By accessing or using zelivosara's services, website, or educational programs, 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 zelivosara.

If you do not agree with any part of these terms, you must not use our services. Your continued use of our services following any changes to these terms constitutes acceptance of those changes.

zelivosara provides financial education services, business consultancy, and creative business support programs. Our services include but are not limited to:

• Online and in-person educational courses and workshops
• Financial planning and business strategy consultation
• Creative business development programs
• Digital resources and educational materials
• Community forums and networking opportunities

Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

As a user of zelivosara's services, you agree to conduct yourself professionally and responsibly. You are solely responsible for your account activity and must maintain the confidentiality of your login credentials.

Prohibited Activities

You agree not to engage in any of the following activities:

• Attempting to gain unauthorized access to our systems or other users' accounts
• Distributing malicious software or engaging in harmful digital activities
• Sharing inappropriate, offensive, or illegal content
• Using our services for any unlawful purposes
• Violating intellectual property rights of zelivosara or third parties
• Interfering with the proper functioning of our services

Violation of these terms may result in immediate suspension or termination of your access to our services.

All fees for zelivosara's services are clearly stated during the enrollment or purchase process. Payment is required in advance unless alternative arrangements have been specifically agreed upon in writing.

Refund Eligibility

Refunds may be available under specific circumstances within 14 days of purchase or program commencement. Educational program refunds are subject to completion percentage and individual circumstances.

Price Changes

We reserve the right to modify pricing for our services. Current participants in ongoing programs will not be affected by price changes during their enrollment period.

All content, materials, and resources provided through zelivosara's services remain the exclusive intellectual property of zelivosara or our licensed content providers. This includes but is not limited to:

• Educational course materials, videos, and written content
• Proprietary business frameworks and methodologies
• Software, applications, and digital tools
• Trademarks, logos, and brand materials
• Research data and analytical reports

Usage Rights

You are granted a limited, non-exclusive license to use our materials solely for your personal educational purposes. You may not reproduce, distribute, or commercialize our content without explicit written permission.

zelivosara is committed to protecting your privacy and personal information. We collect and use your data in accordance with our Privacy Policy and applicable Australian privacy legislation.

Data Collection

We collect information necessary to provide our services effectively, including contact details, educational background, and professional interests. This information helps us customize your learning experience.

Your personal information will not be shared with third parties without your consent, except as required by law or as necessary to provide our services.

While we strive to provide high-quality educational services, zelivosara cannot guarantee specific business outcomes or financial results from participation in our programs. Individual results may vary based on numerous factors including market conditions, individual effort, and business circumstances.

Service Limitations

zelivosara's liability is limited to the fees paid for our services. We are not responsible for indirect, consequential, or punitive damages arising from your use of our services.

Our educational content is provided for informational purposes and should not be considered as personalized financial advice. Always consult qualified professionals for specific business or financial decisions.

Either party may terminate this agreement with appropriate notice. zelivosara reserves the right to suspend or terminate access to services for violations of these terms or inappropriate conduct.

Account Termination

Upon termination, your access to paid services will continue until the end of the current billing period. Access to free resources may be immediately suspended if termination is due to terms violations.

You may request account deletion at any time by contacting our support team. Some information may be retained as required by law or for legitimate business purposes.