Acceptance of Terms

By accessing and using novarelythiq's website and financial decision-making services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our services. These terms constitute a legally binding agreement between you and novarelythiq, located at Level 6/1 Bowes Pl, Phillip ACT 2606, Australia.

We may update these terms periodically to reflect changes in our services or legal requirements. Your continued use of our website after such modifications constitutes acceptance of the updated terms.

Service Description

novarelythiq provides educational resources and tools designed to support financial decision-making processes. Our services include online learning programs, decision-making frameworks, and educational content focused on financial literacy and strategic planning.

What We Provide

• Educational content on financial decision-making principles
• Interactive learning modules and assessment tools
• Access to financial planning resources and templates
• Guidance on decision-making methodologies and frameworks
• Support through our customer service channels

User Responsibilities and Conduct

As a user of our platform, you agree to maintain the highest standards of conduct and comply with all applicable laws and regulations. Your participation in our programs requires commitment to respectful interaction with other users and our staff.

Prohibited Activities

1. Sharing your account credentials with unauthorized individuals or using our platform for commercial purposes without prior written consent
2. Attempting to reverse engineer, modify, or interfere with our website's functionality or security measures
3. Posting or transmitting content that is defamatory, offensive, or violates intellectual property rights
4. Using our services to distribute spam, malware, or engage in any form of harassment toward other users
5. Misrepresenting your identity or providing false information during registration or program participation

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. We recommend using strong passwords and updating your security settings regularly.

Intellectual Property Rights

All content, materials, and resources provided through novarelythiq's platform are protected by intellectual property laws. This includes but is not limited to course materials, assessment tools, methodologies, and proprietary frameworks developed by our team.

Usage Permissions

You are granted a limited, non-exclusive license to access and use our educational materials for personal learning purposes. You may not redistribute, sell, or modify our content without explicit written permission. Screenshots and excerpts may be shared for educational discussion, provided proper attribution is given.

Any original work you create using our frameworks or methodologies remains your intellectual property, though you acknowledge that the underlying methodologies and frameworks remain our property.

Payment Terms and Refund Policy

Our learning programs operate on a fee-for-service basis with clear pricing structures outlined at the time of enrollment. Payment is typically required before program commencement, and we accept major credit cards and bank transfers.

Refund Conditions

• Full refunds available within 14 days of program start date if no materials have been accessed
• Partial refunds may be considered for extenuating circumstances, evaluated on a case-by-case basis
• No refunds for completed programs or those accessed beyond the trial period
• Refund processing typically takes 5-10 business days once approved

We reserve the right to modify pricing with 30 days' notice to existing users. Price changes will not affect programs already purchased or in progress.

Privacy and Data Protection

We take your privacy seriously and handle all personal information in accordance with Australian privacy laws and our detailed Privacy Policy. Your data is used solely to provide and improve our services, and we never sell personal information to third parties.

Data Collection and Use

We collect information necessary to provide our services, including contact details, learning progress, and assessment results. This data helps us customize your experience and track program effectiveness. You may request access to your data or its deletion at any time by contacting our support team.

Limitation of Liability

novarelythiq provides educational services designed to support your decision-making process, but we cannot guarantee specific outcomes or results from program participation. Your use of our methodologies and implementation of learned concepts is at your own discretion and risk.

Our liability is limited to the amount paid for services, and we disclaim all warranties beyond those required by Australian consumer law. We maintain professional indemnity insurance but encourage users to seek professional advice for significant financial decisions.

Termination and Suspension

Either party may terminate this agreement with appropriate notice. We reserve the right to suspend or terminate accounts that violate these terms or engage in activities that compromise the integrity of our platform or the experience of other users.

Account Termination Process

• Warning notices for minor violations with opportunity to correct behavior
• Immediate suspension for serious violations or repeated offenses
• Access to materials may be retained for completed programs unless serious violations occurred
• Appeals process available through our customer service team

Governing Law and Disputes

These terms are governed by Australian law, specifically the laws of the Australian Capital Territory. Any disputes arising from these terms or our services will be resolved through binding arbitration in Canberra, ACT, unless otherwise required by law.

We encourage users to contact us directly to resolve any concerns before pursuing formal dispute resolution. Our customer service team is trained to handle complaints fairly and efficiently.