1. Acceptance of Terms

By accessing and using aratgoranzeus's financial education services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and aratgoranzeus, located at 10/12 Pulteney St, Adelaide SA 5000, Australia.

If you do not agree with any portion of these terms, you must discontinue use of our services immediately. Your continued use of our platform constitutes acceptance of any updates or modifications to these terms.

2. Service Description and Educational Nature

aratgoranzeus provides educational content focused on fundamental analysis in finance. Our services are designed to enhance understanding of financial concepts, market analysis techniques, and investment principles through structured learning programs.

Our services are strictly educational in nature and do not constitute financial advice, investment recommendations, or guarantees of financial success.

3. User Responsibilities and Conduct

Users of aratgoranzeus's services agree to maintain appropriate conduct and use our platform responsibly. You are responsible for safeguarding your account credentials and ensuring all information provided is accurate and current.

Any misuse of our services, including unauthorized sharing of content or attempting to circumvent security measures, may result in immediate account suspension or termination.

4. Intellectual Property and Content Usage

All educational materials, course content, assessments, and proprietary methodologies provided by aratgoranzeus are protected by intellectual property laws. Users receive a limited, non-transferable license to access and use these materials for personal educational purposes only.

Reproduction, distribution, or commercial use of our content without express written permission is strictly prohibited. This includes but not limited to sharing course materials, copying assessment questions, or creating derivative works based on our educational content.

Users retain ownership of any original work created through our learning programs, while aratgoranzeus maintains rights to all instructional materials and platform functionality.

5. Disclaimers and Educational Limitations

aratgoranzeus's educational services are provided for informational and learning purposes only. We make no guarantees regarding employment outcomes, income potential, or investment success following completion of our programs.

Financial markets involve inherent risks, and past performance does not guarantee future results. Students must conduct their own research and consider their personal financial situation before making any investment decisions.

6. Privacy and Data Protection

aratgoranzeus is committed to protecting user privacy and handling personal information responsibly. We collect and process data necessary to provide educational services and improve user experience, in accordance with applicable Australian privacy legislation.

Personal information collected may include contact details, learning progress, assessment results, and platform usage data. This information is used solely for educational service delivery and is not shared with third parties without explicit consent, except as required by law.

Users have the right to request access to their personal data, request corrections, or request deletion of their information, subject to our legitimate business needs and legal obligations.

7. Payment Terms and Refund Policy

Payment for aratgoranzeus's educational services is required prior to accessing course materials. All fees are clearly displayed during the enrollment process and are subject to applicable taxes.

Refunds may be considered within 14 days of initial enrollment, provided minimal course content has been accessed. Refund requests must be submitted in writing and will be evaluated on a case-by-case basis. Processing fees may apply to approved refunds.

aratgoranzeus reserves the right to modify pricing and payment terms with reasonable notice to existing users. Changes to payment terms will not affect current enrollment periods but may apply to future enrollments or renewals.

8. Limitation of Liability

aratgoranzeus's liability to users is limited to the maximum extent permitted under Australian law. We shall not be liable for any indirect, incidental, special, or consequential damages arising from use of our educational services.

Our maximum liability for any claim related to our services shall not exceed the total amount paid by the user for the specific course or service giving rise to the claim. This limitation applies regardless of the legal theory under which the claim is brought.

Users acknowledge that financial education involves inherent risks and that aratgoranzeus cannot be held responsible for financial losses resulting from application of educational concepts learned through our programs.

9. Modifications and Updates

aratgoranzeus reserves the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. Users will be notified of significant changes through email or platform announcements.

Continued use of our services following notification of changes constitutes acceptance of the updated terms. Users who do not agree to modified terms should discontinue use of our services.

We recommend reviewing these terms periodically to stay informed of any updates or changes that may affect your use of aratgoranzeus's educational services.

10. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of South Australia and the Commonwealth of Australia. Any disputes arising from these terms or use of our services will be subject to the exclusive jurisdiction of South Australian courts.

Before initiating formal legal proceedings, parties agree to attempt resolution through good faith negotiations. aratgoranzeus encourages users to contact our support team to address concerns or disputes informally when possible.

If formal dispute resolution becomes necessary, both parties agree to consider mediation as a first step before pursuing litigation, where appropriate under the circumstances.