1. Acceptance of Terms

By accessing or using phoralentiso's website (phoralentiso.com) and services, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you may not use our services. These terms apply to all visitors, users, and others who access or use the service.

Your access to and use of the service is conditioned on your acceptance of and compliance with these terms. We reserve the right to update or modify these terms at any time without prior notice. Your continued use of the platform after any such changes constitutes acceptance of the new terms.

2. Description of Services

phoralentiso provides business planning resources, educational content, and financial planning tools designed to help users develop their business acumen and planning skills. Our services include access to learning materials, planning templates, and educational programs that typically run for six months to one year.

3. User Obligations and Responsibilities

When using our services, you agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account.

• Maintain the confidentiality of your account and password
• Use the service only for lawful purposes and in accordance with these terms
• Not attempt to gain unauthorized access to any portion of the service
• Not transmit any viruses, worms, defects, trojan horses, or other harmful items
• Not use the service to violate any applicable local, state, national, or international law

4. Intellectual Property Rights

The service and its original content, features, and functionality are and will remain the exclusive property of phoralentiso and its licensors. The service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

5. User-Generated Content

Our service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material. You retain ownership of any intellectual property rights that you hold in that content. However, by sharing content on our platform, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and distribute your content.

6. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our service. By using our service, you agree to the collection and use of information in accordance with our Privacy Policy.

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure.

7. Payment Terms and Refunds

Some of our services may require payment of fees. You agree to pay all applicable fees as described on the platform at the time you order the services. All fees are non-refundable unless otherwise stated in writing or required by applicable law.

• Payment is due at the time of registration for paid services
• We accept major credit cards and other payment methods as indicated
• Subscription services will automatically renew unless cancelled
• Price changes will be communicated at least 30 days in advance

8. Disclaimers and Limitation of Liability

The information on this service is provided on an "as is" basis. To the fullest extent permitted by law, we exclude all representations, warranties, conditions, and other terms which might otherwise be implied by statute, common law, or the law of equity.

9. Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including without limitation if you breach the terms.

If you wish to terminate your account, you may simply discontinue using the service. Upon termination, your right to use the service will cease immediately.

10. Governing Law

These terms shall be interpreted and governed by the laws of New South Wales, Australia, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the service.