1Acceptance of Terms

Your access to polarevion's website and services constitutes your acceptance of these Terms of Use. If you don't agree with any part of these terms, you shouldn't use our website or enroll in our programs.

We reserve the right to update these terms at any time. Changes become effective immediately upon posting to the website. Your continued use after changes indicates acceptance of the modified terms. We'll note the date of the most recent update at the top of this page.

Some of our services may have additional terms or requirements. Those specific terms supplement these general terms and will be presented to you when relevant.

2Educational Services and Programs

Program Enrollment

Our budgeting skills programs are designed for adults seeking to improve their financial literacy and money management capabilities. Enrollment is subject to availability and may require completion of a registration process.

• You must provide accurate and complete information during registration
• You're responsible for maintaining the confidentiality of your account credentials
• One account per person – sharing accounts violates these terms
• We reserve the right to refuse service or terminate accounts that violate our policies

Program Participation

Active participation in our programs requires commitment to the learning process. While we provide comprehensive educational materials and support, your success depends on your own effort and application of the concepts taught.

3Intellectual Property Rights

All content on polarevion.com, including but not limited to text, graphics, logos, course materials, videos, worksheets, and software, is owned by polarevion or licensed to us. This content is protected by Australian and international copyright laws.

Your Limited License

When you enroll in our programs, we grant you a limited, non-exclusive, non-transferable license to access and use the educational materials for your personal learning purposes only.

• You may download materials for your personal use and reference
• You cannot reproduce, distribute, or sell any of our content
• Sharing login credentials or course materials with others is prohibited
• Screen recording, copying, or republishing our content violates these terms
• Any unauthorized use may result in immediate termination of your access

User-Generated Content

If you submit questions, comments, or other content through our platform, you grant polarevion a perpetual, worldwide license to use, modify, and display that content for educational and promotional purposes. You confirm that any content you submit doesn't infringe on anyone else's rights.

4User Conduct and Responsibilities

You agree to use polarevion's services responsibly and respectfully. The following behaviours are specifically prohibited:

• Harassing, threatening, or disrespecting other users or our staff
• Posting or sharing inappropriate, offensive, or illegal content
• Attempting to gain unauthorized access to our systems or other user accounts
• Using our platform for commercial solicitation or spam
• Impersonating another person or misrepresenting your affiliation with anyone
• Interfering with the proper functioning of the website or services
• Collecting or harvesting information about other users

5Payment Terms and Refund Policy

Payment Obligations

When you enroll in a paid program, you agree to pay all applicable fees as described during the registration process. Payment is due at the time of enrollment unless other arrangements have been explicitly agreed upon in writing.

We accept various payment methods as indicated on our website. You're responsible for ensuring your payment information is current and accurate. Failed payments may result in suspension of access to course materials.

Refund Policy

We want you to be satisfied with your educational experience. Our refund policy provides reasonable protection while also respecting the value of our educational content:

• Full refunds are available within 14 days of enrollment if you've accessed less than 20% of the course materials
• After 14 days or if you've accessed more than 20% of materials, refunds are not available
• Special circumstances may be considered on a case-by-case basis
• Refund requests must be submitted in writing to info@polarevion.com
• Processing refunds typically takes 7-10 business days

6Privacy and Data Protection

We take your privacy seriously. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which you should review alongside these Terms of Use.

By using our services, you consent to our collection and use of information as described in our Privacy Policy. We don't sell your personal information to third parties.

• We collect information necessary to provide and improve our services
• We use industry-standard security measures to protect your data
• You have rights regarding your personal information under Australian privacy laws
• You can request access to or deletion of your data by contacting us

7Disclaimers and Limitations

Educational Nature of Services

polarevion provides educational content about budgeting and financial management. We're not financial advisors, and our content doesn't constitute financial advice tailored to your specific situation.

No Guarantees

We don't guarantee specific results, outcomes, or financial improvements from participating in our programs. Your success depends on many factors beyond our control, including your commitment, starting position, and life circumstances.

While we strive to provide accurate and current information, financial regulations, best practices, and economic conditions change. We don't warrant that our content is error-free or always completely current.

Limitation of Liability

To the maximum extent permitted by Australian law, polarevion and its directors, employees, and partners are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.

Our total liability to you for any claims related to our services is limited to the amount you've paid us in the 12 months preceding your claim.

8Third-Party Links and Services

Our website may contain links to third-party websites, tools, or services that we think might be useful. These links are provided for your convenience only.

• We don't control or endorse third-party websites or services
• We're not responsible for the content, privacy practices, or terms of third-party sites
• Your interactions with third-party sites are solely between you and them
• Review the terms and policies of any third-party sites before using them

9Dispute Resolution

We hope any concerns can be resolved through direct communication with our team. If disputes arise, the following process applies:

Informal Resolution

Before pursuing formal action, please contact us at info@polarevion.com describing your concern. We'll work with you in good faith to resolve the issue within 30 days.

Governing Law

These terms are governed by the laws of the Australian Capital Territory and the Commonwealth of Australia. Any legal proceedings must be brought in the courts of the Australian Capital Territory.

Arbitration

If informal resolution fails, disputes may be referred to arbitration in accordance with the Australian Arbitration Act. Both parties agree to participate in good faith in any such arbitration proceedings.

10General Provisions

Entire Agreement

These Terms of Use, together with our Privacy Policy and any program-specific terms, constitute the entire agreement between you and polarevion regarding use of our services.

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 so that the remaining terms remain in full effect.

Waiver

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

Assignment

You cannot assign or transfer these terms or your account to anyone else. We may assign our rights and obligations under these terms to another organization, particularly in the event of a merger, acquisition, or sale of assets.

Survival

Provisions that by their nature should survive termination of your account or these terms will continue to apply, including ownership rights, warranty disclaimers, and limitations of liability.