Terms of Use

1 Acceptance of Terms

By accessing or using jkareniqloex's website and services at jkareniqloex.com, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

These terms constitute a legally binding agreement between you and jkareniqloex, an Australian financial education company. Your continued use of our services indicates your acceptance of these terms and any future modifications.

2 Service Description

jkareniqloex provides financial statement analysis education, training courses, and related educational materials. Our services are designed to help individuals and professionals develop skills in financial analysis and business evaluation.

Educational Services Include:

• Online courses and training materials for financial statement analysis
• Educational resources and downloadable content
• Assessment tools and practice exercises
• Access to educational webinars and presentations
• Course completion certificates where applicable

All educational content is provided for informational and educational purposes only. Our services do not constitute financial advice, investment recommendations, or professional financial consulting.

3 User Accounts and Registration

To access certain features of our services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Requirements:

• You must be at least 18 years old to create an account
• Provide accurate, current, and complete information during registration
• Maintain and update your account information as needed
• Use a secure password and keep login credentials confidential
• Notify us immediately of any unauthorized account use

You agree to accept responsibility for all activities that occur under your account. We reserve the right to refuse service, terminate accounts, or cancel orders at our sole discretion.

4 Acceptable Use and User Conduct

You agree to use our services only for lawful purposes and in accordance with these terms. You are prohibited from using our services in any way that could damage, disable, or impair our platform or interfere with other users' access.

Prohibited Activities:

• Sharing account credentials with unauthorized persons
• Copying, distributing, or reproducing copyrighted materials without permission
• Attempting to gain unauthorized access to our systems or other users' accounts
• Using automated systems or bots to access our services
• Posting or transmitting harmful, offensive, or inappropriate content
• Violating any applicable laws or regulations while using our services

Violation of these conduct rules may result in immediate suspension or termination of your account and access to our services.

5 Intellectual Property and Content Rights

All content provided through our services, including but not limited to text, graphics, logos, images, audio clips, video content, and software, is the property of jkareniqloex or its content suppliers and is protected by Australian and international copyright laws.

User-Generated Content:

If you submit or post content to our platform, you grant jkareniqloex a non-exclusive, royalty-free license to use, modify, and display such content in connection with our services. You represent that you have the right to grant such license and that your content does not violate any third-party rights.

6 Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security of your data.

7 Payment Terms and Refund Policy

Payment for our courses and services is required in advance. We accept major credit cards and other payment methods as indicated on our website. All prices are in Australian Dollars unless otherwise specified.

Refund Policy:

• Refund requests must be submitted within 14 days of purchase
• Refunds may be denied if significant course content has been accessed
• Processing time for approved refunds is typically 5-10 business days
• Refunds will be processed to the original payment method

We reserve the right to change our prices at any time. Price changes will not affect orders already confirmed and paid for.

8 Disclaimers and Educational Purpose

Our courses and materials are designed to provide general education about financial statement analysis. Individual results may vary, and we make no guarantees about career outcomes, employment opportunities, or financial success resulting from our training.

You should always consult with qualified financial professionals before making any financial or investment decisions. jkareniqloex accepts no responsibility for decisions made based on the educational content provided through our services.

9 Limitation of Liability

To the maximum extent permitted by law, jkareniqloex shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business interruption, arising from your use of our services.

Our total liability to you for any claim arising from or relating to these terms or our services shall not exceed the amount you paid to jkareniqloex for the specific service giving rise to the claim.

These limitations apply regardless of the legal theory on which the claim is based and even if we have been advised of the possibility of such damages.

10 Termination of Services

We may terminate or suspend your account and access to our services immediately, without prior notice, if you breach these terms or engage in conduct that we determine to be harmful to our platform or other users.

You may terminate your account at any time by contacting us. Upon termination, your right to use our services will cease immediately, though certain provisions of these terms will survive termination.

Effect of Termination:

• Immediate loss of access to all course materials and services
• Forfeiture of any unused credits or remaining course access
• Continued application of confidentiality and intellectual property provisions

11 General Legal Provisions

These terms are governed by the laws of Queensland, Australia, and any disputes will be resolved in the courts of Queensland. If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full effect.

We may assign these terms or any rights hereunder without your consent. You may not assign these terms or any rights or obligations hereunder without our prior written consent.

These terms constitute the entire agreement between you and jkareniqloex regarding the use of our services and supersede all prior agreements and understandings.