Terms of Use

1. Acceptance of Terms

By creating an account, accessing our learning materials, or participating in our programs, you acknowledge that you've read, understood, and agreed to these Terms of Use. These terms form a legally binding agreement between you and nuveliqora.

We reserve the right to modify these terms at any time. When we make changes, we'll update the date at the top of this page. Your continued use of our services after changes have been posted constitutes your acceptance of the revised terms.

2. Eligibility and Account Registration

You must be at least 18 years old to use our services. By registering, you confirm that all information you provide is accurate and current. You're responsible for maintaining the confidentiality of your account credentials.

Account Responsibilities

• Keep your login details secure and don't share them with others
• Notify us immediately if you suspect unauthorized access to your account
• Ensure all registration information remains accurate and up-to-date
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent activity.

3. Educational Services and Content

nuveliqora provides educational resources, tools, and programs focused on long-term budgeting strategies. Our content is designed for educational purposes and should not be considered personalized financial advice.

Content License

All educational materials, articles, tools, calculators, and resources on our platform remain our intellectual property. We grant you a limited, non-exclusive, non-transferable license to access and use these materials for personal educational purposes only.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit our content without explicit written permission.

4. User Conduct and Prohibited Activities

When using our platform, you agree to conduct yourself appropriately and respect other users. The following activities are strictly prohibited:

• Sharing false, misleading, or fraudulent information
• Attempting to gain unauthorized access to our systems or other user accounts
• Uploading viruses, malware, or any harmful code
• Harassing, threatening, or abusing other users or our staff
• Using our platform for any illegal purposes
• Scraping, data mining, or automated data collection from our website
• Impersonating another person or entity
• Sharing copyrighted materials without proper authorization

Violations may result in immediate account termination and potential legal action.

5. Payment Terms and Refund Policy

Access to certain educational programs or premium resources may require payment. All fees are clearly displayed before purchase, and payments are processed securely through our payment partners.

Billing and Subscriptions

If you subscribe to ongoing services, you authorize us to charge your payment method on a recurring basis until you cancel. You can cancel your subscription at any time through your account settings. Cancellations take effect at the end of your current billing period.

Refunds

We offer refunds within 14 days of purchase if you haven't accessed more than 25% of the course content. After this period, or if you've accessed substantial portions of the material, refunds are generally not available. Each situation is reviewed individually, and we maintain the right to grant or deny refund requests based on the circumstances.

6. Intellectual Property Rights

nuveliqora owns or licenses all content, trademarks, logos, and materials on our platform. This includes text, graphics, logos, images, audio clips, video content, software, and data compilations.

Our name, logo, and related marks are protected trademarks. You can't use them without our written consent. If you believe any content on our platform infringes your intellectual property rights, contact us at help@nuveliqora.com with detailed information about the alleged infringement.

7. Privacy and Data Protection

We take your privacy seriously. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which you should read alongside these Terms of Use.

By using our services, you consent to our data practices as described in our Privacy Policy. We implement reasonable security measures to protect your information, but no system is completely secure. You acknowledge that you provide information at your own risk.

8. Disclaimers and Limitations

Service Availability

We strive to keep our platform accessible and functional, but we can't guarantee uninterrupted service. Maintenance, updates, technical issues, or circumstances beyond our control may cause temporary disruptions. We're not liable for any losses resulting from service unavailability.

Third-Party Links

Our platform may contain links to external websites or services. We don't control these third-party sites and aren't responsible for their content, privacy practices, or terms. You access external links at your own risk.

9. Limitation of Liability

To the fullest extent permitted by Australian law, nuveliqora and its directors, employees, partners, and affiliates 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 isn't limited to, financial losses, lost profits, data loss, or business interruption, whether based on warranty, contract, tort, or any other legal theory, even if we've been advised of the possibility of such damages.

Our total liability to you for any claim arising from these terms or your use of our services shall not exceed the amount you paid us in the twelve months before the claim arose.

10. Indemnification

You agree to indemnify and hold harmless nuveliqora, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your violation of these Terms of Use
• Your use or misuse of our services
• Your violation of any rights of another person or entity
• Your breach of any applicable laws or regulations

11. Termination

Either party may terminate this agreement at any time. You can close your account through your account settings or by contacting us. We reserve the right to suspend or terminate your access immediately, without notice, if you violate these terms.

Upon termination, your right to use our services ceases immediately. Provisions that by their nature should survive termination (including intellectual property rights, disclaimers, and limitations of liability) will remain in effect.

12. 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.

Informal Resolution

Before initiating formal proceedings, we encourage you to contact us to seek an informal resolution. Many concerns can be addressed quickly through direct communication. Reach out to help@nuveliqora.com with a detailed description of your concern, and we'll work with you to find a fair solution.

13. General Provisions

Entire Agreement

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

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, and the remaining provisions will remain in full force and effect.

Waiver

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

Assignment

You may not assign or transfer these terms or your rights and obligations under them without our written consent. We may assign these terms without restriction. Any attempted transfer or assignment in violation of this section is void.

14. Changes to Our Services

We're constantly working to improve our educational offerings. This means we may add new features, modify existing ones, or discontinue certain services. While we'll try to notify you of significant changes, we reserve the right to make modifications at our discretion.

If we discontinue a paid service you've purchased, we'll either provide reasonable access to alternative content or offer a prorated refund for the unused portion of your subscription.