Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using our website and services, you:

• Acknowledge that you have read and understood these Terms
• Agree to be legally bound by these Terms and our Privacy Policy
• Represent that you are at least 18 years of age
• Have the legal capacity to enter into this agreement
• Will comply with all applicable laws and regulations

2. Description of Services

2.1 Our Services Include:

• Educational Content: Investment courses, articles, guides, and resources
• Online Platform: Access to our learning management system and materials
• Communications: Newsletters, market updates, and educational content
• Consultations: One-on-one mentoring and guidance sessions
• Community Access: Forums, webinars, and group sessions

2.2 Nature of Services

Our services are purely educational and informational. We provide:

• General education about investment principles and strategies
• Information about Australian financial markets and regulations
• Tools and resources for investment decision-making
• Historical data and case studies for learning purposes

3. Important Disclaimers

3.1 Not Financial Advice

Our services do not constitute financial, investment, tax, or legal advice. All content is provided for educational purposes only. You should:

• Consult with qualified financial advisors before making investment decisions
• Consider your personal financial situation and objectives
• Understand that past performance does not guarantee future results
• Acknowledge that all investments carry risk of loss

3.2 No Guarantee of Results

We make no representations or warranties regarding:

• Investment returns or performance
• Success in achieving financial goals
• Accuracy of market predictions or analysis
• Suitability of strategies for your specific situation

3.3 Risk Warning

Investing involves substantial risk of loss. You should be aware that:

• Markets are volatile and unpredictable
• You may lose some or all of your invested capital
• Past performance is not indicative of future results
• Different strategies have different risk profiles

4. User Accounts and Responsibilities

4.1 Account Creation

To access certain services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

4.2 Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You will not:

• Violate any applicable laws or regulations
• Impersonate any person or entity
• Share your account credentials with others
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use our services for commercial purposes without permission
• Upload or transmit malicious code or harmful content

4.3 Prohibited Activities

The following activities are strictly prohibited:

• Reproducing, distributing, or selling our content without permission
• Creating derivative works from our materials
• Reverse engineering our software or systems
• Using automated tools to access or scrape our website
• Posting offensive, defamatory, or inappropriate content
• Soliciting other users for commercial purposes

5. Intellectual Property

5.1 Our Content

All content on our website and in our services, including but not limited to:

• Text, graphics, images, videos, and audio
• Software, code, and technical specifications
• Course materials, presentations, and resources
• Trademarks, logos, and brand elements
• Design, layout, and user interface

is owned by us or our licensors and protected by intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our services for personal, non-commercial purposes
• Download and view content for your own learning
• Print reasonable portions for personal study

This license does not permit you to:

• Modify, adapt, or create derivative works
• Distribute, sublicense, or transfer the content
• Use the content for commercial purposes
• Remove copyright or proprietary notices

5.3 User Content

By submitting content to our platform (comments, questions, feedback), you:

• Retain ownership of your content
• Grant us a non-exclusive right to use, display, and distribute it
• Represent that you have the right to share the content
• Agree that your content will not violate any laws or third-party rights

6. Payment and Refund Policy

6.1 Fees and Payment

• Fees for paid services are clearly displayed before purchase
• All fees are in Australian Dollars unless otherwise specified
• Payment is due at the time of purchase
• We accept major credit cards and other specified payment methods
• Prices may change with reasonable notice

6.2 Refund Policy

We offer refunds in accordance with Australian Consumer Law:

• 30-day money-back guarantee for course purchases if you're not satisfied
• Partial refunds may be available for unused portions of services
• No refund for downloadable content that has been accessed
• Refund requests must be submitted within the specified timeframe
• Processing time for approved refunds is 5-10 business days

6.3 Subscription Services

• Subscriptions automatically renew unless cancelled
• You can cancel your subscription at any time
• Cancellation takes effect at the end of the current billing period
• No refunds for partial subscription periods unless required by law

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our services, you also agree that:

• We may collect and use your information as described in our Privacy Policy
• You will provide accurate and up-to-date information
• You understand how we use cookies and tracking technologies
• You consent to receiving communications from us as specified

8. Limitation of Liability

8.1 Disclaimer of Warranties

To the maximum extent permitted by law, our services are provided "as is" and "as available" without warranties of any kind, including:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness
• Warranties that services will be uninterrupted or error-free
• Warranties regarding security or absence of viruses

8.2 Limitation of Liability

To the maximum extent permitted by Australian law:

• Our total liability to you is limited to the amount you paid for services in the 12 months preceding the claim
• We are not liable for indirect, incidental, special, or consequential damages
• We are not liable for loss of profits, data, or business opportunities
• We are not liable for damages arising from investment decisions based on our educational content

8.3 Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any consumer rights under Australian Consumer Law that cannot be excluded, restricted, or modified.

9. Indemnification

You agree to indemnify, defend, and hold harmless ImBigeuony, its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your infringement of third-party rights
• Investment decisions made based on our educational content

10. Termination

10.1 Termination by You

You may terminate your account and stop using our services at any time by:

• Contacting us to close your account
• Cancelling any active subscriptions
• Ceasing to use our services

10.2 Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice, if:

• You violate these Terms
• You engage in prohibited activities
• Your account shows signs of unauthorized access
• We suspect fraudulent or illegal activity
• Required by law or regulatory authorities

10.3 Effect of Termination

Upon termination:

• Your right to access our services immediately ceases
• We may delete your account and associated data
• Outstanding payment obligations remain in effect
• Provisions that should survive termination will continue to apply

11. Changes to Terms

We may update these Terms from time to time to reflect:

• Changes in our services or business practices
• Legal or regulatory requirements
• Security or technical considerations
• User feedback and operational improvements

11.1 Notification of Changes

We will notify you of material changes by:

• Updating the "last updated" date on these Terms
• Sending email notifications to registered users
• Posting prominent notices on our website
• Requiring acceptance of new terms for continued access

11.2 Your Options

If you do not agree to the updated Terms:

• You should discontinue using our services
• You may terminate your account
• Continued use constitutes acceptance of the new Terms

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia, without regard to conflict of law principles.

12.2 Jurisdiction

Any disputes arising out of or related to these Terms will be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

12.3 Dispute Resolution Process

Before initiating legal proceedings, we encourage you to:

• Contact us directly to resolve the issue
• Participate in good faith negotiations
• Consider mediation or alternative dispute resolution

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy and any other referenced policies, constitute the entire agreement between you and ImBigeuony regarding the use of our services.

13.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

13.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

13.4 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations without restriction.

13.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

14. Contact Information

If you have questions about these Terms of Service, please contact us: