By accessing and using the zarionthavelym website (zarionthavelym.com) and our financial education services, 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 zarionthavelym Financial Services.

If you do not agree with any part of these terms, you must not use our website or services. Your continued use of our platform indicates your acceptance of these terms and any future modifications.

Please note: These terms may be updated from time to time. We will notify users of significant changes through email or prominent website notices.

zarionthavelym provides educational resources and information about personal finance, budgeting, investment concepts, and financial planning. Our services are designed to enhance your financial literacy and understanding of economic principles.

Educational Content

All content provided through our platform is for educational purposes only. We offer:

• Financial literacy courses and workshops
• Educational articles and research materials
• Budgeting tools and calculators
• Investment education and market analysis
• Retirement planning guidance

Our educational programs are scheduled to commence in September 2025, with ongoing enrollment throughout the year. Course materials are developed by qualified financial educators and industry professionals.

As a user of our platform, you agree to use our services responsibly and in accordance with applicable laws. You are responsible for maintaining the confidentiality of your account information.

Prohibited Activities

• Sharing copyrighted educational materials without permission
• Using automated systems to access our content
• Attempting to disrupt or interfere with our services
• Providing false information during registration
• Using our platform for any illegal activities

Users must be at least 18 years of age to create an account and access certain financial education materials. Minors may access general educational content with parental supervision.

All content on the zarionthavelym platform, including but not limited to text, graphics, logos, course materials, and software, is the property of zarionthavelym Financial Services and is protected by Australian and international copyright laws.

You may use our educational materials for personal learning purposes only. Any commercial use, reproduction, or distribution requires written permission from zarionthavelym Financial Services.

User-Generated Content

When you submit comments, questions, or other content to our platform, you grant zarionthavelym a non-exclusive license to use, modify, and display such content for educational purposes.

We are committed to protecting your privacy and handling your personal information in accordance with the Australian Privacy Act 1988 and other applicable privacy laws.

Your personal information is collected to provide educational services, communicate about courses, and improve our platform. We do not sell or share your personal data with third parties for marketing purposes without your consent.

For detailed information about our data collection and usage practices, please review our Privacy Policy, which forms an integral part of these Terms of Use.

zarionthavelym Financial Services provides educational content "as is" without warranties of any kind. We do not guarantee that our services will be uninterrupted, error-free, or meet your specific requirements.

To the maximum extent permitted by law, zarionthavelym shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or educational materials.

Financial Education Disclaimer: Individual financial outcomes depend on numerous factors including market conditions, personal circumstances, and implementation of learned concepts. We cannot guarantee specific results from our educational programs.

Either party may terminate this agreement at any time. zarionthavelym reserves the right to suspend or terminate your access to our services if you violate these terms or engage in activities that may harm our platform or other users.

Upon termination, your right to access our educational materials will cease, though certain provisions of these terms will survive termination, including intellectual property rights and limitation of liability clauses.

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

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