1. Acceptance of Terms

By accessing and using the drasquilinova website (drasquilinova.com) and our financial services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and drasquilinova Financial Services, located at 8/10 Fletcher St, Townsville QLD 4810, Australia.

If you do not agree with any part of these terms, you must not use our website or services. Your continued use of our platform indicates your acceptance of these terms and any future modifications.

2. Service Description

drasquilinova provides financial education services, income optimization strategies, and related educational content. Our services are designed to help users understand financial concepts and develop their knowledge in personal finance management.

• Educational content and resources about financial planning
• Income optimization strategy guidance and learning materials
• Access to financial education courses and webinars
• Personal finance management tools and calculators
• Community forums for educational discussions

3. User Responsibilities and Conduct

As a user of our platform, you agree to use our services responsibly and in accordance with all applicable laws and regulations. You are solely responsible for your use of the information provided.

• Provide accurate and complete information when creating an account
• Maintain the confidentiality of your account credentials
• Use the platform only for lawful purposes and educational activities
• Respect intellectual property rights of all content provided
• Not engage in any activity that could harm or disrupt our services
• Not attempt to gain unauthorized access to our systems or data

You acknowledge that any financial decisions you make are your own responsibility, and drasquilinova is not liable for any outcomes resulting from your use of our educational materials.

4. Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal information in accordance with Australian Privacy Principles and applicable data protection laws.

• We collect only necessary information to provide our services
• Your data is stored securely and never sold to third parties
• You have the right to access, modify, or delete your personal data
• We use cookies to improve your user experience on our platform
• Marketing communications are sent only with your explicit consent

5. Intellectual Property Rights

All content on the drasquilinova platform, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of drasquilinova Financial Services or its content suppliers and is protected by Australian and international copyright laws.

• Users may access content for personal, non-commercial educational use only
• Reproduction, distribution, or modification of content requires written permission
• Users retain ownership of any content they submit to community forums
• By submitting content, users grant drasquilinova a license to use it within our platform

6. Payment Terms and Refund Policy

For paid educational services and courses, the following payment terms apply. All prices are displayed in Australian Dollars (AUD) and include applicable taxes where required.

• Payment is due at the time of purchase for all courses and services
• We accept major credit cards and secure electronic payment methods
• Refunds are available within 14 days of purchase for unused services
• Partial refunds may be considered on a case-by-case basis
• Subscription services can be cancelled at any time with 30 days notice

7. Limitation of Liability

drasquilinova Financial Services provides educational content and services "as is" without warranties of any kind. We do not guarantee specific outcomes or results from using our educational materials.

To the maximum extent permitted by Australian law, drasquilinova shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from your use of our services.

• Educational content is provided for informational purposes only
• Users assume full responsibility for their financial decisions
• We do not guarantee the accuracy of all third-party information
• Technical issues or service interruptions may occur occasionally

8. Termination of Services

Either party may terminate this agreement at any time. drasquilinova reserves the right to suspend or terminate user accounts for violations of these terms or for any conduct that we determine to be harmful to our platform or other users.

• Users may close their accounts at any time through their profile settings
• drasquilinova may terminate accounts with or without notice for terms violations
• Upon termination, users lose access to paid services and premium content
• Certain provisions of these terms survive termination of the agreement

9. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Queensland, Australia. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts of Queensland.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

10. Changes to Terms

drasquilinova reserves the right to modify these Terms of Use at any time. We will notify users of significant changes through email or prominent notices on our website. Continued use of our services after changes constitutes acceptance of the modified terms.

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