Terms of Use

1. Acceptance and Modifications

By accessing draventoisa.com or engaging with any of our services, you acknowledge that you have read, understood, and agree to these Terms of Use. If you do not agree with any part of these terms, you should discontinue use immediately.

We reserve the right to update or modify these terms at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications constitutes acceptance of the updated terms. We recommend reviewing this page periodically to stay informed of any changes.

2. Service Description and Limitations

draventoisa provides budget risk management educational resources, consulting services, and related materials designed for Australian businesses and individuals. Our services include risk assessment frameworks, financial planning guidance, and educational content about budget management strategies.

What We Provide

• Educational materials and resources related to budget risk management
• Consultation services for business budget planning and risk assessment
• Access to tools and frameworks for financial risk evaluation
• Periodic updates and industry insights related to financial management

Important Limitations

Our services are educational and advisory in nature. We do not provide specific investment advice, guarantee financial outcomes, or offer regulated financial services. All information provided should be considered general guidance that may need to be adapted to your specific circumstances.

Results from implementing our strategies will vary based on individual circumstances, market conditions, and execution. We make no promises about specific financial improvements or risk elimination.

3. User Obligations and Acceptable Use

When using our services, you agree to maintain professional conduct and comply with all applicable laws. You are responsible for the security of your account credentials and all activities that occur under your account.

Prohibited Activities

• Attempting to gain unauthorized access to our systems or other user accounts
• Using our services for any unlawful purpose or in violation of any regulations
• Reproducing, distributing, or selling our proprietary materials without written permission
• Interfering with or disrupting the integrity or performance of our services
• Attempting to reverse engineer, decompile, or extract source code from our platforms
• Using automated systems to access our services without authorization
• Misrepresenting your affiliation with any person or entity

We reserve the right to suspend or terminate access for users who violate these terms or engage in behaviour that we deem harmful to our services or other users.

4. Intellectual Property Rights

All content on draventoisa.com, including but not limited to text, graphics, logos, images, software, and educational materials, is the property of draventoisa or our content suppliers and is protected by Australian and international copyright laws.

Your Rights

We grant you a limited, non-exclusive, non-transferable license to access and use our materials for personal or internal business purposes. This license does not include the right to:

• Modify, copy, or distribute materials for commercial purposes
• Remove copyright or proprietary notices from any materials
• Transfer materials to another person or create derivative works
• Use materials in a manner that suggests our endorsement of third-party products

If you wish to use our materials beyond these permitted uses, you must obtain written permission by contacting us at support@draventoisa.com.

5. Privacy and Data Protection

We collect and process personal information in accordance with Australian Privacy Principles and applicable data protection regulations. The types of information we collect include contact details, business information, and usage data from our platforms.

How We Use Your Information

• To provide and improve our services and educational content
• To communicate with you about services, updates, and relevant information
• To analyse usage patterns and enhance user experience
• To comply with legal obligations and protect our rights

We do not sell your personal information to third parties. We may share information with service providers who assist in operating our business, subject to confidentiality obligations.

You have the right to access, correct, or request deletion of your personal information. Contact us at support@draventoisa.com to exercise these rights.

6. Payment Terms and Refunds

Services requiring payment must be paid in full according to the terms specified at the time of purchase. We accept major credit cards and bank transfers for Australian accounts. All fees are quoted in Australian dollars unless otherwise stated.

Refund Policy

Refund eligibility depends on the specific service purchased. Educational course fees may be refunded within 14 days of purchase if less than 25% of the content has been accessed. Consultation services are generally non-refundable once scheduled, though we will work with you to reschedule when needed.

To request a refund, contact our support team with your purchase details. Refunds are processed within 10-15 business days to the original payment method. We reserve the right to deny refund requests that do not meet our policy criteria or appear to violate these terms.

7. Disclaimers and Limitation of Liability

Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or meet your specific requirements.

Our total liability for any claims related to our services is limited to the amount you paid for those services in the twelve months preceding the claim. This limitation applies regardless of the legal theory on which the claim is based.

Professional Advice Disclaimer

The information and guidance we provide should not be considered as specific financial, legal, or tax advice. You should consult with qualified professionals before making decisions that could affect your financial situation. We are not responsible for outcomes resulting from decisions made based on our educational content.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by draventoisa. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.

When you access third-party websites through our links, you do so at your own risk. We recommend reviewing the terms and privacy policies of any external sites you visit. Inclusion of links does not imply endorsement of the linked sites or their content.

9. Termination and Suspension

We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Reasons for termination may include violation of these terms, fraudulent activity, or behaviour that we determine to be harmful to our business or other users.

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

You may terminate your account at any time by contacting us. Termination does not entitle you to refunds for unused portions of paid services unless specifically stated in our refund policy.

10. Governing Law and Disputes

These terms are governed by the laws of the Australian Capital Territory, Australia, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts located in Canberra, ACT.

Dispute Resolution Process

Before initiating formal legal proceedings, we encourage you to contact us directly to resolve any disputes. Many issues can be addressed through direct communication. If informal resolution is unsuccessful, you agree to attempt mediation before pursuing litigation.

For disputes involving amounts under $10,000 AUD, both parties agree to binding arbitration in accordance with the Australian Disputes Centre rules. The arbitration will be conducted in Canberra, ACT, and the decision will be final and binding.

11. Indemnification

You agree to indemnify, defend, and hold harmless draventoisa, its directors, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of our services
• Your violation of these terms or any applicable laws
• Your violation of any third-party rights, including intellectual property rights
• Any content you submit or transmit through our services

This indemnification obligation survives termination of these terms and your use of our services.

12. 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 so that the remaining terms remain in full force and effect.

Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative of draventoisa.

These terms constitute the entire agreement between you and draventoisa regarding the use of our services, superseding any prior agreements or understandings. No amendment to these terms will be effective unless made in writing and posted on our website.

Assignment

You may not assign or transfer these terms or your rights under them without our prior written consent. We may assign these terms or any rights under them without restriction, including to affiliates or in connection with a merger or sale of assets.