Terms of Use | calm-bastion

Acceptance of Terms

By accessing or using calm-bastion's website and services, you agree to these Terms of Use. If you do not agree, please do not use our services. We reserve the right to modify these terms at any time, and continued use constitutes acceptance of changes.

Educational Services

calm-bastion provides financial education courses and consultations. Our content is for educational purposes only and does not constitute financial advice, investment recommendations, or professional financial planning services.

You are responsible for making your own financial decisions. We recommend consulting with licensed financial advisors, accountants, or other professionals before making significant financial changes based on course content.

Enrollment and Payment

Course enrollment requires payment of the stated fee. Prices are listed in Australian dollars (AUD) and are subject to change without notice, though changes do not affect enrollments already completed.

Payment is processed through secure third-party payment processors. We do not store credit card information on our servers.

Refund Policy

We offer a full refund within 14 days of enrollment if you are not satisfied with a course. Refund requests must be submitted in writing to [email protected]. Refunds are processed within 10 business days of approval.

After 14 days, enrollment fees are non-refundable, though you retain lifetime access to course materials.

Course Access

Upon enrollment, you receive access to course materials, recordings, and resources. This access is personal and non-transferable. You may not share login credentials, distribute course materials, or allow others to access content through your account.

Course access is granted for personal educational use only. Commercial use, reproduction, or distribution of course content without written permission is prohibited.

Intellectual Property

All course content, including text, videos, worksheets, templates, and other materials, is owned by calm-bastion and protected by copyright law. You may download and use materials for personal learning but may not reproduce, modify, or distribute them.

The calm-bastion name, logo, and branding are trademarks of calm-bastion. Unauthorized use is prohibited.

User Conduct

You agree to use our services lawfully and respectfully. Prohibited activities include:

Sharing false or misleading information during enrollment
Attempting to access other users' accounts or data
Uploading viruses, malware, or harmful code
Harassing instructors, staff, or other students
Using course content to provide financial advice to others without proper licensing

Violation of these terms may result in immediate termination of access without refund.

Disclaimers

While we strive for accuracy, financial information and regulations change frequently. Course content is current as of the date it was created but may become outdated. We are not responsible for financial losses resulting from outdated information or misapplication of course concepts.

Individual results vary. Testimonials and success stories represent specific experiences and are not guarantees of similar outcomes for all students.

Limitation of Liability

To the fullest extent permitted by law, calm-bastion and its instructors are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services, including financial losses resulting from decisions made based on course content.

Our total liability for any claim related to our services is limited to the amount you paid for the specific course in question.

Technical Requirements

You are responsible for ensuring your device and internet connection meet the technical requirements to access course materials. We provide support for common technical issues but cannot guarantee compatibility with all devices or browsers.

Privacy

Your use of our services is also governed by our Privacy Policy and GDPR compliance statement. Please review these documents to understand how we collect, use, and protect your personal information.

Termination

We reserve the right to terminate or suspend access to our services at any time for violation of these terms, fraudulent activity, or other reasons at our discretion. Upon termination, you must cease using all course materials.

Governing Law

These Terms of Use are governed by the laws of Victoria, Australia. Any disputes will be resolved in the courts of Victoria, and you consent to the jurisdiction of these courts.

Severability

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

Contact

Questions about these Terms of Use? Contact us at [email protected] or write to Level 7, 142 Collins Street, Melbourne VIC 3000, Australia.