Acceptance of Terms

By accessing or using riventarion's financial modeling platform, educational resources, or any related services provided through riventarion.com, 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 discontinue use of our services immediately.

These terms constitute a legally binding agreement between you and riventarion, located at 15 AMP Ln, Albury NSW 2640, Australia. Your continued use of our platform following any modifications to these terms constitutes acceptance of such changes.

Service Description and Educational Purpose

riventarion provides educational resources, tools, and training programs focused on financial model building and analysis. Our services are designed for educational and professional development purposes, aimed at enhancing your understanding of financial modeling concepts and techniques.

All learning programs and courses offered are structured for completion over extended periods, typically six months to one year, allowing for comprehensive skill development and practical application of learned concepts.

User Obligations and Conduct

Account Responsibility

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. You must notify us immediately of any unauthorized use of your account or any other breach of security.

Prohibited Activities

• Sharing account credentials or allowing unauthorized access to your account
• Reproducing, distributing, or publicly displaying our proprietary educational content without written permission
• Using our platform for any illegal activities or purposes that violate applicable laws
• Attempting to gain unauthorized access to our systems, servers, or databases
• Interfering with or disrupting the operation of our platform or services
• Creating multiple accounts to circumvent usage limitations or access restrictions
• Using automated tools or scripts to access our platform without explicit authorization

Content Standards

When participating in forums, discussions, or submitting content through our platform, you agree to maintain professional standards and respect for other users. Content that is offensive, discriminatory, or inappropriate will be removed, and repeat violations may result in account termination.

Intellectual Property Rights

All content, materials, courses, tools, and resources provided through riventarion's platform are protected by intellectual property laws. This includes but is not limited to text, graphics, logos, videos, audio content, software, and educational methodologies.

Users are granted a limited, non-exclusive, non-transferable license to access and use our educational materials solely for personal learning and professional development. This license does not permit redistribution, modification, or commercial use of our content.

User-Generated Content

By submitting content, feedback, or participating in discussions on our platform, you grant riventarion a non-exclusive right to use, modify, and display such content for educational and platform improvement purposes. You retain ownership of your original contributions while allowing us operational flexibility.

Privacy and Data Protection

Your privacy is important to us. We collect and process personal information in accordance with applicable privacy laws and our Privacy Policy. By using our services, you consent to the collection and use of your information as outlined in our comprehensive Privacy Policy.

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure.

Data Retention

We retain user data for as long as necessary to provide our services and fulfill our legal obligations. Users may request data deletion in accordance with applicable privacy laws, subject to certain exceptions for legal compliance and legitimate business interests.

Payment Terms and Refund Policy

Payment Processing

All payments for courses, programs, and services are processed securely through our designated payment processors. Prices are displayed in Australian dollars and include applicable taxes where required by law.

Refund Eligibility

Refunds may be available within 14 days of initial purchase, provided that less than 20% of the course content has been accessed. Refund requests must be submitted through our official support channels and are subject to review and approval.

Specialized programs and one-on-one mentoring sessions may have different refund policies, which will be clearly communicated at the time of purchase.

Service Availability and Modifications

We strive to maintain continuous availability of our platform and services. However, we may occasionally need to perform maintenance, updates, or improvements that could temporarily affect service availability.

riventarion reserves the right to modify, suspend, or discontinue any aspect of our services at any time. We will provide reasonable notice of significant changes that may affect your access to purchased content or ongoing programs.

Technical Requirements

Users are responsible for ensuring their devices and internet connections meet the minimum technical requirements for accessing our platform. We provide technical specifications and support resources to help optimize your learning experience.

Disclaimers and Limitations

While we strive for accuracy in our educational content, financial markets and modeling techniques evolve continuously. Users should always conduct their own research and seek appropriate professional advice for specific financial decisions.

Limitation of Liability

To the maximum extent permitted by law, riventarion's liability for any claims arising from your use of our services is limited to the amount you paid for the specific service giving rise to the claim. We shall not be liable for indirect, incidental, or consequential damages.

Termination and Account Closure

Either party may terminate this agreement at any time. Users may close their accounts by contacting our support team. We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited activities.

Upon termination, your right to access our platform and services will cease immediately. However, you may retain access to downloaded materials that were explicitly provided for offline use during your active subscription period.

Effect of Termination

Provisions of these terms that by their nature should survive termination will remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of New South Wales, Australia, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of New South Wales.

Alternative Dispute Resolution

Before pursuing formal legal action, we encourage users to contact our support team to resolve disputes amicably. Many issues can be resolved through direct communication and good faith negotiation.