Acceptance and Scope of Agreement

By accessing or using parionthavex's educational platform at parionthavex.com, 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 parionthavex, operating from 86 Gouger St, Adelaide SA 5000, Australia. Your continued use of our services following any modifications to these terms indicates your acceptance of such changes.

Our platform provides educational content focused on banking services and financial literacy. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. If you disagree with any portion of these terms, you must immediately cease using our platform.

These terms apply to all users, including visitors, registered students, and participants in our educational programs. By creating an account or participating in our webinars, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement.

User Obligations and Conduct Standards

As a user of parionthavex's educational platform, you agree to maintain the highest standards of conduct and comply with all applicable laws and regulations. You are responsible for all activities that occur under your account and must safeguard your login credentials from unauthorized access.

  • Provide accurate and complete information when creating accounts or participating in programs
  • Respect intellectual property rights of parionthavex and third-party content providers
  • Refrain from sharing account credentials or allowing unauthorized access to your account
  • Maintain professional and respectful communication in all interactions
  • Report any suspected security breaches or policy violations immediately
  • Use our educational resources solely for legitimate learning purposes
Prohibited Activities: Users are strictly forbidden from engaging in activities that could harm our platform's integrity, including but not limited to: distributing malicious software, attempting unauthorized access to systems, harassment of other users, or misrepresentation of credentials or achievements.

We monitor user activity to ensure compliance with these standards and reserve the right to investigate suspicious behavior. Violations may result in immediate account suspension, termination of access, and potential legal action depending on the severity of the breach.

Educational Content and Intellectual Property Rights

All educational materials, including but not limited to course content, webinar recordings, documentation, interactive tools, and assessment materials, are the exclusive intellectual property of parionthavex or our licensed content providers. This includes copyrights, trademarks, trade secrets, and other proprietary rights.

Limited License: We grant you a non-exclusive, non-transferable, revocable license to access and use our educational content solely for personal learning purposes. This license does not permit redistribution, commercial use, or modification of our materials without explicit written permission.

  • Downloaded materials may be stored locally for offline study but cannot be shared with third parties
  • Screenshots or recordings of webinars are permitted for personal notes only
  • Reverse engineering or attempting to extract proprietary algorithms is strictly prohibited
  • Creating derivative works based on our content requires prior written authorization
  • All trademarks and service marks remain the property of their respective owners

Content infringement is taken seriously and may result in immediate termination of access. We actively monitor for unauthorized distribution and will pursue legal remedies when necessary. Users who identify potential copyright violations should report them to info@parionthavex.com immediately.

Privacy Protection and Data Handling

parionthavex is committed to protecting your privacy and handling personal information responsibly. We collect, process, and store data necessary to provide educational services and improve user experience. This includes registration information, learning progress, participation records, and technical usage data.

Data Collection: We gather information through various means including account registration, course participation, webinar attendance, contact forms, and automated tracking systems. All data collection complies with applicable privacy laws and regulations.

  • Personal identifiers such as name, email address, and contact information
  • Educational progress including course completion rates and assessment scores
  • Technical data including IP addresses, browser information, and device specifications
  • Communication records including support tickets and feedback submissions
  • Payment information processed securely through third-party providers
Data Security: We implement industry-standard security measures including encryption, secure servers, and regular security audits. However, no system is completely secure, and users share responsibility for protecting their account information and accessing our platform from secure networks.

Your data may be shared with trusted partners who assist in delivering educational services, but only to the extent necessary and under strict confidentiality agreements. We never sell personal information to third parties for marketing purposes.

Service Availability and Technical Requirements

parionthavex strives to maintain continuous platform availability but cannot guarantee uninterrupted service. Scheduled maintenance, emergency repairs, and third-party service disruptions may temporarily affect access. We provide reasonable notice for planned maintenance whenever possible.

Technical Requirements: Users are responsible for maintaining compatible devices and internet connections sufficient for accessing our educational content. Minimum requirements include modern web browsers with JavaScript enabled, stable broadband connection, and current security software.

  • Supported browsers include Chrome 90+, Firefox 88+, Safari 14+, and Edge 90+
  • Minimum internet speed of 5 Mbps recommended for video content
  • Audio and video capabilities required for webinar participation
  • PDF reader software necessary for document access
  • Mobile devices should run iOS 13+ or Android 8.0+ for optimal experience

Service level objectives aim for 99.5% uptime excluding scheduled maintenance. While we work diligently to resolve technical issues promptly, parionthavex is not liable for losses resulting from service interruptions, including missed webinars or delayed course completion.

Payment Terms and Refund Policy

Educational programs requiring payment must be completed before access is granted. All prices are displayed in Australian dollars and include applicable taxes. Payment processing is handled through secure third-party providers who maintain PCI DSS compliance standards.

Refund Eligibility: Refunds may be requested within 14 days of program enrollment, provided that less than 25% of the content has been accessed. Refund requests must be submitted through our contact form with a detailed explanation of the circumstances.

Refund Processing: Approved refunds are processed within 10-15 business days using the original payment method. Administrative fees may apply for processing refunds after the initial grace period. Partial refunds are not available for completed programs.

Special circumstances including medical emergencies or unexpected life events may be considered for refund exceptions at parionthavex's sole discretion. Documentation may be required to substantiate such requests.

Limitation of Liability and Disclaimers

parionthavex's educational content is provided for informational purposes only and should not be construed as professional financial advice. While we strive for accuracy, the financial industry is subject to constant change, and users should verify information with qualified professionals before making financial decisions.

Limitation of Liability: To the maximum extent permitted by law, parionthavex's liability is limited to the amount paid for educational services during the twelve months preceding any claim. We are not liable for indirect, incidental, consequential, or punitive damages regardless of the theory of liability.

  • No warranty of employment, income, or career advancement resulting from program completion
  • Educational content reflects industry practices as of publication date and may become outdated
  • Third-party links and resources are provided for convenience and do not constitute endorsement
  • User-generated content in forums or discussions does not represent parionthavex's official position
  • Technical issues, including data loss or corruption, are addressed on a best-effort basis

These limitations apply even if parionthavex has been advised of the possibility of such damages. Some jurisdictions do not allow exclusion of certain warranties or limitation of liability, so these restrictions may not apply in all cases.

Termination Rights and Account Closure

Either party may terminate the relationship governed by these terms at any time. Users may close accounts by contacting our support team, while parionthavex reserves the right to terminate accounts for policy violations, non-payment, or other legitimate business reasons.

Termination Process: Account closure results in immediate loss of access to educational materials, progress records, and community features. Users should download any materials they wish to retain before requesting account closure, as data recovery after termination is not guaranteed.

Post-Termination Obligations: Intellectual property restrictions, confidentiality obligations, and limitation of liability provisions survive account termination. Users remain bound by these terms regarding any content accessed during their enrollment period.

Involuntary termination may occur with or without notice depending on the severity of policy violations. Serious breaches including fraud, harassment, or security violations result in immediate suspension pending investigation.

Governing Law and Dispute Resolution

These terms are governed by the laws of South Australia and the Commonwealth of Australia. Any disputes arising from these terms or your use of parionthavex's services will be subject to the exclusive jurisdiction of the courts of South Australia.

Dispute Resolution: Before initiating legal proceedings, parties agree to attempt resolution through good faith negotiations. Disputes that cannot be resolved through direct communication may be submitted to mediation through a mutually agreed upon mediator.

  • Initial dispute notification must be sent to info@parionthavex.com with detailed description
  • Thirty-day negotiation period begins upon receipt of dispute notification
  • Mediation costs are shared equally between parties unless otherwise agreed
  • Legal proceedings may be initiated if alternative dispute resolution fails
  • Class action lawsuits are prohibited; disputes must be resolved individually

If any provision of these terms is deemed unenforceable, the remaining provisions continue in full force and effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving the original intent.

Updates and Communication Procedures

parionthavex reserves the right to modify these terms at any time to reflect changes in services, legal requirements, or business practices. Material changes will be communicated through email notifications to registered users and prominently displayed on our website.

Notification Requirements: Users will receive at least 30 days advance notice of significant term modifications. Continued use of our services after the effective date constitutes acceptance of the revised terms. Users who disagree with modifications must discontinue service use.

Communication Preferences: By using our services, you consent to receive operational communications including account notifications, security alerts, and policy updates. Marketing communications require separate opt-in consent and can be disabled through account settings.

Regular review of these terms is recommended as they may be updated to address new features, regulatory changes, or user feedback. The current version is always available at parionthavex.com/terms-of-use with the last modified date clearly displayed.