1. Acceptance of Terms

When you visit our site or sign up for our learning programs, you're entering into a legal agreement with lomvireqosa. These terms apply to all visitors, users, and anyone who accesses our content or services.

We might update these terms from time to time. If we make significant changes, we'll post them here with a new date at the top. Your continued use of our services after changes means you accept the updated terms.

2. Educational Services and Content

lomvireqosa provides educational resources focused on financial decision making. Our programs, articles, and materials are designed to help you build knowledge and skills related to personal and business finance.

What We Offer

Our services include online learning programs, educational articles, financial planning frameworks, and decision-making tools. All content is created for educational purposes and should be used as part of your broader financial education.

What We Don't Promise

We don't guarantee specific financial outcomes or results. Everyone's financial situation is different, and what works for one person might not work for another. Our content is meant to educate, not to replace professional financial advice tailored to your specific circumstances.

3. User Responsibilities

When you use our services, you agree to:

• Provide accurate information when creating an account or enrolling in programs
• Keep your login credentials secure and not share them with others
• Use our content for personal educational purposes only
• Not copy, redistribute, or sell our educational materials
• Respect the intellectual property rights of lomvireqosa and our content creators
• Not use our services for any unlawful purpose or to harm others
• Not attempt to interfere with the proper functioning of our website

If we notice any misuse of our services, we reserve the right to suspend or terminate your access without prior notice.

4. Intellectual Property Rights

Everything you see on our website—the text, graphics, logos, course materials, videos, and software—belongs to lomvireqosa or our licensors. This content is protected by Australian and international copyright laws.

You can access and use our materials for your personal learning. But you can't reproduce, distribute, modify, or create derivative works without our written permission. If you're interested in using our content in ways beyond personal use, get in touch with us at help@lomvireqosa.com.

5. Payment Terms and Refunds

Some of our educational programs require payment. When you enroll in a paid program, you agree to pay the fees as described at the time of enrollment.

Billing and Payment

We accept various payment methods and use secure third-party payment processors. You're responsible for providing accurate payment information and maintaining sufficient funds or credit for your chosen payment method.

Refund Policy

We want you to be satisfied with our programs. If you're not happy with a course within 14 days of purchase and haven't completed more than 25% of the content, contact us to discuss a refund. Each request is reviewed individually.

Refunds typically process within 7-10 business days after approval. Note that some special promotions or bundled programs may have different refund terms, which will be clearly stated at the time of purchase.

6. User-Generated Content

Some areas of our platform allow you to submit comments, questions, or other content. When you post something on our site, you grant lomvireqosa a non-exclusive, worldwide, royalty-free license to use, display, and distribute that content in connection with our services.

You're responsible for anything you post. Don't share content that's illegal, offensive, defamatory, or violates someone else's rights. We can remove any user content at our discretion, though we're not obligated to monitor everything posted.

7. 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 alongside these Terms of Use.

By using our services, you consent to our data practices as described in our Privacy Policy. We collect information to provide better educational experiences and to communicate with you about programs and updates.

8. Third-Party Links and Services

Our website might link to external sites or services we don't control. These links are provided for convenience, and we don't endorse or take responsibility for the content or practices of third-party sites.

When you click through to another website, their terms and privacy policies apply. We recommend reading those before providing any information or using their services.

9. Disclaimers and Limitations

Educational Nature of Content

Our content is educational and informational. While we work hard to provide accurate and helpful information, financial markets and regulations change. We can't guarantee that all information is current or complete at all times.

No Professional Advice

Nothing on our site constitutes financial, legal, tax, or professional advice. Our content shouldn't be the sole basis for financial decisions. Everyone's situation is unique, and you should seek personalized advice from qualified professionals.

Limitation of Liability

To the fullest extent permitted by law, lomvireqosa and its directors, employees, and partners are not liable for any indirect, incidental, special, or consequential damages arising from your use of our services. This includes loss of profits, data, or other intangible losses.

Our total liability for any claims related to our services is limited to the amount you paid us in the twelve months before the claim arose, or $100 AUD, whichever is greater.

10. Indemnification

You agree to defend, indemnify, and hold lomvireqosa harmless from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of our services, your violation of these terms, or your violation of any rights of another person or entity.

11. Term and Termination

These terms remain in effect while you use our services. You can stop using our services at any time. We can suspend or terminate your access if you breach these terms or for other legitimate reasons.

After termination, sections of these terms that should reasonably survive—including intellectual property provisions, disclaimers, and limitations of liability—will continue to apply.

12. Governing Law and Disputes

These terms are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts in New South Wales.

Before filing any legal claim, we encourage you to contact us to try resolving the issue informally. Many concerns can be addressed through direct communication.

13. Changes to Services

We're always working to improve our educational offerings. We might add new features, modify existing ones, or discontinue certain aspects of our services. We'll try to give reasonable notice of significant changes, but we're not obligated to maintain any particular feature indefinitely.

14. General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and lomvireqosa regarding our services.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect.

Waiver

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

Assignment

You can't transfer your rights or obligations under these terms without our written consent. We can assign our rights and obligations to another entity at our discretion.