Acceptance of Terms

By accessing or using vionareluthis's website, services, or educational materials located at vionareluthis.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and vionareluthis, a financial education company operating from Edmonton, Alberta, Canada.

If you do not agree with any part of these terms, you must immediately discontinue use of our services. Your continued use of our platform constitutes acceptance of any updates or modifications to these terms.

Description of Services

vionareluthis provides educational content, courses, and resources focused on financial literacy, business marketing strategies, and related educational topics. Our services include but are not limited to:

• Online educational courses and workshops
• Written educational materials and resources
• Email newsletters and educational communications
• Access to learning management systems and educational tools
• Community forums and discussion platforms

Educational Nature of Content

All content provided by vionareluthis is strictly educational and informational. We do not provide financial advice, investment recommendations, or guarantee specific outcomes. Our materials are designed to enhance your understanding of financial concepts and business strategies through education.

User Eligibility and Registration

To access certain features of our platform, you must create an account and provide accurate, complete information. You must be at least 18 years of age or have parental consent to use our services. By registering, you warrant that all information you provide is truthful and accurate.

Account Responsibilities

• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorized use of your account
• Take responsibility for all activities that occur under your account
• Provide accurate and current contact information

Acceptable Use Policy

You agree to use our services only for lawful purposes and in accordance with these Terms of Use. The following activities are strictly prohibited:

• Sharing, distributing, or reproducing copyrighted materials without permission
• Attempting to gain unauthorized access to our systems or other users' accounts
• Using our platform to transmit harmful, offensive, or illegal content
• Interfering with or disrupting our services or servers
• Creating multiple accounts to circumvent access restrictions
• Using automated tools to access or scrape our content

Intellectual Property Rights

All content on our platform, including but not limited to text, graphics, logos, images, audio clips, video content, and software, is the property of vionareluthis or its content suppliers and is protected by Canadian and international copyright laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials solely for personal, non-commercial educational purposes. This license does not permit you to:

• Modify, copy, distribute, or create derivative works
• Reverse engineer or attempt to extract source code
• Remove copyright or proprietary notices
• Use content for commercial purposes without written permission

Payment Terms and Refunds

Certain services may require payment of fees. All prices are listed in Canadian dollars unless otherwise specified. Payment must be made in advance using our accepted payment methods.

Refund Policy

We offer refunds within 30 days of purchase for most educational courses, subject to certain conditions. Refund requests must be submitted in writing to our customer service team. Digital downloads and accessed course materials may affect refund eligibility.

Subscription services may be cancelled at any time, but no refunds will be provided for partial subscription periods unless required by applicable law.

Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy. We may use your information to provide services, improve our platform, and communicate with you about educational opportunities.

Disclaimers and Limitation of Liability

Our educational services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or meet your specific requirements.

Limitation of Liability

To the fullest extent permitted by law, vionareluthis shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount paid by you for the specific service that gave rise to the claim.

Termination

Either party may terminate this agreement at any time. We reserve the right to suspend or terminate your access to our services immediately, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties.

Upon termination, your right to use our services ceases immediately. Provisions that by their nature should survive termination, including intellectual property rights, disclaimers, and limitation of liability, shall remain in effect.

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Province of Alberta, Canada, without regard to conflict of law principles. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Edmonton, Alberta, Canada.

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting on our website. We will notify users of significant changes via email or prominent notice on our platform.

Your continued use of our services after changes are posted constitutes acceptance of the revised terms. We encourage you to review these terms periodically to stay informed of any updates.