1. Acceptance of Terms

By accessing and using lomixaria's website and educational services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our services.

These terms constitute a legally binding agreement between you and lomixaria Pty Ltd, operating from 346 Maitland Vale Rd, Maitland Vale NSW 2320, Australia. Your continued use of our services indicates your ongoing acceptance of these terms and any updates we may make.

2. Educational Services Description

lomixaria provides financial trend recognition education through various formats including online courses, workshops, and educational resources. Our services are designed to enhance your understanding of financial market patterns and analytical techniques.

Service Limitations

3. User Responsibilities and Conduct

As a user of our educational services, you agree to engage responsibly with our platform and community. This includes maintaining professional conduct in all interactions and using our resources appropriately.

Prohibited Activities

4. Payment Terms and Refund Policy

Payment for our educational services is required before accessing course materials. We accept various payment methods as displayed during the enrollment process. All prices are listed in Australian dollars unless otherwise specified.

Refund Conditions

Refund requests must be submitted within 14 days of enrollment and before accessing more than 20% of course content. Refunds are processed within 10 business days and returned to the original payment method. Custom corporate training programs have different refund terms as specified in individual agreements.

5. Intellectual Property Rights

All educational content, including but not limited to course materials, videos, written guides, and assessment tools, remains the intellectual property of lomixaria. You receive a limited, non-transferable license to access this content for personal educational use only.

You may not reproduce, distribute, or create derivative works from our content without explicit written permission. This includes sharing screenshots, recordings, or summaries of our proprietary educational methods and materials.

6. Privacy and Data Protection

We collect and process personal information in accordance with Australian Privacy Act 1988 and our Privacy Policy. This includes information you provide during registration, course participation, and communication with our support team.

Data Usage

7. Limitation of Liability

lomixaria provides educational services "as is" without warranties of any kind. While we strive for accuracy and quality in our educational content, we cannot guarantee that the information will always be current, complete, or suitable for your specific circumstances.

Our liability is limited to the amount you paid for the specific service in question. We are not responsible for any indirect, incidental, or consequential damages arising from your use of our educational services or application of learned concepts in real-world situations.

8. Account Termination

We reserve the right to suspend or terminate your access to our services if you violate these terms or engage in conduct that we determine to be harmful to our community or business operations. You may also terminate your account at any time by contacting our support team.

Upon termination, your access to course materials will cease, though you may retain materials you have legally downloaded during your active enrollment period. Refunds for terminated accounts are subject to our standard refund policy and the reason for termination.

9. Updates to Terms

We may update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated via email to registered users and posted on our website at least 30 days before taking effect.

Your continued use of our services after updated terms become effective indicates your acceptance of the changes. If you disagree with updated terms, you may terminate your account before they take effect.

10. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of New South Wales, Australia. Any disputes arising from these terms or your use of our services will be resolved through binding arbitration in Newcastle, NSW, unless prohibited by applicable law.

Before initiating formal dispute resolution, we encourage you to contact our support team to resolve issues informally. Many concerns can be addressed through direct communication and collaborative problem-solving.