Agreement to Terms

By accessing solvynteriq's website at solvynteriq.com, you're entering into a binding agreement with us. If any part of these terms doesn't sit right with you, please don't use our services. We've tried to keep things straightforward, but legal documents need precision.

These terms apply to everyone who visits our site, whether you're browsing our educational content, considering our financial accountability methods, or actively participating in our learning programs. Your use of our platform indicates you've read and accepted these conditions.

Our Services and Educational Content

solvynteriq provides educational resources focused on financial accountability methods. Our content includes articles, guides, learning materials, and structured programs designed to help individuals develop better financial habits and understanding.

Our learning programs starting in mid-2026 will include structured curriculum, assessment opportunities, and practical exercises. Enrollment details and specific program terms will be provided separately when you register.

User Accounts and Registration

Some features require creating an account. When you register, you're responsible for maintaining the confidentiality of your login credentials. Don't share your password or let others access your account.

Account Requirements

• You must be at least 18 years old to create an account
• Provide accurate and current information during registration
• Update your details if anything changes
• Notify us immediately if you suspect unauthorized access
• You're liable for activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these terms, show suspicious activity, or remain inactive for extended periods. You can close your account anytime by contacting us directly.

Acceptable Use Policy

Our platform exists to support genuine learning and financial education. We expect users to engage respectfully and honestly with our content and community.

Prohibited Activities

You agree not to:

• Use our services for any unlawful purpose or to violate Australian regulations
• Attempt to gain unauthorized access to our systems, servers, or databases
• Distribute malware, viruses, or other harmful code through our platform
• Scrape, harvest, or collect user information without explicit permission
• Impersonate solvynteriq staff, other users, or any third party
• Interfere with other users' ability to access or enjoy our services
• Use automated systems or bots to access our content without authorization
• Reproduce, distribute, or sell our educational materials without written consent

Violations can result in immediate account termination and potential legal action if warranted.

Intellectual Property Rights

Everything you see on solvynteriq.com – the content, design, graphics, text, software, and overall presentation – belongs to solvynteriq or our licensors. Australian and international copyright laws protect these materials.

You can access and use our content for personal educational purposes. Printing articles for your own reference is fine. But republishing, selling, or distributing our materials crosses the line. If you want to use our content in ways beyond personal learning, contact us first.

User-Generated Content

If you post comments, questions, or other content on our platform, you retain ownership of what you create. However, you grant us a license to use, display, and distribute that content as part of operating our service.

Content Standards

Any content you contribute must:

• Be accurate to the best of your knowledge
• Respect others' privacy and intellectual property
• Avoid defamatory, offensive, or inappropriate material
• Comply with applicable Australian laws and regulations

We don't actively monitor all user content, but we reserve the right to remove anything that violates these standards or makes other users uncomfortable. You're responsible for backing up any content you create – we're not obligated to store it indefinitely.

Payment Terms and Refunds

Some of our services require payment. When you enroll in paid programs, you'll receive clear pricing information before completing your purchase. All fees are in Australian dollars unless specified otherwise.

Payment Processing

We work with third-party payment processors who handle your financial information securely. By making a purchase, you authorize us to charge the payment method you provide for the agreed amount.

Refund Policy

Educational services are tricky when it comes to refunds. Once you've accessed course materials, we can't really take that knowledge back. Our specific refund policy will be detailed in individual program terms, but generally:

• Technical issues on our end warrant full refunds
• Changed your mind before accessing materials? We'll work with you
• Already worked through half the course? That gets complicated
• Each situation gets individual consideration based on fairness

Privacy and Data Protection

We collect and use your personal information as described in our separate Privacy Policy. By using our services, you consent to our data practices as outlined in that document.

We comply with the Australian Privacy Principles and take data protection seriously. Your information helps us provide better educational experiences and improve our services, but we don't sell your data to third parties.

Disclaimers and Limitations

Educational Limitations

solvynteriq provides financial education, not financial advice. We're not licensed financial advisers, accountants, or investment professionals. Our content offers general educational information that shouldn't replace personalized professional guidance.

Individual financial situations vary enormously. What works for one person might be completely inappropriate for another. Always consider your specific circumstances and consult qualified professionals for advice tailored to your situation.

Liability Limitations

To the maximum extent permitted by Australian law, we're not liable for:

• Financial decisions you make based on our educational content
• Indirect, consequential, or incidental damages from using our services
• Loss of profits, data, or business opportunities
• Service interruptions, technical failures, or content errors
• Actions of third parties or external websites we link to

Nothing in these terms excludes guarantees or warranties that Australian law doesn't allow us to exclude. Consumer protection laws still apply.

Third-Party Links and Services

Our website might link to external resources, tools, or partner services. We provide these links for convenience, but we don't control or endorse those third-party sites. When you click through to another website, their terms and policies apply instead of ours.

We're not responsible for the content, accuracy, or practices of external sites. Use your judgment and review their terms before engaging with third-party services.

Modifications to Service and Terms

We update our services regularly as we develop new content and improve existing features. We might also need to modify these terms occasionally to reflect changes in our practices or legal requirements.

When we make significant changes, we'll notify you through email or a prominent notice on our website. Continued use of our services after changes take effect means you accept the updated terms. If you disagree with modifications, stop using our platform and contact us to close your account.

Termination Rights

Either party can terminate this agreement. You can stop using our services and close your account whenever you want. We can suspend or terminate your access if you violate these terms, engage in prohibited activities, or if required by law.

Effects of Termination

When your account closes:

• You lose access to paid content and enrolled programs
• Outstanding payments remain due
• We may retain certain information as required by law
• Provisions regarding intellectual property and liability survive termination

Dispute Resolution

If something goes wrong, let's talk about it first. Most issues can be resolved through direct communication. Contact our support team and we'll work with you to find a reasonable solution.

For disputes that can't be resolved informally, both parties agree to attempt mediation before pursuing legal action. If mediation fails, disputes will be handled under the laws of Queensland, Australia, and you consent to the jurisdiction of Queensland courts.

General Provisions

Entire Agreement

These terms, along with our Privacy Policy and any program-specific agreements, constitute the complete agreement between you and solvynteriq regarding your use of our services.

Severability

If any provision proves unenforceable, the rest of these terms remain in effect. We'll replace invalid provisions with enforceable terms that best reflect the original intent.

No Waiver

Our failure to enforce any right or provision doesn't constitute a waiver of that right. We might choose not to act in specific situations while preserving our ability to enforce terms in the future.

Assignment

You can't transfer your rights or obligations under these terms without our written consent. We may assign our rights and obligations to another entity, particularly in the event of a merger, acquisition, or sale of assets.