1. Definitions and Interpretation

Throughout these Terms of Use, specific terms carry particular meanings:

• "zenelithora," "we," "us," or "our" refers to the educational platform operated from 5/69-71 Monaro St, Queanbeyan, NSW, 2620, Australia
• "Services" means all educational content, training programs, resources, and materials provided through our platform
• "User," "you," or "your" refers to anyone who accesses our website or participates in our programs
• "Content" includes all text, images, videos, course materials, and other resources available through our platform
• "Account" means the registered user profile created to access certain features of our services

2. Acceptance and Modifications

You accept these terms by accessing our website, creating an account, or enrolling in any of our programs. We reserve the right to modify these terms at any time, with changes becoming effective immediately upon posting to our website.

Continued use of our services after modifications constitutes acceptance of updated terms. We'll make reasonable efforts to notify users of significant changes through email or website announcements, but it's your responsibility to review these terms regularly.

3. User Accounts and Registration

Creating an account requires accurate, current, and complete information. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Requirements

1. You must be at least 18 years old to create an account
2. Provide truthful information during registration and keep it updated
3. Choose a secure password and don't share it with others
4. Notify us immediately of any unauthorized account access
5. One person per account – sharing accounts violates these terms

We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent activity. You're liable for any losses resulting from unauthorized use of your account if you fail to protect your credentials properly.

4. Educational Services and Programs

Our entrepreneurial skills programs are designed to provide practical financial education. Program availability, content, and structure may change based on educational needs and market conditions.

Program Enrollment

Enrollment in our programs typically opens for intake periods beginning autumn 2025 and early 2026. Specific dates and availability will be announced through our website and email communications. Program spaces may be limited, and enrollment operates on a first-come, first-served basis once eligibility requirements are met.

We don't guarantee specific outcomes, job placement, or financial results from participation in our programs. Success depends on individual effort, existing knowledge, market conditions, and many factors beyond our control.

5. Intellectual Property Rights

All content provided through zenelithora remains our property or that of our licensors. This includes course materials, videos, written content, graphics, logos, and software.

Your License to Use Content

We grant you a limited, non-exclusive, non-transferable license to access and use our educational content for personal learning purposes only. This license doesn't allow you to:

• Copy, reproduce, or distribute our materials to others
• Modify, adapt, or create derivative works from our content
• Use our content for commercial purposes or financial gain
• Remove copyright notices or proprietary markings
• Share account access or course materials with non-enrolled individuals
• Record, screenshot, or redistribute video content or live sessions

Violation of these intellectual property terms may result in immediate account termination and potential legal action. We take protection of our educational content seriously.

6. User Conduct and Prohibited Activities

You agree to use our services responsibly and in compliance with applicable laws. Certain activities are strictly prohibited when using our platform.

Prohibited Conduct Includes

1. Harassing, threatening, or abusing other users or our staff
2. Posting false, misleading, or defamatory content
3. Attempting to gain unauthorized access to our systems or other user accounts
4. Using automated systems or bots to access our services
5. Interfering with the proper functioning of our platform
6. Engaging in any fraudulent or illegal activities
7. Impersonating another person or entity
8. Collecting information about other users without permission

We reserve the right to investigate suspected violations and cooperate with law enforcement when necessary. Serious violations may result in immediate termination without refund.

7. Payment Terms and Refund Policy

Payment for our programs and services must be made according to the pricing and terms communicated at the time of enrollment. All fees are in Australian Dollars (AUD) unless otherwise specified.

Refund Eligibility

Refund policies vary depending on the specific program and timing of your request. Generally, refunds may be available within a limited period after enrollment, subject to conditions communicated during the registration process. Once you've accessed significant portions of course content, refunds typically won't be available.

Payment plans, if offered, create a binding obligation to complete all scheduled payments. Failed payments may result in account suspension until outstanding balances are resolved. We don't offer refunds for partially completed payment plans.

8. Privacy and Data Protection

We collect and process personal information in accordance with our Privacy Policy and applicable Australian privacy laws. By using our services, you consent to our data practices as described in our Privacy Policy.

We take reasonable measures to protect your personal information, but no electronic transmission or storage method is completely secure. You acknowledge the inherent risks of providing information online.

Your Data Rights

You have the right to access, correct, or request deletion of your personal information, subject to legal obligations that may require us to retain certain data. Contact us at info@zenelithora.org to exercise these rights.

9. Disclaimers and Limitations of Liability

Our services are provided "as is" without warranties of any kind, either express or implied. We don't guarantee that our services will be uninterrupted, error-free, or completely secure.

Limitation of Liability

To the maximum extent permitted by Australian law, zenelithora and its directors, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.

Our total liability for any claims arising from these terms or your use of our services is limited to the amount you paid us in the 12 months preceding the claim.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that aren't owned or controlled by zenelithora. We're not responsible for the content, privacy policies, or practices of any third-party sites.

Accessing third-party links is at your own risk. We don't endorse or assume responsibility for any third-party content, products, or services. Review the terms and policies of any third-party sites you visit.

11. Termination

We reserve the right to suspend or terminate your account and access to our services at our discretion, with or without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

You may terminate your account at any time by contacting us at info@zenelithora.org. Termination doesn't relieve you of obligations incurred before termination or entitle you to refunds unless specifically stated in our refund policy.

Effect of Termination

Upon termination, your right to access our services immediately ceases. Provisions of these terms that by their nature should survive termination will remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

12. Dispute Resolution and Governing Law

These terms are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of New South Wales.

Informal Resolution

Before initiating formal proceedings, you agree to contact us at info@zenelithora.org to attempt informal resolution of any disputes. We'll work in good faith to resolve issues fairly and efficiently. Most concerns can be addressed through direct communication.

13. General Provisions

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, and the remaining provisions will remain in full effect.

Our failure to enforce any right or provision of these terms won't be considered a waiver of those rights. These terms constitute the entire agreement between you and zenelithora regarding our services and supersede any prior agreements.

Assignment

You may not assign or transfer these terms or your account without our prior written consent. We may assign our rights and obligations under these terms without restriction. Any attempted assignment in violation of this section is void.