By accessing or using velqorinaet's website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and velqorinaet Financial Services Pty Ltd.

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any modifications constitutes acceptance of the updated terms.

velqorinaet provides financial forecasting and budgeting tools, educational resources, and related services designed to help individuals and businesses better understand and manage their financial planning. Our platform includes web-based applications, educational content, and learning programs.

We strive to provide accurate and up-to-date information, but we make no guarantees about the completeness, reliability, or accuracy of our content. All financial information and educational materials are provided for informational purposes only and should not be considered as professional financial advice.

• Interactive budgeting and forecasting tools
• Educational resources and learning materials
• User account management and progress tracking
• Community features and discussion forums
• Customer support and technical assistance

As a user of our platform, you agree to use our services responsibly and in accordance with all applicable laws and regulations. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree not to misuse our services or help anyone else do so. This includes not attempting to access our services through unauthorized means, not disrupting the services, and not using our platform for any illegal or harmful activities.

You are responsible for ensuring that any information you provide to us is accurate and current. This includes contact information, financial data entered into our tools, and any other personal or business information shared through our platform.

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable Australian privacy laws, including the Privacy Act 1988. By using our services, you consent to our collection and use of your information as described in our Privacy Policy.

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure.

All content, features, and functionality on our platform, including but not limited to text, graphics, logos, software, and educational materials, are owned by velqorinaet Financial Services Pty Ltd or our licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our services for your personal or internal business purposes. This license does not include any rights to reproduce, distribute, or create derivative works from our content without our express written permission.

• Educational content and course materials remain our property
• User-generated content may be used by us to improve our services
• Trademarks and logos may not be used without permission
• Software and applications are licensed, not sold

Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure. Your use of our services is at your own risk.

To the maximum extent permitted by law, velqorinaet Financial Services Pty Ltd shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. This includes but is not limited to loss of profits, data, or business opportunities.

We make no representations about the accuracy or completeness of historical financial data or the likelihood of future financial outcomes based on our tools and projections.

To access certain features of our platform, you may need to create an account. You are responsible for choosing a strong password and maintaining the security of your account. Notify us immediately if you suspect any unauthorized use of your account.

We reserve the right to suspend or terminate accounts that violate these terms or engage in activities that could harm our platform or other users. Account termination may result in the loss of access to your data and any purchased services.

You may close your account at any time by contacting our customer support team. Upon account closure, we will deactivate your access and, upon request, delete your personal information in accordance with our data retention policies and legal obligations.

These Terms of Use are governed by the laws of New South Wales, Australia. 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.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable. Our failure to enforce any right or provision in these terms will not constitute a waiver of such right or provision.