Terms of Use

1. Acceptance of Terms

By creating an account, accessing our learning materials, or using any part of our platform, you confirm that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Your continued use following any modifications constitutes acceptance of those changes.

2. User Accounts and Registration

Account Creation

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

Account Responsibilities

• You must be at least 18 years old to create an account
• One person may maintain only one active account
• You're responsible for all activity that occurs under your account
• You must notify us immediately of any unauthorized access
• You may not transfer or sell your account to another person

We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent activity.

3. Use of Services and Content

Permitted Use

Our educational content and services are provided for personal, non-commercial use. You may access our materials for the purpose of financial education and personal development within the scope of our programs.

Prohibited Activities

You agree not to:

• Copy, reproduce, or distribute our proprietary content without written permission
• Share account credentials with others or allow unauthorized access
• Use our platform for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the operation of our services
• Upload malicious code, viruses, or harmful software
• Harass, abuse, or harm other users or our staff
• Impersonate another person or entity

4. Intellectual Property Rights

All content on our platform, including text, graphics, logos, course materials, videos, and software, is owned by minthaevox or our licensors and protected by Australian and international copyright laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal educational purposes. This license does not include any resale or commercial use of our services or content.

5. Educational Content Disclaimer

The information provided through our platform is for educational purposes only and should not be considered professional financial advice. While we strive for accuracy, we make no representations about the completeness or reliability of any information.

No Guarantees

We do not guarantee specific financial outcomes, income levels, or results from participation in our programs. Individual results vary based on numerous factors including personal effort, market conditions, and individual circumstances.

You should consult with qualified financial professionals before making significant financial decisions. Our content does not replace professional advice tailored to your specific situation.

6. Payment Terms and Refunds

Payment Processing

Payment for services must be made through our approved payment methods. All fees are in Australian dollars unless otherwise stated. You're responsible for any applicable taxes.

Billing

For subscription services, you authorize us to charge your payment method on a recurring basis. You can cancel subscriptions through your account settings. Cancellations take effect at the end of the current billing period.

Refund Policy

Refund eligibility depends on the specific service or program purchased. Details are provided at the time of purchase. Generally, digital content accessed or downloaded is non-refundable. Contact us within the specified timeframe if you believe you're eligible for a refund.

7. User-Generated Content

Our platform may allow you to post comments, questions, or other content. By posting content, you grant minthaevox a worldwide, non-exclusive, royalty-free license to use, reproduce, and display that content in connection with our services.

Content Standards

Your content must:

• Be accurate and not misleading
• Comply with applicable laws and regulations
• Respect the rights of others
• Not contain offensive, defamatory, or inappropriate material

We reserve the right to remove any content that violates these standards or our community guidelines.

8. Privacy and Data Protection

Your privacy matters to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these terms. By using our services, you consent to our data practices as described in that policy.

We implement reasonable security measures to protect your information, but no system is completely secure. You acknowledge the inherent risks of transmitting information online.

9. Third-Party Links and Services

Our platform may contain links to third-party websites or services that we don't control. We're not responsible for the content, privacy policies, or practices of any third-party sites. You access third-party resources at your own risk.

Inclusion of any link doesn't imply endorsement. We encourage you to review the terms and policies of any third-party sites you visit.

10. Limitation of Liability

To the maximum extent permitted by Australian law, minthaevox and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Our total liability for any claims related to our services is limited to the amount you paid us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold minthaevox harmless from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of our services, violation of these terms, or infringement of any rights of another party.

12. Termination

By You

You may terminate your account at any time by contacting us or using the account closure feature in your settings. Termination doesn't relieve you of obligations incurred before termination.

By Us

We may suspend or terminate your access immediately, without notice, if you breach these terms or engage in conduct we deem harmful to our platform, other users, or our business interests.

Upon termination, your right to use our services ceases immediately. Provisions that should reasonably survive termination will remain in effect.

13. Dispute Resolution

These terms are governed by the laws of the Australian Capital Territory and the Commonwealth of Australia. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of the Australian Capital Territory.

Informal Resolution

Before initiating formal proceedings, we encourage you to contact us to resolve disputes informally. Many concerns can be addressed through direct communication.

14. General Provisions

Entire Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between you and minthaevox regarding use of our services.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full force and effect.

Waiver

Our failure to enforce any right or provision doesn't constitute a waiver of that right or provision.

Assignment

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