Terms of Service

Last updated: December 15, 2024

1. Agreement to Terms

By accessing and using velastraqon's website (velastraqon.com) and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legal agreement between you and velastraqon ("we," "us," or "our"), a company registered in Australia.

2. Description of Services

velastraqon provides financial literacy education, budgeting tools, business development guidance, and related financial services. Our services include:

• Online budgeting and expense tracking tools
• Financial literacy educational content and resources
• Business development guidance and consultation
• Financial analysis and reporting services
• Portfolio management and investment education

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Provide accurate and complete information when creating an account
• Maintain the confidentiality of your account credentials

You are responsible for all activities that occur under your account.

4. Acceptable Use

Permitted Uses

You may use our services for lawful purposes including:

• Personal financial management and education
• Small business financial planning and development
• Learning about investment principles and strategies
• Accessing financial literacy resources and tools

Prohibited Uses

You agree not to use our services for:

• Any unlawful purpose or in violation of applicable laws
• Transmitting harmful, offensive, or inappropriate content
• Attempting to gain unauthorized access to our systems
• Reproducing, distributing, or commercially exploiting our content without permission
• Interfering with other users' use of our services
• Impersonating others or providing false information

5. Financial Information Disclaimer

Important: velastraqon provides educational information and tools but does not provide personalized financial advice unless explicitly stated. Our services are designed for educational and informational purposes.

No Guarantees

We make no guarantees, warranties, or representations about:

• The accuracy or completeness of financial information provided
• Investment returns or financial outcomes
• The suitability of any financial strategy for your specific situation
• Market performance or economic conditions

Professional Advice

For specific financial, legal, or tax advice, consult with qualified professionals licensed in your jurisdiction. Our educational content should not replace professional advice tailored to your circumstances.

6. User Content and Data

You retain ownership of any content you submit to our services. By providing content, you grant us a license to use, store, and display it for the purpose of providing our services.

You are responsible for:

• The accuracy of financial information you input
• Maintaining appropriate backups of your data
• Protecting the confidentiality of your financial information
• Complying with applicable privacy and data protection laws

7. Intellectual Property Rights

velastraqon owns or has licensed all intellectual property rights in our services, including:

• Website content, design, and functionality
• Educational materials and resources
• Software tools and applications
• Trademarks, logos, and branding elements

You may not copy, modify, distribute, or create derivative works from our content without explicit written permission.

8. 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 is incorporated into these Terms by reference.

By using our services, you consent to our privacy practices as described in our Privacy Policy.

9. Payment Terms and Refunds

If you purchase paid services:

• Payment is due according to the terms specified at purchase
• All fees are in Australian Dollars unless otherwise specified
• We may offer refunds at our discretion based on our refund policy
• You are responsible for any applicable taxes

10. Limitation of Liability

To the maximum extent permitted by law, velastraqon shall not be liable for:

• Financial losses arising from use of our services or information
• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party actions or content

Our total liability to you shall not exceed the amount you have paid for our services in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold velastraqon harmless from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of applicable laws or regulations
• Content you submit or actions you take using our services

12. Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We may:

• Perform maintenance or updates that temporarily interrupt service
• Modify or discontinue features with reasonable notice
• Suspend access for violations of these Terms
• Limit usage during peak demand periods

13. Security Testing

Security testing of our systems is only permitted with explicit written authorization from velastraqon. Unauthorized testing, including but not limited to penetration testing, vulnerability scanning, or any form of security assessment, is strictly prohibited and may result in legal action.

If you identify security vulnerabilities, please report them responsibly through our designated security contact channels.

14. Termination

Either party may terminate this agreement:

• At any time with reasonable notice
• Immediately for material breach of these Terms
• If required by law or regulation

Upon termination:

• Your access to our services will cease
• You may download your data for a reasonable period
• Provisions regarding liability and intellectual property will survive

15. Governing Law and Jurisdiction

These Terms are governed by the laws of Australia. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of Australian courts.

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

16. Changes to Terms

We may modify these Terms from time to time. Changes will be effective upon posting to our website with an updated revision date.

Significant changes will be communicated through:

• Prominent notice on our website
• Email notification to registered users
• In-app notifications where applicable

Continued use of our services after changes constitutes acceptance of the updated Terms.

17. Contact Information

For questions about these Terms or our services, contact us:

• Email: info@velastraqon.com
• Subject Line: "Terms of Service Inquiry"
• Registration: Australia

18. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and velastraqon regarding the use of our services.

These Terms supersede all prior agreements, understandings, or representations regarding the subject matter herein.