Terms of Use

1 Acceptance of Terms

By accessing or using the virasolentia website (virasolentia.com) and its associated educational services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our platform or services.

These terms constitute a legally binding agreement between you and virasolentia, operating from 288 Keira St, Wollongong NSW 2500, Australia. Your continued use of our services indicates your ongoing acceptance of these terms and any modifications we may make from time to time.

2 Service Description and Educational Purpose

virasolentia provides online financial education focusing on budgeting skills, personal finance management, and related educational content. Our platform is designed for educational purposes and does not constitute financial advice, investment recommendations, or guarantees of financial outcomes.

Platform Services Include:

• Interactive budgeting courses and workshops
• Educational resources and downloadable materials
• Community discussion forums for learners
• Progress tracking and achievement recognition
• Access to certified instructors and support staff

3 User Accounts and Responsibilities

To access certain features of our platform, you may need to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

Account Requirements:

• You must be at least 18 years of age to create an account
• Provide accurate, current, and complete information during registration
• Maintain and update your account information as needed
• Use your account only for lawful purposes related to our educational services
• Not share your account credentials with others

You are solely responsible for any content you post, upload, or share through our platform. This includes ensuring that your contributions comply with applicable laws and do not infringe on the rights of others.

4 Prohibited Uses and Conduct

Users must not engage in activities that could harm our platform, other users, or violate applicable laws. We maintain the right to suspend or terminate accounts that violate these guidelines.

Prohibited Activities Include:

• Posting false, misleading, or fraudulent content
• Attempting to gain unauthorized access to our systems or other user accounts
• Using our platform to distribute spam, viruses, or malicious software
• Harassing, threatening, or abusing other users or staff members
• Violating intellectual property rights of virasolentia or third parties
• Using automated systems to access our platform without explicit permission
• Attempting to reverse engineer or extract proprietary information

5 Intellectual Property Rights

All content, materials, and resources available through virasolentia, including but not limited to text, graphics, logos, course materials, software, and audio-visual content, are protected by intellectual property laws and remain the exclusive property of virasolentia or our licensors.

Usage Rights and Restrictions:

• Users receive limited, non-exclusive access to educational materials for personal learning
• Content may not be reproduced, distributed, or modified without written permission
• Commercial use of our materials is strictly prohibited
• Users retain ownership of original content they create and share on our platform
• By posting content, users grant virasolentia a license to use, display, and distribute such content within our educational platform

If you believe your intellectual property rights have been infringed upon through our platform, please contact us immediately at info@virasolentia.com with detailed information about the alleged infringement.

6 Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which forms an integral part of these Terms of Use. By using our services, you also consent to our privacy practices.

We may use aggregated, anonymized data for research and improvement purposes. Individual user information will not be shared with third parties without explicit consent, except as required by law or as outlined in our Privacy Policy.

7 Limitation of Liability and Disclaimers

virasolentia provides educational services "as is" without warranties of any kind. We do not guarantee specific learning outcomes, financial results, or career advancement. Users acknowledge that their success depends on individual effort, circumstances, and external factors beyond our control.

Liability Limitations:

• virasolentia is not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount paid for services in the 12 months preceding any claim
• We do not guarantee continuous, uninterrupted access to our platform
• Technical issues, temporary outages, or system maintenance may affect service availability
• Users are responsible for maintaining backups of their personal data and progress

8 Termination and Account Suspension

Either party may terminate this agreement at any time. Users can close their accounts through their profile settings or by contacting our support team. virasolentia reserves the right to suspend or terminate accounts for violations of these terms or for other legitimate business reasons.

Termination Process:

• Users may request account deletion with 30 days written notice
• virasolentia may terminate accounts immediately for serious violations
• Upon termination, access to premium content and features will cease
• Users may download their personal data before account closure
• Certain obligations and restrictions may survive account termination

Refund eligibility for terminated accounts will be determined on a case-by-case basis according to our refund policy and the circumstances leading to termination.

9 Governing Law and Dispute Resolution

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

If you are located outside Australia, you acknowledge that your use of our services may be subject to local laws and regulations. You are responsible for ensuring compliance with applicable laws in your jurisdiction.

10 Contact Information and Updates

For questions about these Terms of Use, our services, or to report violations, please contact us using the information provided below. We aim to respond to all inquiries within 48 hours during business days.

We may update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated to users via email or through prominent notices on our platform at least 30 days before taking effect.