By accessing or using vionetis's financial statement analysis platform, educational content, or related services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms apply to all users, including visitors browsing our educational materials, registered students, and professional subscribers.

We reserve the right to modify these terms at any time. Material changes will be communicated through email notifications to registered users and prominent notices on our website. Your continued use of our services after such modifications constitutes acceptance of the revised terms.

• All users must comply with applicable Australian financial regulations and educational standards
• Professional subscribers have additional obligations regarding client confidentiality and ethical use
• Educational content is provided for learning purposes and should not be considered personalized financial advice
• Commercial use of our educational materials requires separate licensing agreements

Users are expected to engage with our platform professionally and constructively. This includes respecting intellectual property rights, maintaining appropriate conduct in discussion forums, and using our tools responsibly for legitimate educational or professional purposes.

When participating in online discussions, submitting assignments, or using collaborative features, users must maintain professional standards. Harassment, discriminatory language, sharing of confidential information, or attempts to compromise platform security will result in immediate account suspension.

• Provide accurate and current information during registration and profile updates
• Respect intellectual property rights of course materials, case studies, and analytical frameworks
• Use real financial data responsibly and in compliance with privacy regulations
• Maintain professional confidentiality when working with actual company information
• Report technical issues, content errors, or inappropriate behavior promptly

Commercial entities using our platform for employee training must ensure all participating employees understand and comply with these terms. Bulk account administrators are responsible for monitoring usage and ensuring compliance across their organization.

All educational content, analytical frameworks, case studies, software tools, and methodologies provided through vionetis are protected by intellectual property laws. This includes proprietary financial analysis techniques, video lectures, interactive exercises, and assessment materials developed by our team.

Reproduction, distribution, or commercial exploitation of our content without explicit written permission is strictly prohibited. This includes creating competing educational programs based on our methodologies, sharing login credentials to circumvent subscription requirements, or extracting our content for use in other platforms.

• Download course materials for offline study within subscription period
• Print materials for personal reference and note-taking
• Apply learned techniques in professional work environments
• Share insights and general concepts learned through courses in professional discussions
• Use our frameworks as foundation for internal company training with proper licensing

User-generated content submitted through our platform, including forum posts, assignment submissions, and case study analyses, remains your property. However, by submitting such content, you grant vionetis a non-exclusive license to use these materials for educational purposes, including anonymous examples in future courses.

vionetis is committed to protecting user privacy and complying with Australian Privacy Principles and applicable international data protection regulations. We collect and process personal information necessary to provide educational services, track learning progress, and improve our platform.

Personal information is not shared with third parties except as necessary to provide services (such as payment processing) or as required by law. Users have rights to access, correct, or delete their personal data, subject to legitimate business and legal requirements.

• Learning progress and assessment data are stored securely and used to improve course effectiveness
• Communication preferences are respected, and users can opt out of non-essential communications
• Financial information provided for case studies is handled with strict confidentiality protocols
• Account data is retained for reasonable periods to support ongoing learning and compliance requirements

Course fees and subscription charges are clearly displayed during the enrollment process. Payments are processed securely through established payment providers, and all transactions are conducted in Australian dollars unless otherwise specified.

Corporate training packages and customized educational programs have specific cancellation terms outlined in separate agreements. Changes to payment methods or billing information should be made through account settings or by contacting our support team.

• Individual course refunds processed within 14 days of purchase if minimal content accessed
• Subscription cancellations effective at the end of current billing period
• Corporate accounts have customized refund terms based on contract specifications
• Technical issues preventing access to paid content addressed promptly with appropriate compensation

vionetis provides educational content and analytical tools designed to enhance financial analysis skills. However, our services do not constitute professional financial advice, investment recommendations, or guarantees of specific learning outcomes or career advancement.

While we strive for accuracy in all educational materials, financial markets and regulatory environments evolve continuously. Users are responsible for verifying current standards and practices relevant to their specific situations and jurisdictions.

• Course content reflects generally accepted financial analysis principles but may not address all industry variations
• Case studies are based on real scenarios but simplified for educational clarity
• Technology tools provided are educational aids and may not replace professional analytical software
• Career outcomes depend on individual effort, market conditions, and factors beyond our control

vionetis's liability is limited to the amount paid for services. We are not liable for indirect damages, lost opportunities, or consequential losses arising from platform use or educational content application.

Either party may terminate these terms with appropriate notice. Users can close their accounts at any time through account settings, while vionetis reserves the right to suspend or terminate accounts for violations of these terms or inappropriate conduct.

Suspended accounts may be reinstated upon resolution of the issues leading to suspension. Permanent terminations result in loss of all account data, progress records, and access to platform features.

• Voluntary account closure processed within 48 hours of request
• Suspended accounts maintain data integrity pending resolution
• Terminated accounts have personal data handled according to privacy policy requirements
• Outstanding payments remain due regardless of account status changes