1. Acceptance and Agreement

When you access screnavolex.com or participate in any of our programs, you accept these terms in full. If something here doesn't sit right with you, we'd recommend not using our services. We update these terms occasionally to reflect changes in our offerings or legal requirements. The date at the top tells you when we last made changes.

Continuing to use our site after we update these terms means you accept the new version. We'll do our best to notify you about significant changes, but it's worth checking back here from time to time.

2. Educational Services and Programs

screnavolex provides financial education through various learning formats. Our programs are designed to build genuine understanding of financial concepts and organizational skills. These are educational services, not financial advice or guarantees of specific outcomes.

Program Enrollment

Most of our comprehensive programs have start dates in the latter half of 2025 and into 2026. When you enroll, you're committing to participate actively in the learning process. We expect students to engage with materials, complete assignments, and respect the learning environment we've built.

• Program dates and schedules may change with reasonable notice to enrolled students
• You're responsible for meeting technical requirements to access online materials
• Course materials remain our intellectual property and cannot be redistributed
• Participation requires adherence to our community standards and respectful interaction

3. User Responsibilities and Conduct

You agree to use our services responsibly and legally. This seems obvious, but it's worth stating clearly. Your account is your responsibility. Keep your login credentials secure and don't share access with others.

1. Provide accurate information when registering or enrolling in programs
2. Maintain confidentiality of your account credentials and notify us immediately of any unauthorized access
3. Respect intellectual property rights of all course materials and content
4. Engage respectfully with instructors and fellow students
5. Use services only for lawful, educational purposes
6. Not attempt to disrupt, damage, or interfere with our website functionality

4. Intellectual Property Rights

Everything you see on our site—the content, design, course materials, videos, written guides—belongs to screnavolex. We've put considerable effort into creating these resources, and they're protected by copyright and other intellectual property laws.

You're welcome to use our materials for your personal learning. You can take notes, reference concepts in your own work, and apply what you've learned. What you can't do is copy, redistribute, sell, or republish our content without written permission. This includes sharing course access with non-enrolled individuals.

5. Payment Terms and Refunds

When programs have associated fees, payment is required before or at enrollment. We'll always be clear about costs upfront. Prices are in Australian dollars and include GST where applicable.

Refund Policy

Our refund policy varies by program type and timing. Generally, if you withdraw before a program begins, you're eligible for a refund minus administrative costs. Once a program starts, refunds become more limited. We'll provide specific refund terms when you enroll.

If you're uncertain about a program, reach out to us first. We'd rather answer questions upfront than process refunds later.

6. Disclaimers and Limitations

Here's where we need to be particularly clear about what we do and don't promise. Our educational programs aim to build knowledge and skills in financial organization. What we can't guarantee are specific financial outcomes, income levels, or career results.

• Educational content is current as of publication but financial concepts and regulations evolve
• Individual results from applying learned concepts will vary based on numerous factors
• We do not provide personal financial advice or investment recommendations
• Course completion does not constitute professional certification unless explicitly stated

Our services are provided "as is" to the extent permitted by Australian consumer law. While we maintain high standards for our educational content, we can't guarantee uninterrupted access or error-free materials. Technology sometimes fails, and when it does, we work quickly to resolve issues.

7. Privacy and Data Protection

We collect and use personal information as described in our Privacy Policy. By using our services, you consent to this collection and use. We take data protection seriously and comply with Australian privacy laws.

Your learning progress, course interactions, and communications with us generate data. We use this to improve our programs and provide you with relevant support. We don't sell your personal information to third parties.

8. Termination and Suspension

Either party can terminate this agreement. You can stop using our services at any time. We can suspend or terminate your access if you breach these terms, though we'd typically warn you first unless the violation is severe.

If we discontinue a program you're enrolled in, we'll either provide access to equivalent content or offer appropriate refunds. We don't anticipate doing this, but circumstances can change.

9. Liability Limitations

To the maximum extent permitted by law, screnavolex is not liable for indirect, incidental, or consequential damages arising from your use of our services. This includes lost profits, data loss, or business interruption.

Our total liability to you for any claims related to our services is limited to the amount you've paid us in the twelve months before the claim arose. Nothing in these terms excludes liability that cannot be excluded under Australian consumer law.

10. Governing Law

These terms are governed by the laws of Tasmania, Australia. Any disputes will be subject to the exclusive jurisdiction of Tasmanian courts. We hope it never comes to that, but it's important to establish the legal framework.

11. Changes to Services

We may modify, suspend, or discontinue any aspect of our services at any time. This might happen because we're improving things, responding to user feedback, or adapting to new educational approaches. When changes affect enrolled students, we'll communicate them clearly.

12. Third-Party Services

Our website may link to external resources or integrate third-party tools for enhanced functionality. We're not responsible for these external services or their content. When you follow a link away from screnavolex.com, that site's terms and policies apply instead of ours.