement reasonable security measures to protect your information, but no system is completely secure. You acknowledge that you provide information at your own risk.

7. Disclaimers and Limitations

7.1 Educational Purpose Only

Our services are provided for educational purposes. We don't guarantee specific financial outcomes or results from participating in our programs. Individual results vary based on numerous factors beyond our control, including personal circumstances, effort, and market conditions.

While we strive for accuracy, we don't warrant that our content is always complete, current, or error-free. Financial markets and regulations change, and information that was accurate when created may become outdated.

7.2 Service Availability

We aim to provide uninterrupted access to our services but can't guarantee this. Our platform may be unavailable due to maintenance, technical issues, or circumstances beyond our control. We're not liable for any disruption to your access.

7.3 Limitation of Liability

To the fullest extent permitted by law, thurelavion and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Our total liability for any claim arising from these terms or your use of our services is limited to the amount you paid for the specific service giving rise to the claim, or $100 AUD, whichever is greater.

7.4 Third-Party Links

Our website may contain links to external resources. These are provided for convenience, and we don't endorse or assume responsibility for any third-party content, products, or services.

8. Termination

8.1 Your Right to Terminate

You may stop using our services at any time. For active enrollments, refer to our refund policy regarding potential fee recovery. Account closure requests should be submitted through our contact channels.

8.2 Our Right to Terminate

We reserve the right to suspend or terminate your access if you violate these terms, engage in conduct we reasonably believe is harmful to other users or our business, or for any other reason we deem appropriate.

In cases of termination for cause, no refunds will be provided. We'll make reasonable efforts to communicate the reason for termination, though we're not obligated to do so in all circumstances.

8.3 Effect of Termination

Upon termination, your right to access our services immediately ceases. Provisions that by their nature should survive termination—including intellectual property rights, disclaimers, and limitation of liability—remain in effect.

9. Dispute Resolution

9.1 Governing Law

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

9.2 Informal Resolution

Before pursuing formal action, we encourage you to contact us directly to resolve any concerns. Most issues can be addressed through open communication.

9.3 Arbitration

For disputes that can't be resolved informally, we may agree to binding arbitration as an alternative to court proceedings. Specific arbitration procedures would be mutually agreed upon if this path is chosen.

10. General Provisions

10.1 Entire Agreement

These Terms of Use, together with our Privacy Policy and any program-specific terms, constitute the entire agreement between you and thurelavion regarding our services.

10.2 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 so that the remaining terms continue in full force.

10.3 Assignment

You may not assign or transfer these terms or your rights under them without our prior written consent. We may assign these terms to any affiliate or in connection with a merger, acquisition, or sale of assets.

10.4 Waiver

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

10.5 Force Majeure

We're not liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or government actions.

11. Specific Program Terms

Individual programs may have additional terms or requirements specific to that offering. These program-specific terms supplement but don't replace these general Terms of Use.

You'll be notified of any program-specific terms during the enrollment process. By enrolling in a program, you agree to both these general terms and any additional program requirements.