Acceptance of Terms

Your use of norvialent's website and services constitutes acceptance of these Terms of Use. If you don't agree with any part of these terms, you shouldn't use our website or services. We reserve the right to modify these terms at any time, and continued use after changes indicates your acceptance of the updated terms.

These terms apply to all visitors, registered users, and anyone who accesses our content or services. Some features may have additional terms or requirements, which we'll communicate clearly when you access those specific services.

Description of Services

norvialent provides financial analysis, educational resources, and industry insights focused on Australian and international markets. Our services include research reports, educational articles, learning programs, and analytical tools designed to support financial literacy and informed investment understanding.

Educational Content

Our educational materials cover various aspects of financial analysis, market research, and investment principles. These resources are designed for learning purposes and shouldn't be considered personalized financial advice. We don't provide recommendations for specific investments or guarantee any particular outcomes from using our materials.

Analysis and Research

We publish research and analysis based on publicly available information, market data, and our professional assessment. While we strive for accuracy, financial markets are complex and unpredictable. Our analysis represents our professional opinion at the time of publication and shouldn't be viewed as a guarantee of future performance.

User Responsibilities and Conduct

When using our services, you agree to use them responsibly and in accordance with applicable laws. You're responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

• Provide accurate information when creating an account or submitting inquiries
• Respect intellectual property rights and don't reproduce our content without permission
• Maintain professional conduct when interacting with our team or other users
• Report any security vulnerabilities or suspicious activities you discover
• Keep your account information current and notify us of any unauthorized use
• Don't attempt to scrape, copy, or systematically download our content for commercial purposes

We reserve the right to suspend or terminate accounts that violate these terms or engage in activities that harm our services or other users. Account termination doesn't eliminate your obligations for activities that occurred while your account was active.

Intellectual Property Rights

All content on norvialent's website, including text, graphics, logos, data compilations, and software, is our property or the property of our content suppliers. This content is protected by Australian and international copyright laws.

Permitted Use

You may access and use our content for personal, non-commercial purposes. You can print or download individual articles for your own reference. However, you can't redistribute, modify, or create derivative works from our content without explicit written permission.

Restrictions

Don't remove copyright notices, trademarks, or other proprietary markings from any content you access. Commercial use of our content requires a separate licensing agreement. If you're interested in republishing or incorporating our research into commercial materials, contact us to discuss licensing options.

Disclaimers and Limitations

Our content is provided for educational and informational purposes. We don't provide personalized financial advice, and nothing on our website should be interpreted as a recommendation to buy, sell, or hold any security or investment.

We provide our services "as is" without warranties of any kind. While we work hard to ensure accuracy, we don't guarantee that our content is error-free, complete, or current at all times. Market conditions change rapidly, and information that was accurate when published may become outdated.

Limitation of Liability

To the maximum extent permitted by law, norvialent isn't liable for any direct, indirect, incidental, or consequential damages arising from your use of our services or reliance on our content. This includes but isn't limited to financial losses, lost profits, or business interruption.

Some jurisdictions don't allow limitations on implied warranties or limitations of liability for certain types of damages. If these laws apply to you, some of the above limitations may not apply in full.

Privacy and Data Protection

We collect and process personal information in accordance with our Privacy Policy and applicable Australian privacy laws, including the Privacy Act 1988. When you use our services, you consent to the collection and use of your information as described in our Privacy Policy.

Data Collection

We collect information you provide directly, such as when you create an account, subscribe to our newsletter, or contact us with questions. We also collect usage data through cookies and similar technologies to improve our services and understand how users interact with our content.

Data Security

We implement reasonable security measures to protect your personal information. However, no internet transmission is completely secure, and we can't guarantee absolute security. You're responsible for maintaining the security of your account credentials.

Third-Party Links and Services

Our website may contain links to external websites or reference third-party services. These links are provided for convenience, and we don't endorse or assume responsibility for the content, privacy policies, or practices of third-party sites.

When you access third-party websites, you do so at your own risk. We encourage you to review the terms and privacy policies of any external sites you visit. Some third-party services we reference or integrate with may have their own terms of service that apply to your use of those services.

Payment and Subscription Terms

Some of our services require payment or subscription. When you purchase access to premium content or educational programs, you agree to pay the fees specified at the time of purchase. All fees are in Australian dollars unless otherwise stated.

Billing and Renewals

Subscription services automatically renew at the end of each billing period unless you cancel before the renewal date. We'll charge your payment method on file for renewal unless you've cancelled. You're responsible for keeping your payment information current.

Refund Policy

Refund eligibility depends on the specific service purchased. Generally, digital content accessed immediately after purchase isn't refundable. For educational programs with future start dates, we may offer refunds if requested before the program begins. Contact us directly to discuss refund requests for your specific situation.

We reserve the right to change our pricing structure with reasonable notice to existing subscribers. Price changes won't affect your current subscription period but will apply upon renewal.

Content Accuracy and Updates

We make reasonable efforts to provide accurate and current information. Financial data, market analysis, and regulatory information can change frequently. While we update our content regularly, there may be periods when certain information becomes outdated between updates.

If you notice errors or outdated information, we appreciate you bringing it to our attention. However, we're not obligated to update past content unless required by law or unless we determine it's necessary to prevent significant misunderstanding.

Termination and Access Suspension

We reserve the right to suspend or terminate your access to our services if you violate these terms, engage in fraudulent activity, or use our services in ways that could harm our business or other users. We may also suspend access for maintenance, security issues, or legal requirements.

You can terminate your account at any time by contacting us or using account management features where available. Termination doesn't automatically entitle you to refunds for unused subscription periods unless otherwise specified in our refund policy.

Effect of Termination

Upon termination, your right to access our services ends immediately. Provisions regarding intellectual property, disclaimers, limitations of liability, and dispute resolution survive termination. We may retain certain information as required by law or for legitimate business purposes.

Dispute Resolution and Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia, and you agree to submit to the non-exclusive jurisdiction of the courts of New South Wales for resolution of any disputes.

Informal Resolution

Before initiating formal proceedings, we encourage you to contact us to discuss any disputes. Many issues can be resolved through direct communication. We're committed to working with users to address concerns fairly and efficiently.

Formal Proceedings

If informal resolution doesn't work, disputes may be brought before the courts of New South Wales. You agree that any legal action must be commenced within one year after the claim arose, except where prohibited by law.

Modifications to Terms

We may revise these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. We'll update the "Effective Date" at the top of this document when changes occur.

For significant changes, we'll provide notice through our website or by email to registered users. Continued use of our services after changes become effective indicates your acceptance of the modified terms. If you don't agree with the changes, you should stop using our services.

General Provisions

If any provision of these terms is found to be unenforceable, the remaining provisions continue in full effect. Our failure to enforce any right or provision doesn't constitute a waiver of that right or provision.

Assignment

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

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms for specific services, constitute the entire agreement between you and norvialent regarding use of our services. They supersede any prior agreements or understandings.