Terms of Use

Acceptance of Terms

When you create an account or simply browse our site, you're entering into a binding agreement with moravelynto. If any part of these terms doesn't sit right with you, we'd prefer you didn't use our services. Sounds harsh, but we need everyone on the same page.

We reserve the right to modify these terms at any time. Changes take effect immediately upon posting to the website. Your continued use after modifications means you accept the updated terms. We'll try to notify you of significant changes, but checking back periodically is your responsibility.

User Accounts and Registration

To access certain features of our educational platform, you'll need to register for an account. The information you provide must be accurate and current. You're responsible for maintaining the confidentiality of your account credentials.

Account Requirements

• You must be at least 18 years old to create an account
• Provide truthful and complete registration information
• Keep your password secure and don't share it with anyone
• Notify us immediately if you suspect unauthorized access
• You're liable for all activities that occur under your account

We can suspend or terminate your account if we believe you've violated these terms or engaged in fraudulent activity. You can close your account at any time by contacting us directly.

Educational Content and Services

moravelynto provides educational resources focused on budget foundations and financial literacy. Our content is designed for informational purposes and shouldn't be considered professional financial advice.

Content Usage Rights

When you access our educational materials, you receive a limited, non-exclusive, non-transferable licence to view and use the content for personal educational purposes only. This doesn't mean you own the content.

• Don't reproduce, distribute, or sell our educational materials
• Don't create derivative works based on our content
• Don't remove copyright notices or proprietary marks
• Don't use automated tools to scrape or download bulk content

User Conduct and Prohibited Activities

We expect users to behave responsibly and respectfully when using our platform. The following activities are strictly prohibited:

• Harassing, threatening, or abusing other users or our staff
• Posting false, misleading, or fraudulent information
• Attempting to gain unauthorized access to our systems
• Introducing viruses, malware, or harmful code
• Using the platform for any illegal purpose
• Impersonating another person or organization
• Interfering with other users' access to the platform
• Collecting other users' personal information without consent

Violation of these conduct rules may result in immediate account suspension or termination, and we may report illegal activities to relevant authorities.

Intellectual Property Rights

Everything you see on moravelynto.com—the text, graphics, logos, course materials, software, and overall design—is owned by moravelynto or our content licensors. It's all protected by Australian and international copyright, trademark, and other intellectual property laws.

Our Content

The educational materials, articles, videos, and interactive tools we've developed represent significant investment of time and expertise. We're happy to share them with you for learning purposes, but they remain our property.

Your Content

If you post comments, questions, or other content on our platform, you grant us a non-exclusive, worldwide, royalty-free licence to use, reproduce, and display that content in connection with our services. You retain ownership of your content, but we need these rights to operate the platform effectively.

Payment Terms and Refunds

Some of our educational programs require payment. When you purchase access to paid content, you agree to provide accurate payment information and authorize us to charge your selected payment method.

Pricing and Availability

Prices for our educational programs are listed in Australian dollars and may change without notice. We'll always show you the current price before you complete a purchase. Program availability depends on enrolment capacity and scheduling.

Refund Policy

If you're not satisfied with a paid program, you may request a refund within 14 days of purchase, provided you haven't accessed more than 25% of the course content. Refund requests should be submitted to help@moravelynto.com with your purchase details.

Privacy and Data Protection

Your privacy matters to us. We collect and process personal information in accordance with our Privacy Policy and the Australian Privacy Act 1988. By using our services, you consent to our data practices as described in our Privacy Policy.

• We collect information you provide during registration and use
• We use cookies and similar technologies to improve your experience
• We don't sell your personal information to third parties
• We implement reasonable security measures to protect your data
• You can request access to or deletion of your personal information

Disclaimers and Limitations of Liability

Our educational content is provided "as is" without warranties of any kind, either express or implied. While we strive for accuracy, we can't guarantee that all information is completely current or error-free.

No Professional Advice

moravelynto provides educational content about budget management and financial literacy. This content doesn't constitute professional financial, legal, or tax advice. You should consult with qualified professionals for advice specific to your circumstances.

Limitation of Liability

To the maximum extent permitted by Australian law, moravelynto and its directors, employees, and affiliates won't be liable for any indirect, incidental, consequential, or special damages arising from your use of our services. This includes lost profits, data loss, or business interruption.

Our total liability for any claim related to our services is limited to the amount you paid us in the 12 months before the event giving rise to the claim. Some jurisdictions don't allow certain liability limitations, so these may not apply to you.

Third-Party Links and Services

Our website may contain links to external websites or reference third-party services. We're not responsible for the content, accuracy, or practices of these external sites. Clicking these links is at your own risk.

We don't endorse or make representations about third-party websites or services. Your interactions with third parties found through our platform are solely between you and that third party.

Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Common reasons for termination include violation of these terms, fraudulent activity, or behavior that harms other users.

Effects of Termination

• Your right to access the platform immediately ceases
• We may delete your account and associated data
• Provisions of these terms that should survive will remain in effect
• You remain liable for any outstanding obligations

You can terminate your account at any time by contacting us. Upon termination, you must stop using our services and may lose access to any content or materials associated with your account.

Governing Law and Dispute Resolution

These terms are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of New South Wales.

Dispute Resolution Process

Before initiating formal legal proceedings, we encourage you to contact us directly to resolve any concerns. Most issues can be resolved through good-faith discussion. If we can't reach an agreement within 30 days, either party may pursue formal dispute resolution.

General Provisions

Entire Agreement

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

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 force.

Waiver

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of moravelynto.

Assignment

You can't transfer or assign your rights or obligations under these terms without our written consent. We may assign these terms to any affiliate or in connection with a merger, acquisition, or sale of assets.