Terms of Use

1. Acceptance of Terms

When you use our website, enroll in our programs, or interact with our content, you're confirming that you've read and accepted these terms. If something here doesn't work for you, we'd rather you didn't use our services. We update these terms occasionally to reflect changes in how we operate or what the law requires, and we'll post the new version with an updated effective date.

Your continued use after changes means you accept the updated terms. We recommend checking back every few months, especially if you're an active participant in our programs.

2. Educational Services and Programs

novqureara provides educational content focused on financial analysis fundamentals. Our programs are designed to help you build foundational knowledge and practical skills. But here's what we need to be clear about:

2.1 Nature of Our Services

We offer educational content, coursework, and guided learning experiences. What we don't offer are guarantees about specific outcomes, career placement, or financial success. Your results depend on your effort, background, market conditions, and factors completely outside our control.

2.2 Eligibility Requirements

You need to be at least 18 years old to enroll in our programs. Some of our courses might have additional prerequisites based on skill level or prior knowledge. We'll always make those clear before you sign up.

2.3 Program Access and Duration

When you enroll in a program, you'll get access for the duration specified in your enrollment materials. Access periods vary depending on which program you choose. We might extend or modify access periods, but we'll communicate any changes well in advance.

3. User Responsibilities and Conduct

Using our platform comes with some basic expectations. We're building a community of people who want to learn, and that requires mutual respect.

3.1 Account Security

You're responsible for maintaining the confidentiality of your account credentials. Don't share your login information with others. If you suspect someone else accessed your account, let us know immediately at info@novqureara.com.

3.2 Prohibited Activities

Here's what you can't do while using our services:

• Share, distribute, or resell our course materials without written permission
• Record, screenshot, or copy our content for redistribution
• Attempt to access areas of our platform you're not authorized to use
• Upload malicious code or attempt to disrupt our services
• Harass, threaten, or abuse other users or our team members
• Use our platform for any illegal purpose or to violate any Australian laws

4. Intellectual Property Rights

Everything on our platform—course videos, written materials, exercises, design elements, branding—belongs to novqureara or our licensors. When you enroll, you get a limited, non-exclusive license to access and use these materials for your personal educational purposes.

4.1 Your License

You can view, download for offline study, and use our materials as part of your learning. You can't modify them, create derivative works, or use them for commercial purposes. This license ends when your access period expires or if we terminate your account for violating these terms.

4.2 User-Generated Content

Sometimes you might submit assignments, participate in discussions, or share project work. You retain ownership of what you create, but you grant us a license to use, display, and reproduce that content as necessary to provide our services and potentially showcase student work (with your permission).

5. Payment Terms and Refunds

Our pricing is displayed clearly before you enroll. All fees are in Australian dollars unless otherwise stated.

5.1 Payment Processing

We use third-party payment processors to handle transactions. By providing payment information, you confirm you're authorized to use that payment method. You're responsible for any fees your bank or payment provider charges.

5.2 Refund Policy

We offer a refund window that varies by program, typically outlined during enrollment. Refund requests must be submitted in writing to info@novqureara.com. We process approved refunds within 14 business days. Partial refunds might apply if you've accessed significant portions of the course content.

5.3 Price Changes

We might adjust our pricing for new enrollments. If you're already enrolled in a program, price changes won't affect your current enrollment, though they might apply to future programs or renewals.

6. Privacy and Data Collection

We collect information necessary to provide our services and improve your learning experience. Our detailed Privacy Policy explains what we collect, how we use it, and your rights regarding your data.

By using our services, you consent to data collection and use as described in our Privacy Policy. We comply with Australian Privacy Principles and applicable data protection regulations.

7. Disclaimers and Limitations

This section contains important legal protections. We want to be straightforward about what we promise and what we don't.

7.1 Educational Purpose Only

Our content is educational. It's not financial advice, investment recommendations, or professional consulting. We're teaching concepts and analytical frameworks. You shouldn't make financial decisions based solely on course content without consulting qualified professionals.

7.2 No Guarantees

We can't promise that completing our programs will result in employment, income, career advancement, or specific skills mastery. Education is one piece of professional development. Your outcomes depend on many factors including your effort, prior experience, market conditions, and opportunities available to you.

7.3 Service Availability

We strive to keep our platform available and functioning smoothly. However, we can't guarantee uninterrupted access. Technical issues happen. Maintenance is sometimes necessary. We're not liable for temporary unavailability or technical problems outside our reasonable control.

8. Termination and Suspension

We can suspend or terminate your access if you violate these terms, engage in prohibited activities, or if we reasonably believe continued access poses risks to our platform or other users.

8.1 Immediate Termination

We reserve the right to immediately terminate access without refund if you:

• Share or distribute our proprietary content
• Engage in fraudulent activity or payment disputes
• Harass our team or other users
• Attempt to compromise our platform security

8.2 Your Right to Cancel

You can cancel your enrollment according to our refund policy. After the refund window closes, you might still cancel but won't receive a refund for remaining access time.

9. Third-Party Services and Links

Our platform might integrate with or link to third-party services, tools, or websites. We don't control these external services and aren't responsible for their content, privacy practices, or availability. Your use of third-party services is governed by their terms and policies.

We might recommend specific tools or software for learning purposes. These recommendations don't constitute endorsements, and we receive no compensation for them unless explicitly disclosed.

10. Communication and Notices

We'll communicate with you through the email address you provided during registration. It's your responsibility to keep this information current. Important notices, including changes to these terms, will be sent to your registered email and posted on our website.

If you need to contact us formally about these terms or legal matters, write to us at:

novqureara
6 Kelly St, Mundingburra QLD 4812, Australia
Email: info@novqureara.com
Phone: +61407659008

11. Dispute Resolution

If something goes wrong, let's try to work it out directly before involving lawyers or courts.

11.1 Informal Resolution

Contact us at info@novqureara.com with a detailed description of your concern. We commit to responding within five business days and working toward a reasonable solution within 30 days.

11.2 Governing Law

These terms are governed by the laws of Queensland, Australia. Any disputes that can't be resolved informally will be handled in the courts of Queensland.

12. General Provisions

12.1 Entire Agreement

These terms, along with our Privacy Policy and any program-specific terms, constitute the complete agreement between you and novqureara regarding our services.

12.2 Severability

If any provision of these terms is found unenforceable, the rest remains in effect. We'll replace any invalid provision with something similar that is enforceable.

12.3 No Waiver

If we don't enforce a particular term immediately, that doesn't mean we're waiving our right to enforce it later.

12.4 Assignment

You can't transfer your rights or obligations under these terms without our written consent. We might transfer our rights and obligations to another entity if we restructure our business, but we'll notify you if this happens.

13. Updates to These Terms

We review and update these terms periodically. Changes might reflect new features, legal requirements, or operational adjustments. When we make significant changes, we'll email you at least 30 days before the new terms take effect.

Continuing to use our services after the effective date means you accept the updated terms. If you don't agree with changes, you should discontinue use before they take effect.