Welcome to morivexario. These terms govern your use of our emergency fund planning services and educational resources. By accessing our website and services, you're agreeing to these terms in full.
We've written this document to be as straightforward as possible, but if anything's unclear, reach out to us at support@morivexario.com. We're here to help.
1. Acceptance and Scope
These terms apply to all users of morivexario.com, including visitors, registered users, and participants in our learning programs. When you use our services, you confirm that you're at least 18 years old and capable of entering into binding agreements under Australian law.
Our services are designed specifically for individuals seeking to build emergency funds and improve their financial preparedness. The guidance we provide is educational and should not be considered personal financial advice tailored to your specific circumstances.
Important: If you disagree with any part of these terms, please discontinue use of our services immediately.
2. Services and Educational Content
What We Offer
morivexario provides educational resources, planning tools, and learning programs focused on emergency fund planning. Our content includes articles, calculators, worksheets, and structured courses designed to help you understand and implement sound financial practices.
We update our materials regularly to reflect current financial practices and economic conditions relevant to the Australian market. However, financial circumstances change, and information that was accurate when published may become outdated.
Educational Nature
Everything we provide is educational in nature. We don't offer personal financial advice, investment recommendations, or guarantees about financial outcomes. Your financial situation is unique, and you should consult with qualified financial advisors before making significant financial decisions.
We Provide
General educational content, planning frameworks, tools for self-assessment, and structured learning programs
We Don't Provide
Personal financial advice, investment management, tax advice, or legal recommendations
3. User Responsibilities
When you use our services, you agree to:
- Provide accurate information when registering or using our tools and calculators
- Maintain the security and confidentiality of your account credentials
- Use our services only for lawful purposes and in accordance with these terms
- Respect the intellectual property rights in all our content and materials
- Not attempt to disrupt or interfere with the proper functioning of our services
- Not use our services to distribute harmful content or engage in fraudulent activities
You're responsible for all activities that occur under your account. If you suspect unauthorized access, notify us immediately at support@morivexario.com.
4. Intellectual Property
All content on morivexario.com, including text, graphics, logos, calculators, and course materials, is owned by morivexario or our licensors and protected by Australian and international copyright laws.
Your Usage Rights
We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes. You may download materials for your own learning, but you cannot redistribute, modify, or use them commercially without written permission.
What You Can't Do
You may not copy our content for commercial purposes, remove copyright notices, create derivative works without permission, or use our materials in ways that compete with our services.
5. Payment Terms for Learning Programs
Some of our educational programs require payment. When you enroll in a paid program, you agree to pay all fees according to the pricing and payment terms presented at the time of purchase.
All fees are in Australian Dollars (AUD) and include GST where applicable. Prices may change, but we'll always notify existing users before applying new rates to their accounts.
Refund Policy
If you're not satisfied with a paid program, you may request a refund within 14 days of purchase, provided you haven't completed more than 25% of the course content. Refund requests should be sent to support@morivexario.com with your order number and reason for the request.
We process refunds within 10 business days of approval. Some payment processing fees may not be refundable.
6. Privacy and Data Protection
We take your privacy seriously. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these terms. By using our services, you consent to our data practices as described in that policy.
We collect information you provide directly, such as when you register or use our calculators, and some information automatically, like how you interact with our site. This helps us improve our services and provide more relevant content.
Data Security
We implement reasonable security measures to protect your information, but no system is completely secure. You're responsible for maintaining the confidentiality of your account credentials.
7. Disclaimers and Limitations
Our services are provided "as is" without warranties of any kind, express or implied. We don't guarantee that our services will be uninterrupted, error-free, or completely secure.
Financial Outcomes
We make no guarantees about financial results you may or may not achieve by using our services. Building an emergency fund depends on numerous factors including your income, expenses, discipline, and economic conditions beyond our control.
Liability Limitations
To the maximum extent permitted by Australian law, morivexario and its directors, employees, and affiliates are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.
Our total liability for any claim related to our services is limited to the amount you paid us in the 12 months before the claim arose, or $100 AUD, whichever is greater.
Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under Australian consumer law.
8. Third-Party Services and Links
Our website may contain links to third-party websites or services that we don't own or control. We're not responsible for the content, privacy policies, or practices of any third-party sites.
When you access third-party services through our site, you do so at your own risk. We recommend reviewing the terms and privacy policies of any external services you use.
9. Account Termination
You can stop using our services at any time by closing your account through your account settings or by contacting us. If you close a paid account, you'll retain access until the end of your current billing period, but we don't provide prorated refunds for early cancellation.
Our Right to Terminate
We reserve the right to suspend or terminate your access if you violate these terms, engage in fraudulent activity, or use our services in ways that harm other users or our business. We'll typically provide notice before termination unless immediate action is necessary.
10. Changes to Terms
We may update these terms occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.
Your continued use of our services after changes become effective means you accept the revised terms. If you don't agree with the changes, you should stop using our services.
11. Dispute Resolution
If you have a concern about our services, please contact us first at support@morivexario.com. We'll work with you to resolve most issues informally.
Governing Law
These terms are governed by the laws of the Australian Capital Territory and the Commonwealth of Australia. Any disputes that can't be resolved informally will be subject to the exclusive jurisdiction of the courts in Canberra, ACT.
Consumer Rights
Nothing in these terms affects your rights under the Australian Consumer Law, including your rights relating to consumer guarantees that cannot be excluded.
12. General Provisions
If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect. Our failure to enforce any right or provision doesn't constitute a waiver of that right.
These terms constitute the entire agreement between you and morivexario regarding our services and supersede any prior agreements. You can't assign or transfer your rights under these terms without our written consent.
Contact Information
For questions about these terms, contact us at:
morivexario
Level 9, Nishi Building
2 Phillip Law St
Canberra ACT 2601
Australia
Email: support@morivexario.com
Phone: +61 428 411 421