1 Service Description and Access

stellanovaeon provides educational resources and tools designed to help Australian residents better understand and manage their personal finances. Our platform offers courses, budgeting tools, and financial literacy content. We're not a financial advisory service, and nothing on our platform should be taken as personalized financial advice.

You must be at least 18 years old to create an account. When you register, you're responsible for maintaining the confidentiality of your account credentials. Any activity under your account is your responsibility, so let us know immediately if you suspect unauthorized access.

2 User Responsibilities

You agree to use our platform in a way that's lawful and respectful of others. Here's what we expect:

• Provide accurate information when creating your account and keep it updated
• Not share your login credentials with anyone else
• Use the platform for personal educational purposes only
• Not attempt to scrape, copy, or reproduce our content for commercial use
• Respect intellectual property rights of all materials on the platform
• Not use the service to transmit malicious code or disrupt functionality
• Comply with all applicable Australian laws and regulations

If you're using our budgeting tools, you're responsible for the accuracy of the financial data you enter. We provide the framework, but your financial decisions remain entirely your own.

3 Educational Content and Disclaimers

Our educational programs are designed to build financial literacy over time. While we work hard to provide valuable content, we need to be clear about what we can and can't promise.

Learning Outcomes

Individual results from our programs vary significantly based on your starting knowledge, time commitment, and personal circumstances. We can't guarantee specific financial outcomes, and past participant experiences don't predict what you'll achieve.

Financial Information

All content is for educational purposes only. It's not personalized financial advice and shouldn't replace consultation with qualified professionals. Australian financial regulations are complex and change regularly. We update our content periodically, but you're responsible for verifying current regulations and requirements.

4 Intellectual Property Rights

Everything on our platform—including courses, articles, budgeting tools, graphics, and software—is owned by stellanovaeon or our content partners. When you access our materials, you receive a limited, non-exclusive license to use them for personal educational purposes.

This means you can:

• Access and view content through your personal account
• Download materials explicitly marked as downloadable for offline study
• Print reasonable portions for personal reference

You can't:

• Reproduce or redistribute our content commercially
• Remove copyright notices or branding from materials
• Create derivative works based on our proprietary content
• Share your account access or course materials with others
• Use automated systems to extract or collect our content

5 Payment and Subscription Terms

Some parts of our platform require payment. When you purchase a subscription or course, you're entering into a separate agreement for those specific services.

Billing and Renewals

Subscriptions automatically renew at the end of each billing period unless you cancel beforehand. We'll charge the payment method on file using the then-current pricing. If payment fails, we may suspend your access until the issue is resolved.

Refund Policy

You can request a full refund within 14 days of purchase if you've accessed less than 20% of the course content. After that period, or if you've substantially engaged with the material, refunds are at our discretion. This doesn't affect your rights under Australian Consumer Law.

Price Changes

We may adjust pricing with at least 30 days' notice for existing subscribers. New prices take effect on your next renewal date. If you don't accept a price increase, you can cancel before the renewal.

6 Privacy and Data Protection

We take your privacy seriously and handle your personal information according to our Privacy Policy and the Australian Privacy Principles. When you use our platform, we collect and process data necessary to provide our services.

For budgeting tools, any financial data you enter remains yours. We don't sell this information to third parties. We may use aggregated, anonymized data to improve our services and create educational content, but individual user data stays confidential.

You have rights regarding your data, including access, correction, and deletion requests. See our Privacy Policy for detailed information about how we collect, use, and protect your information.

7 Limitation of Liability

To the extent permitted by Australian law, stellanovaeon provides services "as is" without warranties of any kind. We work to keep our platform running smoothly, but we can't guarantee uninterrupted access or error-free operation.

We're not liable for:

1. Financial decisions you make based on information from our platform
2. Indirect or consequential damages arising from service use
3. Loss of data due to technical issues or user error
4. Third-party content or external links we may reference
5. Service interruptions due to maintenance or circumstances beyond our control

Where liability can't be excluded under Australian Consumer Law, it's limited to the amount you paid for the specific service in the 12 months before the issue occurred, or to resupplying the service, at our option.

8 Termination and Account Closure

You can close your account anytime through your account settings. Upon closure, you'll lose access to purchased content, though this doesn't entitle you to a refund outside our standard refund window.

We may suspend or terminate accounts that violate these terms, engage in fraudulent activity, or misuse our platform. We'll typically provide notice unless immediate termination is necessary to protect our service or other users.

After termination, your license to use our content ends immediately. We may retain certain data as required by law or for legitimate business purposes, as detailed in our Privacy Policy.

9 Changes to These Terms

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

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

The "Last Updated" date at the top of this document shows when the current version became effective.

10 Governing Law and Disputes

These terms are governed by the laws of Western Australia and the Commonwealth of Australia. Any disputes will be subject to the exclusive jurisdiction of courts in Western Australia.

Before initiating legal proceedings, we encourage you to contact us to resolve issues informally. Many concerns can be addressed through direct communication.

Nothing in these terms limits your rights under Australian Consumer Law or other mandatory consumer protections.