1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and arevoliqent, operating from 410 York St, Ballarat East VIC 3350, Australia. By creating an account, enrolling in our programs, or accessing any content on our platform, you confirm your acceptance of these terms and your commitment to comply with all applicable laws and regulations.

We reserve the right to modify these terms at any time. Material changes will be communicated through email notifications or prominent notices on our website at least 30 days before they take effect. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

2. Educational Service Description

arevoliqent provides comprehensive financial literacy education designed to help individuals develop practical money management skills. Our services include interactive learning modules, personalized financial planning tools, budgeting workshops, and one-on-one mentoring sessions with certified financial educators.

Course Content and Materials

All educational content is developed by qualified financial professionals and regularly updated to reflect current market conditions and regulatory changes. However, we make no guarantees about specific financial outcomes or investment returns. Individual results depend on personal circumstances, market conditions, and your application of the concepts learned.

• Access to digital learning platform with video tutorials and interactive exercises
• Downloadable worksheets, calculators, and planning templates
• Live webinars and Q&A sessions with financial experts
• Community forum access for peer support and discussion
• Email support for technical and educational questions

3. User Responsibilities and Conduct

As a participant in our financial literacy programs, you agree to maintain the highest standards of personal integrity and respect for fellow learners. Creating a supportive learning environment benefits everyone in our community.

Account Security

You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Sharing account access with others is strictly prohibited and may result in immediate termination of services without refund.

Prohibited Activities

• Distributing copyrighted course materials without written permission
• Using our platform to promote competing financial services or investment schemes
• Engaging in harassment, discrimination, or inappropriate behavior toward other users
• Attempting to hack, reverse engineer, or compromise our system security
• Creating multiple accounts to circumvent program limitations or pricing structures
• Posting false or misleading information in community forums
• Using automated tools or bots to access our services

4. Payment Terms and Refund Policy

Course fees are clearly displayed at the time of enrollment and must be paid in full before accessing premium content. We accept major credit cards, PayPal, and bank transfers for Australian customers. All prices are listed in Australian dollars and include applicable GST.

Refund Conditions

We offer a 14-day satisfaction guarantee from the date of enrollment. If you're not completely satisfied with your learning experience, contact our support team at info@arevoliqent.com for a full refund. Refunds requested after 14 days will be considered on a case-by-case basis, particularly in situations involving medical emergencies or significant life changes.

Refund processing typically takes 5-10 business days once approved. For courses completed beyond 50% of the material, partial refunds may apply based on the unused portion of your enrollment.

5. Intellectual Property Rights

All content provided through arevoliqent's platform, including text, videos, graphics, software, and interactive tools, is protected by Australian and international copyright laws. This intellectual property belongs exclusively to arevoliqent or our licensed content partners.

Permitted Use

You may access and use our educational materials solely for personal, non-commercial educational purposes. You may print or download content for your own reference, but redistribution, resale, or public sharing of our materials is strictly forbidden without explicit written consent.

6. Privacy and Data Protection

Your privacy is fundamental to our relationship. We collect personal information necessary to provide educational services, including your name, email address, payment details, and learning progress data. This information helps us personalize your educational experience and communicate important updates about your programs.

Data Usage and Storage

Personal data is stored securely on Australian-based servers and is never sold or shared with third parties for marketing purposes. We may share aggregated, anonymized data with educational partners to improve our curriculum, but individual information remains confidential.

You have the right to access, modify, or delete your personal information at any time. Contact our privacy team at info@arevoliqent.com to exercise these rights or to receive a complete copy of the data we maintain about you.

7. Limitation of Liability

While we strive to provide accurate, up-to-date financial education, arevoliqent cannot be held responsible for individual financial decisions or outcomes. Our educational content is for informational purposes only and should not be considered personalized financial advice.

Financial Disclaimer

Past performance examples used in our educational materials do not guarantee future results. Market conditions, economic factors, and individual circumstances significantly impact financial outcomes. Always consult with qualified financial advisors before making major financial decisions.

Our liability is limited to the total amount paid for services during the 12 months preceding any claim. We are not liable for indirect, consequential, or punitive damages arising from your use of our educational platform.

8. Termination of Services

Either party may terminate this agreement at any time. You may cancel your enrollment by contacting our support team. We reserve the right to terminate accounts for violations of these terms, non-payment, or behavior that disrupts the learning environment for other students.

Effect of Termination

Upon termination, your access to premium content will cease immediately, though you may retain access to previously downloaded materials for personal use. Any outstanding payment obligations remain in effect after termination.

9. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from your use of our services will be resolved through binding arbitration in Ballarat, Victoria, unless prohibited by applicable consumer protection laws.

Before pursuing formal dispute resolution, we encourage contacting our customer service team to resolve issues informally. Most concerns can be addressed quickly through direct communication.