Agreement to Terms

By accessing and using the druvanterios website (druvanterios.org) and our financial education services, you accept and agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our services or website.

These terms apply to all visitors, users, and others who access or use our educational services, whether you're browsing our content, enrolling in programs, or participating in our business communication courses.

Description of Services

druvanterios provides financial education services focused on business communication skills. Our programs are designed to help professionals enhance their communication abilities in financial and business contexts.

Course content includes interactive workshops, practical exercises, and real-world case studies. All materials are proprietary and protected by intellectual property laws.

User Accounts and Registration

Account Creation

To access certain features of our services, you must register for an account. When creating an account, you agree to provide accurate, current, and complete information about yourself.

• You must be at least 18 years old to create an account
• You are responsible for safeguarding your account password
• You must notify us immediately of any unauthorized use of your account
• You may not share your account credentials with others

Account Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in activities that harm our service or other users. You may also close your account at any time by contacting our support team.

Acceptable Use Policy

You agree to use our services only for lawful purposes and in accordance with these Terms of Use. You are prohibited from:

1. Using the service for any illegal or unauthorized purpose
2. Attempting to interfere with or disrupt our services or servers
3. Uploading or transmitting viruses or malicious code
4. Harassing, threatening, or intimidating other users
5. Impersonating any person or entity
6. Collecting or harvesting personal information from other users
7. Using our content for commercial purposes without permission

Violation of this policy may result in immediate termination of your account and legal action where appropriate.

Intellectual Property Rights

Our Content

All content on our website and in our educational programs, including text, graphics, logos, images, audio clips, and software, is owned by druvanterios or our content suppliers and is protected by Australian and international copyright laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials solely for your personal, non-commercial educational purposes. This license does not permit you to:

• Reproduce or distribute our materials without permission
• Create derivative works based on our content
• Use our materials in other educational programs or courses
• Remove copyright or proprietary notices from our materials

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable Australian privacy laws, including the Privacy Act 1988.

By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy. We implement appropriate security measures to protect your personal data and educational records.

Payment Terms and Refunds

Course Fees

Course fees are clearly displayed before enrollment and must be paid in full before accessing premium content. All fees are in Australian dollars unless otherwise specified.

Refund Policy

We offer a 14-day cooling-off period for new enrollments. After this period, refunds are considered on a case-by-case basis, particularly for extenuating circumstances such as serious illness or unexpected financial hardship.

Refund requests must be submitted in writing to our support team with appropriate documentation. Processing may take 5-10 business days once approved.

Limitation of Liability

To the fullest extent permitted by Australian law, druvanterios shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

Our total liability to you for all damages, losses, and causes of action shall not exceed the amount you have paid to us for the specific service that gave rise to the liability.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last updated" date at the top of this page and notify active users via email.

Continued use of our services after changes are posted constitutes your acceptance of the revised terms. If you disagree with the changes, you should discontinue using our services.

For significant changes that materially affect your rights, we will provide at least 30 days notice before the changes take effect.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Australian Capital Territory and the Commonwealth of Australia. Any legal disputes will be resolved in the appropriate courts of the Australian Capital Territory.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.