1. Acceptance and Modifications

You acknowledge that you've read, understood, and agree to these Terms of Use. We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications constitutes acceptance of the updated terms.

We'll make reasonable efforts to notify users of significant changes through email or website notifications. It's your responsibility to review these terms periodically. The date at the top of this document indicates when these terms were last updated.

2. Services and Educational Content

2.1 Educational Purpose

bravieonix provides financial education and learning resources designed to help individuals understand cost-effective financial solutions. Our content is educational in nature and should not be considered personalized financial advice. Individual circumstances vary, and what works for one person may not suit another.

2.2 No Guaranteed Outcomes

We don't promise specific financial results, guaranteed savings, or particular outcomes from using our educational materials. Financial situations are complex and influenced by many factors beyond our control. Any success stories or examples shared represent individual experiences and aren't typical results you should expect.

2.3 Program Availability

Our learning programs typically run with start dates scheduled six to twelve months in advance. Program availability, content, and scheduling may change based on demand, instructor availability, or operational needs. We'll notify enrolled students of any significant changes affecting their education.

3. User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information during registration and enrollment processes
• Maintain the confidentiality of your account credentials and notify us immediately of unauthorized access
• Use our services only for lawful purposes and in accordance with these terms
• Respect intellectual property rights in all educational materials and content
• Not share login credentials or course access with unauthorized individuals
• Engage respectfully with instructors and other students in any interactive components
• Not attempt to disrupt, damage, or impair our website or services

4. Intellectual Property Rights

4.1 Our Content

All content on bravieonix.com, including text, graphics, logos, course materials, videos, and software, is owned by bravieonix or our content suppliers. This content is protected by Australian and international copyright laws. You can't reproduce, distribute, modify, or create derivative works without our written permission.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials for personal learning purposes only. This license doesn't include rights to download (except where explicitly permitted), copy, or redistribute content. Course materials are for your individual use and can't be shared with others who haven't enrolled.

4.3 User-Generated Content

If you submit content to our platform (such as forum posts, comments, or assignments), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display that content in connection with our services. You retain ownership of your content but confirm you have the right to grant this license.

5. Payment and Refund Terms

5.1 Pricing

All prices are displayed in Australian dollars and include GST where applicable. We reserve the right to change pricing for our services, but price changes won't affect enrollments already completed. Payment is required before access to paid educational programs is granted.

5.2 Refund Policy

Refund requests must be submitted within 14 days of enrollment for programs that haven't yet commenced. Once a program has started or materials have been accessed, refunds are handled on a case-by-case basis. We'll consider circumstances like technical issues, personal emergencies, or program cancellations. Email info@bravieonix.com with your refund request and explanation.

6. Disclaimers and Limitations

6.1 No Financial Advice

Content on bravieonix.com is educational and informational only. It doesn't constitute financial, investment, tax, or legal advice. You should consult qualified professionals for advice tailored to your specific situation. We're not responsible for financial decisions you make based on information from our educational programs.

6.2 Service Availability

We strive to maintain consistent access to our services but can't guarantee uninterrupted availability. Technical issues, maintenance, or circumstances beyond our control may temporarily affect access. We're not liable for any losses resulting from service interruptions.

6.3 Third-Party Links

Our website may contain links to third-party websites or resources. These are provided for convenience only. We don't endorse or assume responsibility for third-party content, and we're not liable for any issues arising from your use of external sites.

7. Privacy and Data Protection

Your privacy matters to us. We collect and process personal information in accordance with our Privacy Policy and Australian privacy laws. By using our services, you consent to our data practices as described in our Privacy Policy. We don't sell your personal information to third parties.

We implement reasonable security measures to protect your data, but no online transmission is completely secure. You acknowledge the inherent security risks of providing information online.

8. Termination

We may suspend or terminate your access to our services if you violate these terms, engage in fraudulent activity, or for other legitimate reasons. You can terminate your account at any time by contacting us. Upon termination, your right to access our services ends immediately.

Provisions of these terms that by their nature should survive termination will remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

9. Governing Law

These Terms of Use are governed by the laws of Queensland, Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of Queensland. If any provision of these terms is found unenforceable, the remaining provisions will continue in full effect.

10. General Provisions

10.1 Entire Agreement

These Terms of Use, along with our Privacy Policy, constitute the entire agreement between you and bravieonix regarding use of our services. They supersede any prior agreements or understandings.

10.2 Waiver

Our failure to enforce any provision of these terms doesn't constitute a waiver of that provision or our right to enforce it in the future.

10.3 Assignment

You can't assign or transfer your rights under these terms without our written consent. We may assign our rights and obligations without restriction.