Terms of Service

Effective Date: November 1, 2024

Last Updated: November 1, 2024

Welcome to Drive Paragon. These Terms of Service ("Terms," "Agreement") govern your use of the Drive Paragon website and services operated by Drive Paragon Pty Ltd (ABN: 12 345 678 901) ("we," "our," or "us").

By accessing or using our services, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access our services.

1. Definitions

For the purposes of these Terms:

• "Company" (referred to as "we," "us," or "our") refers to Drive Paragon Pty Ltd
• "Service" refers to the financial literacy education courses, content, and related services provided through our website
• "User," "Student," or "you" refers to any individual who accesses or uses our Service
• "Content" refers to all educational materials, courses, assessments, and information provided through our Service
• "Account" refers to your user account created to access our services

2. Acceptance of Terms

By creating an account, accessing our website, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Drive Paragon.

Age Requirements

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this agreement.

3. Description of Services

Drive Paragon provides online financial literacy education services, including:

• Comprehensive financial literacy courses
• Educational content and resources
• Progress tracking and certification
• Community forums and support
• Newsletter and updates
• Customer support services

Educational Purpose

Our services are designed for educational purposes only. We do not provide financial advice, investment recommendations, or professional financial planning services. All content is for general educational purposes and should not be considered as personalized financial advice.

4. User Accounts

Account Creation

To access certain features of our Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Account Termination

You may terminate your account at any time by contacting us. We may suspend or terminate your account if you violate these Terms or engage in prohibited activities.

5. Course Enrollment and Access

Course Registration

When you enroll in a course, you gain access to the course materials for the duration specified in your enrollment. Course access includes:

• Video lectures and presentations
• Written materials and resources
• Assessments and quizzes
• Discussion forums (where available)
• Progress tracking tools

Course Completion

Upon successful completion of course requirements, you may receive a certificate of completion. Certificates are for educational recognition and do not constitute professional certification or licensing.

6. Payment Terms

Pricing and Fees

Course fees are listed on our website and are subject to change. All prices are in Australian Dollars (AUD) and include applicable taxes unless otherwise specified.

Payment Processing

We use third-party payment processors to handle transactions securely. By providing payment information, you authorize us to charge the applicable fees to your chosen payment method.

Refund Policy

We offer refunds according to the following policy:

• 30-Day Money-Back Guarantee: Full refund available within 30 days of purchase if less than 25% of course content has been accessed
• Technical Issues: Full refund if technical problems prevent course access and cannot be resolved
• Duplicate Purchases: Full refund for accidental duplicate enrollments
• Course Cancellation: Full refund if we cancel a course before completion

Refund requests must be submitted in writing to our customer support team. Processing time is typically 5-10 business days.

7. Intellectual Property Rights

Our Content

All content provided through our Service, including courses, materials, videos, text, graphics, and software, is owned by Drive Paragon or our licensors and is protected by intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal educational purposes only. You may not:

• Copy, distribute, or reproduce our content
• Create derivative works based on our content
• Use our content for commercial purposes
• Share your account credentials with others
• Attempt to download or extract our content

User-Generated Content

You retain ownership of any content you submit through our forums or communications. By submitting content, you grant us a worldwide, royalty-free license to use, modify, and display your content in connection with our Service.

8. User Conduct

You agree not to use our Service to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Service
• Use automated systems to access our content
• Share false or misleading information
• Engage in any form of harassment or abuse

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to our collection and use of information as described in our Privacy Policy.

10. Disclaimers and Limitations

Educational Content Disclaimer

Our courses and content are provided for educational purposes only. We make no representations or warranties about the accuracy, completeness, or suitability of the information for any particular purpose.

Not Financial Advice

Our content does not constitute financial advice, investment recommendations, or professional financial planning services. You should consult with qualified financial professionals before making financial decisions.

No Guarantee of Results

We do not guarantee that our courses will lead to specific financial outcomes or improvements in your financial situation. Individual results may vary based on personal circumstances and application of course principles.

Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. We may temporarily suspend service for maintenance, updates, or technical issues.

11. Limitation of Liability

To the maximum extent permitted by law, Drive Paragon shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Loss of business opportunities
• Financial losses resulting from course content application

Our total liability for any claim arising from these Terms or your use of our Service shall not exceed the amount you paid for the specific course or service giving rise to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Drive Paragon, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your submission of false or misleading information

13. Modifications to Service and Terms

Service Changes

We reserve the right to modify, suspend, or discontinue our Service or any part thereof at any time. We will provide reasonable notice of significant changes when possible.

Terms Updates

We may update these Terms from time to time. When we do, we will:

• Post the updated Terms on our website
• Update the "Last Updated" date
• Notify users of material changes via email or website notice

Your continued use of our Service after the effective date of updated Terms constitutes acceptance of the changes.

14. Termination

Termination by You

You may terminate your account and stop using our Service at any time by contacting our customer support team.

Termination by Us

We may terminate or suspend your access immediately, without prior notice, if you:

• Breach these Terms
• Engage in prohibited activities
• Fail to pay applicable fees
• Use our Service for illegal purposes

Effect of Termination

Upon termination:

• Your right to access our Service will cease immediately
• You will lose access to course materials and progress
• We may delete your account and associated data
• Outstanding payment obligations will remain due

15. Governing Law and Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia, without regard to conflict of law principles.

Dispute Resolution

We encourage resolving disputes through direct communication. If informal resolution is unsuccessful, disputes will be resolved through:

1. Mediation: Good faith mediation before a mutually agreed mediator
2. Arbitration: Binding arbitration under the Commercial Arbitration Act if mediation fails
3. Court Proceedings: As a last resort, in the courts of New South Wales, Australia

16. Consumer Rights (Australian Consumer Law)

If you are a consumer under the Australian Consumer Law (ACL), you have certain rights that cannot be excluded, restricted, or modified by these Terms, including:

• The right to receive services of acceptable quality
• The right to receive services fit for purpose
• The right to receive services within a reasonable time
• Remedies for failure to meet consumer guarantees

Nothing in these Terms is intended to exclude, restrict, or modify these rights.

17. Accessibility

We are committed to making our Service accessible to users with disabilities. If you encounter accessibility barriers, please contact us so we can work to address them.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Drive Paragon regarding your use of our Service.

20. Contact Information

21. Acknowledgment

By using our Service, you acknowledge that you have read these Terms of Service, understand them, and agree to be bound by them. You also acknowledge that these Terms constitute the complete agreement between you and Drive Paragon regarding your use of our Service.

These Terms of Service were last updated on November 1, 2024. We encourage you to review these Terms periodically to stay informed about your rights and obligations.