Terms of Use

Your Agreement to These Terms

Welcome to zenorithavalo's financial statement analysis platform. By accessing our website at zenorithavalo.com or using any of our educational services, you're entering into a binding agreement with zenorithavalo, located at 744 Plenty Rd, Reservoir VIC 3073, Australia. These terms govern everything from your first visit to ongoing use of our resources.

We've structured these terms to be straightforward. Think of them as the ground rules that keep our educational community running smoothly. If you can't agree to these conditions, please don't use our services – and that's perfectly fine.

Changes to Terms

Business evolves, and so do our terms. When we make changes, we'll update the date at the top of this page and notify active users through email or platform announcements. Major changes get at least 30 days' notice. Continued use after changes means you accept the updated terms.

Account Registration and Security

Creating an account requires accurate, complete information. You're responsible for maintaining your login credentials' security and for all activities under your account. If you suspect unauthorized access, contact us immediately at info@zenorithavalo.com.

• Provide truthful registration information and keep it updated
• Use strong passwords and don't share account access with others
• Report security concerns or suspicious activity promptly
• Take responsibility for all account activity, authorized or not

Acceptable Use Guidelines

Our platform exists to advance financial education and analysis skills. Use our resources professionally and respectfully. Don't attempt to reverse-engineer our systems, scrape content automatically, or interfere with other users' experience.

Commercial use of our educational materials requires explicit written permission. Personal study and professional development are encouraged – reselling our content or creating derivative works for profit is not.

Service Provision and Availability

We strive for consistent service availability but can't guarantee uninterrupted access. Maintenance, technical issues, or circumstances beyond our control may temporarily affect platform availability. We'll communicate significant disruptions when possible.

Course schedules, content updates, and feature releases follow our internal timeline. While we aim to meet announced dates, development realities sometimes require adjustments. Your patience during these periods helps us deliver better educational experiences.

Content and Curriculum Changes

Financial markets and analysis techniques evolve continuously. Our curriculum adapts to reflect current best practices and industry standards. Enrolled students receive updated materials as courses develop, but we may discontinue outdated content or modify learning paths.

Ownership of Platform Content

zenorithavalo owns all original educational content, software, design elements, and analytical frameworks available through our platform. This includes course materials, video content, assessment tools, proprietary analysis methods, and user interface design.

• Course videos, worksheets, and learning materials remain zenorithavalo's intellectual property
• Users receive limited license for personal educational use only
• Redistribution, copying, or commercial use requires written permission
• Screenshots or recordings of platform content are prohibited

User-Generated Content

Content you create on our platform – discussion posts, project submissions, peer feedback – remains yours. However, you grant zenorithavalo a non-exclusive license to use this content for educational purposes, platform improvement, and community building.

We may feature exceptional student work in promotional materials or case studies, with your permission. You can withdraw this permission anytime by contacting our team.

Information Collection and Use

We collect information necessary to provide educational services effectively. This includes registration details, learning progress, assessment results, and platform usage patterns. Our Privacy Policy, available separately, details exactly what we collect and how it's used.

Your learning data helps us personalize education and improve course effectiveness. We don't sell personal information to third parties or use it for purposes unrelated to education delivery.

Data Security and Retention

We maintain reasonable security measures to protect your information from unauthorized access, alteration, or disclosure. However, no online platform can guarantee absolute security. Use strong passwords and report security concerns immediately.

Account information and learning records are retained for educational continuity and compliance purposes. You may request account deletion, subject to legal retention requirements and legitimate business interests.

Educational Service Disclaimers

zenorithavalo provides educational content for skill development and professional growth. We don't guarantee specific career outcomes, salary increases, or investment returns based on our training. Financial statement analysis involves professional judgment that develops through practice and experience.

Our courses reflect current industry practices but can't cover every possible scenario or guarantee expert-level competency upon completion. Professional development continues beyond formal education through practical application and ongoing learning.

Liability Limitations

To the maximum extent permitted by law, zenorithavalo's liability for any claim related to our services is limited to the amount you paid for those services in the 12 months preceding the claim. We're not liable for indirect, consequential, or punitive damages.

• Lost profits or business opportunities aren't our responsibility
• Third-party content or external website issues fall outside our liability
• Technical problems or data loss beyond our reasonable control are excluded
• Career or financial decisions based on our education remain your responsibility

Course Fees and Payment

Course fees are clearly displayed during enrollment and must be paid according to selected payment terms. We accept major credit cards and bank transfers for Australian students. All prices include applicable GST for Australian customers.

Payment plans, when available, require adherence to scheduled payment dates. Missed payments may result in account suspension until balance is resolved. We'll work with students facing genuine financial hardship to find reasonable solutions.

Refund and Cancellation Policy

We offer a 14-day satisfaction guarantee from course start date. If you're not satisfied with course quality or find it doesn't meet your learning needs, contact us for a full refund. After 14 days, refunds are considered case-by-case based on circumstances.

Course cancellations initiated by zenorithavalo due to insufficient enrollment result in full refunds. Students receive at least 7 days' notice of cancellations when possible.

Account Termination Rights

Either party may terminate the relationship at any time. You can close your account through platform settings or by contacting support. We may terminate accounts that violate these terms, engage in disruptive behavior, or remain inactive for extended periods.

Termination doesn't automatically entitle you to refunds for completed courses or unused portions of ongoing education. Each situation is evaluated based on circumstances, completion progress, and reason for termination.

Effect of Termination

Upon termination, your access to platform content, courses, and community features ends immediately. You may retain materials explicitly designated as downloadable during your enrollment period. All other content access rights terminate.

Certain provisions of these terms survive termination, including intellectual property rights, limitation of liability, and dispute resolution procedures. Your obligations regarding confidential information and proper use of materials continue post-termination.