Acceptance of Terms

Your use of glorianevio's services constitutes acceptance of these Terms of Use, along with our Privacy Policy and any additional guidelines we post on the platform. These terms apply to all visitors, users, and others who access our services.

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 means you accept the modified terms. We recommend checking this page periodically—though we'll make reasonable efforts to notify you of significant changes.

Educational Services and Content

Nature of Services

glorianevio provides educational content focused on financial statement analysis. Our courses, tutorials, and resources are designed to help you understand financial documents, ratios, and analysis techniques. This is education—not financial advice.

We don't guarantee specific outcomes from our educational programs. Learning depends on many factors including your effort, background knowledge, and how you apply what you learn. Some students grasp concepts quickly; others need more time. That's completely normal.

Content Accuracy

We work hard to keep our content accurate and current with Australian financial standards and practices. However, financial regulations and best practices evolve. While we update our materials regularly, there may be brief periods when content doesn't reflect the very latest changes.

User Accounts and Registration

Account Creation

To access certain features, you'll need to create an account. You agree to provide accurate, current information during registration and keep it updated. You're responsible for maintaining the confidentiality of your account credentials.

• Use a strong, unique password that you don't use elsewhere
• Never share your login credentials with anyone
• Notify us immediately if you suspect unauthorized access
• You're responsible for all activity under your account

Account Eligibility

You must be at least 18 years old to create an account. If you're under 18, you may use our services only with involvement of a parent or guardian who agrees to these terms.

Acceptable Use Policy

You agree to use our platform responsibly and in compliance with all applicable laws. This seems obvious, but we need to be explicit about what's not allowed.

Prohibited Activities

• Attempting to access areas of the platform you're not authorized to use
• Interfering with or disrupting the platform's functionality or security
• Using automated systems to extract content without permission
• Sharing your account access with multiple users
• Reproducing or redistributing our educational content without authorization
• Uploading malicious code, viruses, or harmful software
• Harassing other users or our staff
• Impersonating others or providing false information

Violation of these policies may result in immediate account suspension or termination, without refund of any fees paid.

Intellectual Property Rights

Our Content

All content on glorianevio—including text, graphics, videos, software, course materials, and the overall platform design—is owned by glorianevio or our content suppliers. This content is protected by Australian and international copyright laws.

Your subscription or purchase grants you a limited, non-exclusive, non-transferable license to access and use our educational materials for personal learning purposes. You can't resell, redistribute, or commercially exploit our content.

User-Generated Content

If you submit questions, comments, or other content to our platform, you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute that content in connection with our services. Don't submit anything you want to keep completely private.

Payment Terms and Refunds

Fees and Payment

Some of our services require payment. All fees are in Australian Dollars unless otherwise specified. You agree to pay all applicable fees according to the pricing and payment terms presented at the time of purchase.

For subscription services, payments are processed automatically on a recurring basis until you cancel. You're responsible for maintaining valid payment information.

Refund Policy

We offer a 14-day refund period for most course purchases, provided you haven't completed more than 25% of the course content. For subscription services, refunds are prorated based on unused time if you cancel within the first billing period.

Refund requests must be submitted through our support system at support@glorianevio.com. We typically process approved refunds within 7 business days.

Disclaimers and Limitations

Service Availability

We strive to maintain consistent platform availability, but we can't guarantee uninterrupted access. Maintenance, updates, technical issues, or circumstances beyond our control may occasionally disrupt service.

Limitation of Liability

To the maximum extent permitted by Australian law, glorianevio 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 related to our services is limited to the amount you paid us in the twelve months preceding the claim. This doesn't affect any rights you may have under Australian Consumer Law that cannot be excluded.

Privacy and Data Protection

Your privacy matters to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you agree to our data practices as described in that policy.

We comply with the Australian Privacy Act 1988 and the Privacy Amendment Act 2017. You have rights regarding your personal data, including the right to access, correct, and request deletion of your information.

Third-Party Links and Services

Our platform may contain links to third-party websites or integrate with external services. These are provided for convenience—we don't control or endorse these external sites. Your use of third-party services is at your own risk and subject to their terms.

We're not responsible for the content, privacy practices, or functionality of external websites or services, even if we link to them or they're integrated into our platform.

Termination

You can stop using our services at any time by closing your account. We reserve the right to suspend or terminate your access if you violate these terms or engage in conduct we determine is harmful to other users or our platform.

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

Governing Law and Disputes

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

Before initiating any formal legal proceedings, we encourage you to contact us to try to resolve the issue informally. Most concerns can be addressed through direct communication.

General Provisions

Entire Agreement

These Terms of Use, along with our Privacy Policy and any additional terms specific to certain services, constitute the entire agreement between you and glorianevio regarding your use of our platform.

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 continue in full effect.

Assignment

You may not transfer or assign your rights or obligations under these terms without our written consent. We may assign our rights and obligations to any party at any time without restriction.