Acceptance of Terms

By accessing and using aramomeluamora's website (aramomeluamora.com) and related services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our services.

These terms apply to all users of our website, including browsers, registered users, and participants in our educational programs. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting.

Service Description

aramomeluamora provides financial goal setting tools, educational resources, and learning programs designed to help individuals improve their financial planning capabilities. Our services include online courses, planning tools, educational content, and related support materials.

Our educational programs are scheduled to commence in autumn 2025 and early 2026. All course content is for educational purposes only and should not be considered as personalized financial advice. Individual results may vary based on personal circumstances, market conditions, and individual effort.

User Responsibilities and Conduct

Users are expected to maintain appropriate conduct when using our platform. You agree to use our services only for lawful purposes and in accordance with these terms. Prohibited activities include:

• Providing false or misleading information during registration or course participation
• Attempting to gain unauthorized access to our systems or other user accounts
• Sharing course materials or proprietary content without written permission
• Engaging in disruptive behavior during online sessions or forums
• Using our platform to distribute spam, malware, or other harmful content
• Violating any applicable laws or regulations while using our services

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. You must notify us immediately of any unauthorized use of your account.

Intellectual Property Rights

All content, materials, and resources provided through aramomeluamora's platform, including but not limited to text, graphics, logos, course materials, videos, and software, are the intellectual property of aramomeluamora or our licensed content providers. This content is protected by Australian and international copyright laws.

Users are granted a limited, non-exclusive, non-transferable license to access and use our educational materials solely for personal learning purposes. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission.

Any feedback, suggestions, or ideas you provide regarding our services may be used by aramomeluamora without restriction or compensation to you.

Privacy and Data Protection

We are committed to protecting your personal information in accordance with Australian Privacy Principles and applicable data protection laws. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which forms part of these terms.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy. We implement reasonable security measures to protect your data, but cannot guarantee absolute security of information transmitted over the internet.

Payment Terms and Refund Policy

Course fees and payment terms will be clearly communicated during the enrollment process. All payments are due according to the specified payment schedule, and late payments may result in restricted access to course materials.

Refunds may be available within the first 14 days of course commencement, subject to our refund policy conditions. Refund requests must be submitted in writing to our support team. Processing of approved refunds may take 5-10 business days.

We reserve the right to modify course fees with reasonable notice to enrolled participants. Price changes will not affect participants already enrolled in current programs.

Limitation of Liability

aramomeluamora's educational services are provided on an "as is" basis. While we strive to provide accurate and helpful information, we make no warranties regarding the completeness, accuracy, or reliability of our content or the results you may achieve.

To the fullest extent permitted by Australian law, aramomeluamora and its directors, employees, and affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services, including but not limited to lost profits, business interruption, or data loss.

Our maximum liability for any claims related to our services shall not exceed the amount you paid for the specific service giving rise to the claim.

Termination

Either party may terminate the service relationship at any time with reasonable notice. We reserve the right to immediately suspend or terminate your access to our services if you violate these terms or engage in conduct that we determine to be harmful to our platform or other users.

Upon termination, your right to access our platform and course materials will cease immediately. Provisions relating to intellectual property, limitation of liability, and dispute resolution shall survive termination of these terms.

Governing Law and Disputes

These terms are governed by the laws of New South Wales, Australia, and 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.

Before initiating any legal proceedings, parties agree to attempt resolution through good faith negotiations. If informal resolution is unsuccessful, disputes may be referred to mediation or arbitration as mutually agreed.