Terms of Use

If you create an account with us, you're responsible for maintaining its security. Choose a strong password. Don't share your login credentials. If you suspect unauthorized access, let us know immediately at contact@temoravixi.com.

You must provide accurate information when registering. If your details change, update them. Using false information or impersonating others isn't just against our terms—it could be illegal.

Don't do these things on our platform:

• Upload malicious code, viruses, or anything designed to disrupt our systems
• Attempt to gain unauthorized access to other users' accounts or our infrastructure
• Scrape or harvest data using automated tools without permission
• Post content that's defamatory, offensive, or infringes on others' rights
• Use our services for any unlawful purpose or to violate regulations
• Resell or redistribute our content without proper licensing agreements
• Interfere with other users' ability to access and enjoy our services

Our content is designed for educational and professional development purposes. While we aim for accuracy, financial markets and regulations change. You're expected to verify information and seek appropriate professional advice before making business decisions based on concepts learned through our platform.

If you contribute content to our platform—comments, forum posts, case study responses—you retain ownership of your work. But you grant us a license to use, display, and distribute that content as part of our services.

You warrant that anything you post doesn't infringe on anyone else's intellectual property. If it does, that's on you.

Payment is due at the time of purchase unless otherwise specified. We accept major credit cards and other payment methods as indicated during checkout.

For subscription services, you authorize us to charge your payment method on a recurring basis until you cancel. We'll notify you of any price changes at least 30 days before they take effect.

You can cancel subscriptions at any time through your account settings. Cancellations take effect at the end of your current billing period.

Refund policies vary by service type. For educational programs, we typically offer refunds within 14 days of purchase if you haven't accessed substantial course content. After that point or for completed programs, refunds generally aren't available.

Australian Consumer Law guarantees apply regardless of these terms. If our services fail to meet consumer guarantees, you're entitled to remedies under that legislation.

Our services are educational. We're not providing financial advice, and we're not licensed to do so. The concepts, examples, and case studies we present are for learning purposes. They shouldn't be your only basis for making financial decisions.

Financial analysis involves judgment, and different professionals might reach different conclusions from the same data. We teach methodologies and frameworks, but we can't guarantee particular outcomes from applying them.

We provide our services "as is" and "as available." While we work hard to maintain quality and accuracy, we don't warrant that:

• Our services will be uninterrupted, error-free, or completely secure
• All content will be accurate, complete, or current at all times
• Defects will be corrected immediately or at all
• Our servers are free from harmful components

We make reasonable efforts on all these fronts, but things happen. Technology fails, information changes, humans make mistakes.

To the fullest extent permitted by law, temoravixi and its directors, employees, and partners won't be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services.

This includes loss of profits, data, or opportunities—even if we've been advised of the possibility of such damages.

Where Australian Consumer Law or other mandatory legislation applies and can't be excluded, our liability is limited to resupplying the services or paying the cost of resupply.

Upon termination, your right to access and use our services ends immediately. We'll retain your data as described in our Privacy Policy but aren't obligated to maintain access to content or materials after your account closes.

If a dispute arises, we'd prefer to resolve it amicably before anyone involves lawyers. Contact us first at contact@temoravixi.com with a detailed description of the issue.

We'll work in good faith to find a resolution within 30 days. If that doesn't work, you retain all legal rights available under Australian law.

Nothing in these terms affects rights under Australian Consumer Law or other mandatory legislation that can't be excluded by contract.

These Terms of Use, together with our Privacy Policy and any other legal notices we publish, constitute the entire agreement between you and temoravixi regarding our services.

If any provision of these terms is found to be unenforceable, the remaining provisions continue in full effect. The unenforceable provision will be modified to the minimum extent necessary to make it valid.

Our failure to enforce any provision doesn't constitute a waiver of that provision or our right to enforce it later. Waivers must be in writing to be effective.

You can't transfer or assign your rights under these terms without our written consent. We can assign our rights and obligations to any successor entity as part of a merger, acquisition, or sale of assets.

We're not liable for delays or failures in performance resulting from circumstances beyond our reasonable control—natural disasters, pandemics, government actions, telecommunications failures, or similar events.