Terms of Use

1. Service Description and Access

vendolirax provides finance control tools, educational content, and resources designed to help individuals and businesses better understand their financial situations. Our platform includes:

• Educational articles and guides about financial management
• Learning programs scheduled for autumn 2025 and early 2026
• Finance tracking tools and resources
• Community support and guidance

Access to certain features may require account registration. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2. User Responsibilities and Conduct

When using our services, you agree to certain standards of conduct. This isn't about being overly restrictive—it's about creating a safe and useful environment for everyone.

You Must:

1. Provide accurate and complete information when creating an account
2. Keep your login credentials secure and confidential
3. Use the services only for lawful purposes
4. Respect the intellectual property rights of vendolirax and other users
5. Notify us immediately if you suspect unauthorized access to your account

You Must Not:

1. Share your account with others or create multiple accounts
2. Attempt to gain unauthorized access to our systems or other users' accounts
3. Use automated systems to scrape or download content from our platform
4. Post or transmit harmful code, viruses, or malicious software
5. Harass, threaten, or harm other users
6. Impersonate others or misrepresent your affiliation with any person or entity
7. Use the services to distribute spam or unsolicited communications

3. Intellectual Property Rights

All content on our platform—including text, graphics, logos, images, software, and educational materials—is owned by vendolirax or our content suppliers and protected by Australian and international copyright laws.

You may access and use our content for personal, non-commercial purposes. This means you can read our articles, use our tools for your own financial planning, and participate in our learning programs. But you can't republish our content elsewhere, sell it, or claim it as your own work.

4. Educational Programs and Learning Content

Our learning programs scheduled for autumn 2025 and early 2026 are subject to specific terms and conditions. When you enroll in a program, you'll receive detailed information about program structure, duration, and requirements.

Program Participation

Participation in our educational programs requires commitment to attendance and engagement. While we structure our programs to maximize learning outcomes, individual results depend on many factors including prior knowledge, time commitment, and practical application of concepts.

We don't make promises about specific career outcomes or financial improvements. Our programs provide education and skills—what you do with that knowledge is up to you.

Program Changes

We reserve the right to modify program content, schedules, or instructors as needed to maintain quality and relevance. Significant changes will be communicated to enrolled participants with reasonable notice.

5. Financial Information and Tools

Our finance control tools are designed to help you track and analyze your financial data. However, these tools have important limitations you should understand:

• Tools provide information based on data you input—accuracy depends on you
• Calculations and projections are estimates, not guarantees
• Our tools don't account for every possible financial scenario or variable
• Results should be reviewed by qualified financial professionals before making major decisions

6. Privacy and Data Protection

Your privacy matters to us. We collect and use your personal information as described in our Privacy Policy, which is incorporated into these Terms of Use by reference.

When you use our services, you may provide us with financial data and personal information. We implement security measures to protect this data, but no system is completely secure. You should take your own precautions, including using strong passwords and being cautious about the information you share.

We don't sell your personal information to third parties. We may share data with service providers who help us operate our platform, but only under strict confidentiality agreements.

7. Disclaimers and Limitations of Liability

This section contains important legal protections for vendolirax. Please read it carefully.

Service Availability

We strive to keep our services available and reliable, but we can't promise uninterrupted access. Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

Technical issues happen. Maintenance is sometimes necessary. Internet connections fail. We're not liable for service interruptions or technical difficulties that prevent you from accessing our platform.

Educational Content

Our educational content reflects our understanding and experience, but financial topics are complex and situations vary. We don't warrant that our content is suitable for your specific circumstances or that following our guidance will produce particular results.

Limitation of Liability

To the maximum extent permitted by Australian law, vendolirax 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 damages for loss of profits, data, or other intangible losses.

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid to vendolirax in the twelve months preceding the claim.

8. Third-Party Services and Links

Our platform may contain links to third-party websites or integrate with external services. These connections are provided for convenience, but we don't control these third parties and aren't responsible for their content, practices, or reliability.

When you click a link to leave our platform or connect a third-party service to your account, different terms and privacy policies apply. We encourage you to review those policies before proceeding.

9. Payment Terms and Refunds

Some of our services require payment. When you purchase a service or enroll in a paid program, you agree to pay the stated fees.

Payment Processing

Payments are processed securely through our payment partners. We don't store complete credit card information on our servers. You authorize us to charge your designated payment method for applicable fees.

Refund Policy

Our refund policy depends on the type of service purchased. For educational programs, we typically offer refunds if you withdraw before the program start date or within a specified period after commencement. Specific refund terms are provided when you enroll.

Refund requests should be submitted to help@vendolirax.com with your account details and reason for the request. We process approved refunds within 14 business days.

10. Account Termination and Suspension

You may close your account at any time by contacting us. Upon closure, you'll lose access to your account data, so make sure to download any information you need first.

We reserve the right to suspend or terminate accounts that violate these Terms of Use or engage in activities that harm our platform or other users. We'll typically provide notice and an opportunity to address issues before termination, except in cases of serious violations.

If we terminate your account for violations, you're not entitled to refunds for unused services or program fees.

11. Changes to Terms

We may update these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we'll notify you through email or a prominent notice on our platform.

Continued use of our services after changes take effect means you accept the updated terms. If you don't agree with changes, you should stop using our services and close your account.

We maintain a version history of our terms, so you can review what's changed. The "Last Updated" date at the top of this document shows when the current version became effective.

12. Dispute Resolution

If you have a concern or dispute with vendolirax, please contact us first. Most issues can be resolved through direct communication.

Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of New South Wales.

Resolution Process

We encourage good-faith efforts to resolve disputes informally before pursuing formal legal action. If informal resolution isn't successful, disputes may be resolved through mediation or arbitration as appropriate under Australian law.

13. General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms provided for specific services, constitute the entire agreement between you and vendolirax.

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 effect.

No Waiver

Our failure to enforce any right or provision in these terms doesn't constitute a waiver of that right or provision unless acknowledged in writing by us.

Assignment

You may not assign or transfer these terms or your account to anyone else without our written consent. We may assign our rights and obligations under these terms to another entity in connection with a merger, acquisition, or sale of assets.

Contact for Legal Notices

Legal notices to vendolirax should be sent to our registered address: Lismore Square Shopping centre, Cnr Brewster & Uralba Streets, NSW 2480, Australia, or via email to help@vendolirax.com with "Legal Notice" in the subject line.