Terms of Use

Effective Date: January 15, 2025

These terms govern your use of krenivox's financial decision-making services and educational resources. By accessing our website and services, you agree to be bound by these terms.

1. Acceptance and Scope

By accessing krenivox.com or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms apply to all visitors, users, and others who access or use our service.

Our platform provides educational resources and tools to help individuals make informed financial decisions. We do not provide financial advice, and all content is for educational purposes only.

Important: If you disagree with any part of these terms, you may not access our service or use our resources.

2. User Responsibilities and Conduct

When using our services, you agree to:

Account Management

  • Provide accurate and complete information when creating an account
  • Keep your login credentials secure and confidential
  • Notify us immediately of any unauthorized access to your account
  • Update your information promptly when changes occur

Acceptable Use

You may not use our platform to:

  • Distribute malicious software or harmful content
  • Attempt to gain unauthorized access to our systems
  • Share copyrighted materials without permission
  • Engage in harassment or abusive behavior toward other users
  • Use automated systems to scrape or collect data from our platform

3. Service Description and Limitations

krenivox provides educational resources focused on financial decision-making skills. Our services include online learning modules, interactive tools, and community forums designed to enhance your understanding of personal and business finance.

Educational Nature Disclaimer

Our content is purely educational and should not be construed as professional financial advice. We strongly recommend consulting with qualified financial advisors before making significant financial decisions.

Service Availability

While we strive to maintain consistent service availability, we cannot guarantee uninterrupted access. Scheduled maintenance, technical issues, or other circumstances may temporarily affect service availability.

4. Intellectual Property Rights

All content on our platform, including text, graphics, logos, images, audio clips, and software, is owned by krenivox or our content suppliers and is protected by Australian and international copyright laws.

Permitted Use

You may access and use our content for personal, non-commercial educational purposes. This includes:

  • Viewing and downloading materials for personal study
  • Printing single copies of resources for personal reference
  • Sharing links to our content with attribution

Prohibited Activities

  • Reproducing, distributing, or selling our content without written permission
  • Modifying or creating derivative works from our materials
  • Removing copyright notices or proprietary markings
  • Using our content for commercial purposes without authorization

5. 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 forms part of these terms.

Data Collection and Use

We collect information you provide directly, such as when you create an account, participate in courses, or contact us for support. We also automatically collect certain information about your device and how you interact with our service.

Data Security

We implement appropriate technical and organizational 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.

6. Disclaimers and Limitation of Liability

Important Legal Disclaimer

The information provided on our platform is for educational purposes only and should not be considered as financial, investment, or legal advice.

Service Disclaimers

  • Our services are provided "as is" without warranties of any kind
  • We do not guarantee that our service will meet your specific requirements
  • We make no warranties about the accuracy or completeness of content
  • We disclaim all liability for decisions made based on our educational content

Limitation of Liability

To the maximum extent permitted by law, krenivox shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services, even if we have been advised of the possibility of such damages.

7. Termination and Account Suspension

We reserve the right to terminate or suspend your account and access to our services at our sole discretion, without prior notice, for conduct that we believe violates these terms or is harmful to other users or our business.

Grounds for Termination

  • Violation of these Terms of Use
  • Fraudulent or illegal activity
  • Abuse of our systems or other users
  • Extended periods of inactivity
  • Non-payment of fees (where applicable)

Effect of Termination

Upon termination, your right to access and use our services will cease immediately. We may retain certain information as required by law or for legitimate business purposes.

8. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of the Australian Capital Territory, Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts in Canberra, ACT.

Dispute Resolution Process

  1. Initial contact: Contact us directly to attempt resolution
  2. Mediation: If direct resolution fails, we encourage mediation
  3. Legal proceedings: As a last resort, disputes may proceed to court
Consumer Rights: Nothing in these terms limits your rights under Australian Consumer Law, including rights to refunds and remedies for faulty services.

9. Changes to Terms

We may modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. When we make changes, we will update the effective date and notify users through appropriate channels.

Notification Methods

  • Email notification to registered users
  • Prominent notice on our website
  • In-platform notifications for active users

Your continued use of our services after the effective date of any changes constitutes acceptance of the modified terms. If you do not agree to the changes, you should discontinue use of our services.

Questions About These Terms?

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

Address: 6 Smart Pl, Evatt, ACT, 2617, Australia

Phone: +61 8 9409 4172

Email: contact@krenivox.com

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