Terms of Use

Acceptance and Agreement

When you visit brevalycos.com or use any of our services, you're entering into a binding agreement with us. This applies whether you're just browsing our content or actively enrolled in one of our programs.

If you don't agree with these terms, you shouldn't use our website or services. That's not us being difficult – it's just how legal agreements work. We update these terms occasionally, and continuing to use our services after changes means you accept those updates.

Educational Services and Content

brevalycos provides educational content focused on budget essentials and financial management. Our materials include webinars, learning programs, articles, and interactive resources designed to help Australians develop practical financial skills.

What We Provide

Our educational content covers various aspects of personal finance and budgeting. The information we share is educational in nature and shouldn't be considered personalized financial advice. Every person's financial situation is different, and what works for one person might not suit another.

Content Accuracy

We work hard to keep our content accurate and up-to-date, but financial regulations and best practices change. Information that's current today might need updating tomorrow. You're responsible for verifying information before making financial decisions based on our content.

User Responsibilities

Accessing our educational resources comes with some basic expectations. Nothing complicated – just common sense guidelines about how to use our services responsibly.

• Provide accurate information when registering for programs or webinars
• Maintain the confidentiality of any account credentials
• Use our content for personal educational purposes only
• Respect intellectual property rights in all our materials
• Refrain from attempting to access restricted areas of our website
• Avoid disrupting our services or interfering with other users' experience

If you're registering for programs on behalf of someone else, you're confirming you have authority to do so and that they'll also follow these terms.

Intellectual Property Rights

Everything you see on our website – articles, course materials, videos, graphics, our logo – belongs to brevalycos. We've put considerable time and resources into creating these educational resources.

You can access and use our content for personal learning, but you can't reproduce, distribute, or modify it without permission. This includes sharing course materials with people who aren't enrolled or posting our content on other websites.

Think of it this way: you wouldn't photocopy a textbook and distribute it to everyone you know. Same principle applies here.

Program Enrollment and Participation

When you enroll in our learning programs or register for webinars, you're committing to participate in good faith. Our upcoming programs for late 2025 and early 2026 have specific start dates and requirements.

Enrollment Process

Registration happens through our website. Once you complete enrollment, you'll receive confirmation with access details and any pre-program materials. Make sure the email address you provide is current – that's how we'll communicate with you.

Program Access

Most of our programs run for specific durations. Your access to course materials typically extends through the program period plus a reasonable time afterward for review. We're not in the business of cutting off access the moment a program ends, but materials aren't available indefinitely either.

Participation Standards

We expect participants to engage respectfully with instructors and fellow learners. If you're in live sessions or discussion forums, basic courtesy applies. Disruptive behavior, harassment, or misuse of our platforms can result in removal from programs without refund.

Website Use and Restrictions

Our website is here to provide information and facilitate learning. Pretty straightforward purpose. What you can't do is use it in ways that could harm us or other users.

• Don't attempt to hack, scrape, or reverse engineer any part of our website
• Don't use automated systems to access our content without permission
• Don't upload malicious code or anything that could damage our systems
• Don't impersonate brevalycos staff or other users
• Don't collect other users' information without their consent

We monitor our systems for suspicious activity. If we detect behavior that violates these terms, we'll take appropriate action – which could mean terminating your access immediately.

Privacy and Data Protection

We collect and use personal information as described in our Privacy Policy. When you use our services, you're also agreeing to how we handle your data.

Australian privacy laws give you certain rights regarding your personal information. We respect those rights and have procedures in place for you to access, correct, or request deletion of your data where applicable.

For detailed information about what data we collect and how we use it, check our separate Privacy Policy. These terms and that policy work together to govern your relationship with brevalycos.

Payment and Refund Policies

Some of our services require payment. When you purchase access to a program or service, you're agreeing to pay the stated price under the conditions described at the time of purchase.

Payment Processing

We use secure third-party payment processors. Your payment information goes directly to them, not through our servers. By making a purchase, you're agreeing to their terms as well as ours.

Refunds

Our refund policy varies by program and is clearly stated before you enroll. Generally, we offer refunds within a specific timeframe after program start dates. Once you've accessed substantial program content, refunds typically aren't available.

If you have a genuine issue that prevents you from participating – serious illness, unexpected circumstances – contact us. We'll review situations individually, but we're not obligated to provide refunds outside our stated policy.

Disclaimers and Limitations

Here's the part where we talk about what we're not responsible for. Not because we don't care, but because some limitations are necessary and reasonable.

Educational Nature

Our content is educational. It's not personalized financial advice tailored to your specific situation. We can't account for your individual circumstances, risk tolerance, or financial goals in our general educational materials.

No Guarantees

We can't guarantee specific outcomes from using our educational resources. Your financial success depends on countless factors beyond our control – your income, expenses, discipline, economic conditions, and personal circumstances.

What we can promise is quality educational content created by people who understand financial management. The rest is up to you.

Service Availability

We work to keep our website and services running smoothly, but we can't guarantee uninterrupted access. Technical issues happen. Maintenance is sometimes necessary. Internet connections fail. We're not liable for problems accessing our services unless they're directly caused by our negligence.

Limitation of Liability

To the maximum extent permitted under Australian law, brevalycos's liability for any claims related to our services is limited to the amount you paid us for those services in the past six months.

We're not liable for indirect damages, lost profits, or consequential losses arising from your use of our services. This applies whether the issue stems from our negligence, breach of contract, or any other legal theory.

Some consumer protection laws provide rights that can't be excluded. Where those laws apply, nothing in these terms limits your rights under those protections.

Third-Party Links and Services

Our website might link to external resources or mention third-party services. These links are provided for convenience and don't mean we endorse everything on those sites.

When you click a link leading away from brevalycos.com, you're leaving our service and entering someone else's. Their terms and privacy policies apply at that point, not ours. We're not responsible for the content, accuracy, or practices of external websites.

Termination

Either of us can end this agreement. You can stop using our services anytime. We can terminate your access if you violate these terms or if we decide to discontinue services.

If we terminate your access for violation of terms, you won't receive refunds for unused portions of paid services. If we discontinue a service you've paid for and haven't substantially used, we'll work with you on a fair resolution.

Provisions about intellectual property, disclaimers, and limitations of liability survive any termination. They need to continue protecting both parties even after the relationship ends.

Changes to Terms

We'll update these terms occasionally. Changes might reflect new services, legal requirements, or adjustments to how we operate. Significant changes get announced through our website or via email to registered users.

Continued use of our services after changes take effect means you accept the updated terms. If you disagree with changes, your option is to stop using our services.

We maintain an archive of previous versions with effective dates. You can request to see earlier versions if you need to reference what applied at a specific time.

Governing Law

These terms are governed by the laws of the Australian Capital Territory and the Commonwealth of Australia. Any disputes will be subject to the jurisdiction of courts in the ACT.

If any provision of these terms is found unenforceable, that doesn't affect the validity of remaining provisions. The unenforceable bit gets modified to the minimum extent necessary to make it valid while preserving our original intent.