Terms of Use
Effective Date: January 1, 2025
Welcome to qoravilian. These Terms of Use govern your access to and use of our website, services, and educational resources related to goal budget planning and personal finance management.
By accessing qoravilian.com, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree with any part of these terms, please discontinue use of our website immediately.
1. Acceptance and Agreement
These terms constitute a legally binding agreement between you (the user) and qoravilian. Your continued use of our website and services signifies your acceptance of these terms, along with our Privacy Policy and any additional guidelines posted on our site.
We reserve the right to modify these terms at any time. Changes become effective upon posting to the website. Your continued use after modifications indicates acceptance of the updated terms.
2. Use of Services
Eligibility
You must be at least 18 years old to use our services. By using qoravilian, you represent that you meet this age requirement and have the legal capacity to enter into binding agreements under Australian law.
Account Responsibilities
When creating an account with us, you agree to provide accurate and complete information. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
Permitted Use
Our educational resources and planning tools are provided for personal, non-commercial use. You may access our content for your own financial planning and educational purposes within the scope of our intended service delivery.
3. Prohibited Activities
To maintain a safe and functional environment for all users, the following activities are strictly prohibited:
Violation of these prohibitions may result in immediate termination of your access and potential legal action.
4. Educational Content and Financial Information
Nature of Information
The financial planning tools, budget templates, and educational materials provided on our website are for informational purposes only. This content does not constitute professional financial advice, and should not be treated as a substitute for consultation with qualified financial advisors.
Important Disclaimer
qoravilian does not provide personalized financial advice. Our tools and resources are designed to support your self-directed financial planning efforts. Individual financial situations vary significantly, and outcomes depend on numerous factors beyond our control. Always consider seeking professional advice for your specific circumstances.
No Guarantees
We make no guarantees regarding specific financial outcomes or results from using our planning tools. Your financial success depends on your individual circumstances, decisions, and external factors. While we strive to provide accurate and helpful resources, results may differ from person to person.
5. Intellectual Property Rights
Our Content
All content on qoravilian.com, including text, graphics, logos, images, software, and educational materials, is owned by qoravilian or our content providers 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 website for personal purposes. This license does not include the right to download (except for page caching), modify, or distribute content without our written permission.
User Submissions
If you submit feedback, suggestions, or other content to us, you grant qoravilian a perpetual, worldwide, royalty-free license to use, modify, and incorporate such submissions into our services without compensation or attribution.
6. Privacy and Data Protection
Your privacy matters to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral 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 cannot guarantee absolute security. You acknowledge the inherent risks of transmitting information over the internet.
7. Learning Program Terms
Program Participation
When you enroll in our learning programs, you agree to actively participate and engage with the educational content. Programs typically begin in autumn 2025 or early 2026, with specific dates communicated upon registration.
Educational Outcomes
While we design our programs to provide valuable financial education, we don't guarantee specific outcomes, employment opportunities, or income improvements. Your success depends on your commitment, circumstances, and how you apply the concepts learned.
8. Limitation of Liability
To the maximum extent permitted by Australian law, qoravilian and its directors, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.
This includes, but is not limited to, financial losses, data loss, or business interruption, regardless of whether we've been advised of the possibility of such damages.
Australian Consumer Law
Nothing in these terms excludes, restricts, or modifies any guarantee, warranty, term, condition, or right that cannot be lawfully excluded under the Australian Consumer Law or other applicable law.
9. Indemnification
You agree to indemnify and hold harmless qoravilian, its affiliates, and their respective officers, directors, and employees from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
10. Third-Party Links and Services
Our website may contain links to third-party websites or services that are not owned or controlled by qoravilian. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites.
You acknowledge and agree that qoravilian shall not be liable for any damage or loss caused by your use of any third-party content, goods, or services available through such websites.
11. Termination
Our Right to Terminate
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason including violation of these terms or behavior we deem harmful to our platform or other users.
Your Right to Terminate
You may discontinue using our services at any time. If you wish to delete your account, contact us at the details provided below. Some information may be retained as required by law or for legitimate business purposes.
Effect of Termination
Upon termination, your right to use our services ceases immediately. Provisions of these terms that by their nature should survive termination shall remain in effect, including intellectual property rights, limitation of liability, and dispute resolution clauses.
12. Governing Law and Jurisdiction
These terms are governed by the laws of Queensland, Australia. Any disputes arising from these terms or your use of our services 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 shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force.
13. Changes to Services
We continuously work to improve our services and may modify, suspend, or discontinue any aspect of our platform at any time without prior notice. We're not liable to you or any third party for any modification, suspension, or discontinuance of services.
We may also impose limits on certain features or restrict access to parts or all of our services without notice or liability.
14. General Provisions
Entire Agreement
These terms, together with our Privacy Policy and any additional guidelines posted on our website, constitute the entire agreement between you and qoravilian regarding the use of our services.
Waiver
Our failure to enforce any right or provision of these terms shall not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of qoravilian.
Assignment
You may not assign or transfer these terms or your rights hereunder without our prior written consent. We may assign our rights and obligations under these terms without restriction.