Acceptance of Terms

By accessing and using the osmarivento platform (osmarivento.sbs), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms govern your access to and use of our website, services, and educational content related to startup development and financial planning.

If you do not agree with any part of these terms, you must discontinue use of our platform immediately. Your continued use of the website constitutes your acceptance of any modifications to these terms.

Description of Services

osmarivento provides educational resources, guidance, and information related to startup development, business planning, and financial literacy. Our platform offers learning materials, program information, and consultation services designed to support aspiring entrepreneurs in Australia.

We do not guarantee business success, specific financial outcomes, or investment returns. Our services are educational in nature and should not be considered as financial or investment advice.

User Obligations and Conduct

Users are expected to maintain appropriate conduct when using our platform. You agree to provide accurate information when registering for programs or services and to update this information as necessary.

Prohibited Activities

• Using the platform for illegal activities or purposes that violate Australian law
• Attempting to gain unauthorized access to our systems or other user accounts
• Distributing malicious software, spam, or engaging in harassment of other users
• Copying, reproducing, or redistributing our proprietary educational materials without permission
• Misrepresenting your identity or providing false information during registration

Intellectual Property Rights

All content on the osmarivento platform, including but not limited to text, graphics, logos, educational materials, and software, is the property of osmarivento or its content suppliers and is protected by Australian and international copyright laws.

Users are granted a limited, non-exclusive license to access and use the platform for personal, educational purposes. This license does not include the right to download, copy, or redistribute content for commercial purposes.

Privacy and Data Protection

We collect and process personal information in accordance with the Australian Privacy Principles and our Privacy Policy. By using our platform, you consent to the collection and use of your information as outlined in our privacy documentation.

We implement appropriate security measures to protect your personal data, but cannot guarantee absolute security of information transmitted over the internet.

Payment Terms and Refunds

Payment for programs and services is due at the time of enrollment or as specified in individual service agreements. All fees are quoted in Australian dollars unless otherwise specified.

Refund requests must be submitted within 14 days of payment and are subject to our refund policy. Refunds may be prorated based on services already provided and are processed within 10-15 business days.

Program Cancellation

We reserve the right to cancel programs due to insufficient enrollment or unforeseen circumstances. In such cases, participants will receive full refunds or credit toward future programs.

Disclaimers and Limitation of Liability

The information and services provided on our platform are for educational purposes only. While we strive for accuracy, we make no warranties about the completeness, reliability, or suitability of the information for any particular purpose.

Our liability is limited to the amount paid by you for the specific service that gave rise to the claim, and in no case shall exceed $1,000 AUD.

Termination

We may terminate or suspend your access to our platform at any time, with or without cause, with or without notice. Upon termination, your right to use the platform ceases immediately.

You may terminate your account at any time by contacting us directly. Termination does not relieve you of any obligations incurred prior to termination.

Governing Law

These Terms of Use are governed by the laws of the Northern Territory, Australia. Any disputes arising from these terms or your use of our platform shall be resolved in the courts of the Northern Territory.

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to our website. Your continued use of the platform after such changes constitutes acceptance of the new terms.

We recommend reviewing these terms periodically to stay informed of any updates or changes that may affect your use of our services.