1. Acceptance and Modifications

Your continued use of our services constitutes acceptance of these terms. We update these terms occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll update the effective date at the top of this page.

Check back periodically. If you disagree with any changes, you should stop using our services. Your continued access after updates means you accept the revised terms.

2. Educational Services and Content

daelorynvia provides educational content focused on liquidity and solvency analysis. Our materials are designed to help you understand financial concepts, not to provide specific investment advice or guarantee particular outcomes.

Content Accuracy

We work hard to keep our educational materials accurate and current. However, financial markets and regulations change. While we strive for precision, we can't guarantee that every piece of information will be completely up-to-date at all times.

Learning Outcomes

Results from our educational programs vary based on individual effort, prior knowledge, and application of concepts. We don't promise specific career outcomes, salary increases, or employment opportunities. Your success depends primarily on your own dedication and how you apply what you learn.

3. User Responsibilities

When you use our services, you agree to conduct yourself appropriately and respect both our platform and other users.

1. Provide accurate information when registering or communicating with us
2. Maintain the confidentiality of your account credentials
3. Notify us immediately if you suspect unauthorized access to your account
4. Use our content for personal educational purposes only
5. Refrain from copying, distributing, or modifying our materials without permission
6. Avoid attempting to access restricted areas of our website
7. Respect intellectual property rights in all course materials and resources

4. Intellectual Property Rights

All content on daelorynvia.com belongs to daelorynvia or our content partners. This includes text, graphics, course materials, videos, software, and design elements.

If you believe someone has infringed your intellectual property rights on our platform, contact us with specific details about the alleged infringement.

5. Payment Terms and Refunds

Some of our services require payment. When you purchase access to educational programs, you agree to provide accurate payment information and authorize charges to your chosen payment method.

Billing Practices

• All prices are displayed in Australian dollars unless otherwise stated
• Payment is due at the time of enrollment or subscription
• We don't store complete credit card information on our servers
• Recurring subscriptions continue until you cancel them

Refund Policy

We offer a 14-day refund period for most courses, starting from your enrollment date. To request a refund, contact us before the 14-day window closes. Refunds are processed to your original payment method within 10 business days.

Access to course materials continues during the refund period. Once a refund is processed, your access will be terminated. Certain specialized programs may have different refund terms, which will be clearly stated before purchase.

6. Privacy and Data Protection

Your privacy matters to us. We collect and process personal information according to our Privacy Policy, which explains what data we gather, how we use it, and your rights regarding that information.

We implement reasonable security measures to protect your data, but no online system is completely secure. You're responsible for maintaining the confidentiality of your login credentials and for any activity that occurs under your account.

7. Prohibited Activities

To maintain a safe and productive environment, certain activities are strictly prohibited:

• Sharing account credentials with others or accessing someone else's account
• Attempting to bypass security measures or access restrictions
• Using automated systems to scrape or download content from our site
• Uploading viruses, malware, or other harmful code
• Engaging in harassment, hate speech, or threatening behavior
• Misrepresenting your identity or affiliation with any person or organization
• Using our services for any illegal purpose or in violation of any regulations
• Attempting to interfere with the proper functioning of our website

We reserve the right to suspend or terminate access for users who violate these prohibitions.

8. Third-Party Links and Services

Our website may contain links to external sites or reference third-party services. We provide these for your convenience, but we don't control or endorse these external resources.

When you click on external links, you're subject to the terms and policies of those sites. We're not responsible for the content, accuracy, or practices of third-party websites. Exercise the same caution you would with any unfamiliar website.

9. Disclaimers and Limitations

Service Availability

We strive to maintain consistent access to our services, but we can't guarantee uninterrupted availability. Scheduled maintenance, technical issues, or circumstances beyond our control may temporarily affect access.

Educational Content

Our educational materials are provided for informational purposes. They don't constitute financial advice, investment recommendations, or professional consulting. You should consult qualified professionals before making financial decisions based on concepts learned through our programs.

Limitation of Liability

To the maximum extent permitted by law, daelorynvia and its directors, employees, and partners are not liable for any indirect, incidental, consequential, or special damages arising from your use of our services. This includes, but isn't limited to, loss of profits, data, or opportunities.

Our total liability for any claims related to our services is limited to the amount you paid us in the twelve months preceding the claim.

10. Account Termination

You may discontinue using our services at any time. If you have a paid subscription, cancellation terms vary by program type.

We reserve the right to suspend or terminate accounts that violate these terms, engage in prohibited activities, or pose security risks. In most cases, we'll provide notice before termination unless immediate action is required to protect our platform or users.

Upon termination, your right to access our services ceases immediately. Provisions of these terms that should reasonably survive termination will remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

11. Dispute Resolution

These terms are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services will be resolved in the courts of New South Wales.

Before initiating legal proceedings, we encourage you to contact us directly to resolve issues. Many concerns can be addressed through direct communication.

12. General Provisions

Severability

If any provision of these terms is found to be unenforceable, that provision will be modified to reflect the parties' intention, or if that's not possible, it will be severed. The remaining provisions will continue in full effect.

Entire Agreement

These terms, along with our Privacy Policy and any specific program agreements, constitute the entire agreement between you and daelorynvia regarding our services. They supersede any prior agreements or understandings.

Waiver

Our failure to enforce any right or provision doesn't constitute a waiver of that right. Any waiver must be in writing and signed by an authorized representative of daelorynvia.

Assignment

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