1. Acceptance of Terms

By accessing and using the creteraeira financial education website at creteraeira.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please discontinue use of our services immediately.

These terms constitute a legally binding agreement between you and creteraeira, located at 70 Winthrop Ave Bunbury WA 6230, Australia. Your continued use of our website and services indicates your ongoing acceptance of these terms and any future modifications.

2. Educational Services Description

creteraeira provides financial education and customer relations training through online content, learning programs, and educational resources. Our services are designed to enhance financial literacy and improve customer service skills in business environments.

Service Limitations

• Educational content is for informational purposes only
• We do not provide personal financial advice or investment recommendations
• Results may vary based on individual circumstances and application
• Course completion does not guarantee specific employment outcomes

3. User Responsibilities and Conduct

Users are expected to engage with our platform respectfully and lawfully. You agree not to use our services for any illegal activities, to respect intellectual property rights, and to maintain the confidentiality of your account information.

Prohibited Activities

• Sharing account credentials with unauthorized individuals
• Attempting to access restricted areas of the website
• Using content for commercial purposes without written permission
• Engaging in harassment or disruptive behavior in forums or discussions

4. Intellectual Property Rights

All content on creteraeira.com, including but not limited to text, graphics, videos, audio materials, course content, and software, is owned by creteraeira or licensed to us. This content is protected by Australian and international copyright laws.

You may access and use our content for personal educational purposes only. Any reproduction, distribution, or commercial use requires explicit written permission from creteraeira. Screenshots or recordings of course materials for personal study notes are permitted, but sharing these materials is prohibited.

5. Payment Terms and Refund Policy

Course fees are payable in Australian dollars and must be received before access is granted to premium content. We accept major credit cards and bank transfers through secure payment processors.

Refund Conditions

• Full refund available within 14 days of purchase if less than 25% of course content accessed
• Refunds processed within 10 business days to original payment method
• Administrative fee of AUD applies to all refund requests
• No refunds available after 30 days from purchase date

6. Privacy and Data Protection

creteraeira collects and processes personal information in accordance with Australian Privacy Principles and applicable data protection laws. We use your information to provide educational services, communicate important updates, and improve our offerings.

Your personal information is stored securely and is never sold to third parties. We may share aggregated, non-identifying data for research and improvement purposes. You have the right to access, correct, or request deletion of your personal information at any time.

7. Limitation of Liability

creteraeira provides educational services with reasonable care and skill. However, we cannot guarantee specific outcomes or results from participation in our programs. Our liability is limited to the amount paid for services, and we exclude liability for indirect or consequential damages.

Users acknowledge that financial decisions should be made based on comprehensive research and, where appropriate, consultation with qualified financial professionals. creteraeira is not responsible for any financial losses resulting from the application of educational content.

8. Modifications to Terms

creteraeira reserves the right to modify these Terms of Use at any time. Significant changes will be communicated via email to registered users and posted prominently on our website. Continued use of our services after modification constitutes acceptance of the updated terms.

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