Terms of Use

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and prantovexia. By creating an account, accessing our content, or participating in our programs, you acknowledge that you've read, understood, and agree to comply with these terms along with 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 of our services after any modifications indicates your acceptance of the updated terms. We'll try to notify you of significant changes through email or a prominent notice on the site, but it's your responsibility to review these terms periodically.

2. Eligibility and Account Registration

2.1 Age Requirements

You must be at least 18 years old to use our services. If you're under 18, you may only use prantovexia under the supervision of a parent or legal guardian who agrees to be bound by these Terms of Use.

2.2 Account Creation

When you register for an account, you agree to provide accurate, current, and complete information. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. If you suspect unauthorized access, notify us immediately at contact@prantovexia.com.

• Each person may only maintain one active account
• Sharing accounts between multiple users is prohibited
• You must not impersonate another person or entity
• Business accounts require verification of business credentials

3. Educational Content and Services

3.1 Nature of Services

prantovexia provides financial education resources, programs, and tools designed to improve financial literacy and awareness. Our content includes articles, video tutorials, interactive exercises, and structured learning programs focused on budgeting, saving, investing basics, and financial planning.

3.2 No Guarantees

While we work hard to provide valuable educational content, we make no promises about specific outcomes. Financial success depends on numerous individual factors including personal circumstances, economic conditions, and how you apply what you learn. Your results will vary based on your own decisions and actions.

3.3 Learning Programs

Our structured learning programs run on scheduled terms throughout the year. Enrollment periods typically open three months before program start dates. Once enrolled, you'll have access to program materials for the duration specified in your enrollment confirmation. Program schedules, content, and instructors may change as we continue improving our offerings.

4. User Conduct and Responsibilities

When using prantovexia, you agree to conduct yourself appropriately and respect the community. Specifically, you agree NOT to:

• Upload, post, or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
• Violate any applicable local, state, national, or international law
• Infringe upon intellectual property rights of prantovexia or any third party
• Attempt to gain unauthorized access to our systems, other user accounts, or computer networks
• Use automated systems (bots, scrapers, crawlers) to access our services without permission
• Interfere with or disrupt the integrity or performance of our platform
• Collect or store personal data about other users without their consent
• Use our services for any commercial purpose without our written authorization
• Share or redistribute our proprietary content without permission
• Provide false or misleading information in your account or submissions

We reserve the right to investigate violations and cooperate with law enforcement authorities. Serious violations may result in immediate account termination and potential legal action.

5. Intellectual Property Rights

5.1 Our Content

All content on prantovexia—including text, graphics, logos, videos, audio files, software, and design elements—is owned by prantovexia or our content suppliers and protected by Australian and international copyright laws. The compilation of all content on this site is our exclusive property.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial educational purposes. This means you can view our content, participate in programs, and use our tools for your own learning. You cannot copy, redistribute, sell, or create derivative works from our content without explicit written permission.

5.3 User-Generated Content

When you submit content to prantovexia (comments, forum posts, project submissions, feedback), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display that content in connection with operating and promoting our services. You retain ownership of your content, but you give us permission to use it to improve the learning experience for everyone.

6. Payment Terms and Refunds

6.1 Fees and Payment

Some of our services require payment. All fees are displayed in Australian dollars (AUD) and include GST where applicable. Payment must be made through our authorized payment processors. By providing payment information, you represent that you're authorized to use the payment method.

6.2 Refund Policy

We offer refunds within 14 days of purchase if you haven't accessed more than 20% of the course content. After this period or once you've substantially engaged with the content, refunds are at our discretion. To request a refund, contact us at contact@prantovexia.com with your order details and reason for the request.

6.3 Subscription Services

Subscription-based services automatically renew at the end of each billing period unless you cancel before the renewal date. We'll send you a reminder before charging your payment method. You can cancel your subscription anytime through your account settings, and you'll retain access until the end of your current billing period.

7. Privacy and Data Protection

Your privacy matters to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and Australian privacy laws, including the Privacy Act 1988. By using prantovexia, you consent to our collection and use of your information as described in our Privacy Policy.

We use industry-standard security measures to protect your data, but no system is completely secure. You're responsible for maintaining the security of your own devices and internet connection when accessing our services.

8. Disclaimers and Limitations of Liability

8.1 Service Availability

We strive to keep prantovexia available and functional, but we don't guarantee uninterrupted or error-free service. We may suspend or restrict access for maintenance, updates, or other reasons. Our services are provided "as is" without warranties of any kind, either express or implied.

8.2 Limitation of Liability

To the maximum extent permitted by Australian law, prantovexia and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. This includes but isn't limited to financial losses, loss of data, or business interruption.

8.3 Third-Party Links

Our platform may contain links to third-party websites or services. We're not responsible for the content, accuracy, or practices of these external sites. Clicking on third-party links is at your own risk.

9. Termination

You may terminate your account at any time by contacting us or using the account deletion feature in your settings. Upon termination, your right to access our services immediately ceases, though certain provisions of these terms (including intellectual property rights and disclaimers) survive termination.

We reserve the right to suspend or terminate your account if you violate these Terms of Use, engage in fraudulent activity, or for any other reason at our discretion. If we terminate your account for cause, you won't be entitled to any refunds for unused portions of paid services.

10. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of the Australian Capital Territory and the Commonwealth of Australia. Any disputes arising from these terms or your use of prantovexia shall be subject to the exclusive jurisdiction of the courts located in the Australian Capital Territory.

Before initiating any formal legal proceedings, we encourage you to contact us to resolve the matter informally. Many issues can be resolved through direct communication. If we can't reach an agreement, you may pursue resolution through the courts or other appropriate dispute resolution mechanisms available under Australian law.

11. General Provisions

11.1 Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms specific to certain services, constitute the entire agreement between you and prantovexia regarding use of our platform.

11.2 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 and effect.

11.3 No Waiver

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. All waivers must be in writing to be effective.

11.4 Assignment

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