Acceptance of Terms

Welcome to cikutivaaruli's financial education platform. By accessing or using our website, educational materials, or services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

These terms constitute a legally binding agreement between you and cikutivaaruli Financial Education Services, located at 8 Fielding Way, Townsville QLD 4817, Australia. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting on our website.

User Agreement and Eligibility

To use our services, you must be at least 18 years of age or have parental consent if you are a minor. You represent and warrant that you have the legal capacity to enter into this agreement and that all information you provide is accurate and complete.

• You must provide accurate and current information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized use of your account
• You agree to use our services only for lawful purposes and in accordance with these terms

Educational Services and Content

Our educational programs are designed to provide comprehensive financial knowledge and practical skills. However, we want to be clear about what our services include and what they do not guarantee.

Course enrollment periods typically begin six to twelve months after initial inquiry, allowing adequate time for program preparation and student readiness assessment. All educational content is provided for informational purposes and should not be considered as personalized financial advice.

Intellectual Property Rights

All content provided through our platform, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, and software, is the property of cikutivaaruli or its content suppliers and is protected by Australian and international copyright laws.

• You may not reproduce, distribute, or create derivative works without written permission
• Educational materials are licensed for personal use only
• Sharing login credentials or course materials with others is prohibited
• Screenshots or recordings of course content are not permitted without authorization

User Conduct and Responsibilities

As a user of our platform, you agree to conduct yourself professionally and respectfully. This includes interactions with instructors, fellow students, and our support team.

You are prohibited from using our services to transmit, distribute, or store material that is unlawful, defamatory, infringing, obscene, or otherwise objectionable. This includes but is not limited to harassment, spam, or any form of discriminatory content.

Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information in accordance with Australian Privacy Principles and applicable data protection laws. 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 the collection, use, and disclosure of your personal information as described in our Privacy Policy. We implement appropriate security measures to protect your information but cannot guarantee absolute security in the digital environment.

Payment Terms and Refund Policy

All fees are payable in Australian dollars and are subject to applicable taxes. Payment is required prior to accessing course materials unless otherwise specified in your enrollment agreement.

Refund requests must be submitted within 14 days of course commencement and are subject to our refund policy conditions. Refunds are processed within 10-14 business days of approval and are returned via the original payment method.

• Full refunds available within first 14 days if less than 20% of content accessed
• Partial refunds may be considered for exceptional circumstances
• Administrative fees may apply to refund processing
• Refunds do not apply to completed courses or certificates already issued

Limitation of Liability

While we strive to provide high-quality educational content, we cannot guarantee that our services will meet all your expectations or requirements. To the fullest extent permitted by law, cikutivaaruli disclaims all warranties, express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose.

Our total liability to you for all claims arising from or related to our services shall not exceed the total amount paid by you to cikutivaaruli in the twelve months preceding the claim.

Termination and Suspension

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Use.

Upon termination, your right to use our services will cease immediately. All provisions of these Terms of Use which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, and limitations of liability.

Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of Queensland, Australia. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Queensland.

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 these Terms of Use will otherwise remain in full force and effect.

Changes to Services and Terms

We reserve the right to modify or discontinue our services at any time, with or without notice. We also reserve the right to update these Terms of Use periodically to reflect changes in our practices or applicable law.

Significant changes to these terms will be communicated to users via email or prominent notice on our website. Continued use of our services after any such changes constitutes acceptance of the new terms.

Accessibility and Technical Requirements

We are committed to making our services accessible to users with disabilities and strive to comply with applicable accessibility standards. If you encounter accessibility barriers, please contact our support team for assistance.

Access to our services requires a reliable internet connection and compatible device. While we support a wide range of devices and browsers, we cannot guarantee compatibility with all configurations.

• Minimum system requirements are specified in our technical documentation
• Regular software updates may be required for optimal performance
• Mobile access is available through responsive web design
• Technical support is available during business hours