Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and EcoLearn Australia ABN: 12 345 678 901 ("Company," "we," "our," or "us") concerning your access to and use of the banking-equity.com website and our educational services.

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.

2. Description of Services

EcoLearn Australia provides online education services specializing in sustainable tourism, including:

• Online courses and training programs
• Professional certification programs
• Educational resources and materials
• Expert mentoring and guidance
• Community forums and networking opportunities

3. User Accounts and Registration

3.1 Account Creation

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

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account

3.2 Eligibility

You must be at least 18 years old to use our services. By using our services, you represent that you meet this age requirement.

4. Course Enrollment and Payment

4.1 Course Fees

Course fees are listed in Australian Dollars (AUD) and must be paid in full before accessing course content. All prices include applicable taxes unless otherwise specified.

4.2 Payment Terms

• Payment is due immediately upon enrollment
• We accept major credit cards and other payment methods as displayed
• All sales are final unless otherwise specified in our refund policy

4.3 Refund Policy

We offer a 14-day money-back guarantee from the date of enrollment, provided:

• You have completed less than 25% of the course content
• You request the refund within 14 days of enrollment
• The request is made in writing to our support team

5. Course Content and Materials

5.1 License to Use

Upon enrollment and payment, we grant you a limited, non-exclusive, non-transferable license to access and use course materials for personal, educational purposes only.

5.2 Restrictions

You may not:

• Share, distribute, or reproduce course materials
• Use materials for commercial purposes without written permission
• Create derivative works based on our content
• Reverse engineer or attempt to extract source code
• Sell, rent, or sublicense access to courses

6. User Conduct

You agree to use our services responsibly and not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with other users' experience
• Use our services for spam or unauthorized marketing

7. Intellectual Property Rights

7.1 Our Content

All content, materials, and intellectual property on our platform are owned by EcoLearn Australia or our licensors and are protected by copyright, trademark, and other laws.

7.2 User Content

By submitting content to our platform (reviews, forum posts, assignments), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content in connection with our services.

8. 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.

9. Disclaimers and Limitations

9.1 Service Availability

We strive to provide uninterrupted access to our services but cannot guarantee 100% uptime. We reserve the right to modify, suspend, or discontinue services with reasonable notice.

9.2 Educational Outcomes

While we provide high-quality educational content, we cannot guarantee specific learning outcomes, career advancement, or employment opportunities.

9.3 Limitation of Liability

To the maximum extent permitted by law, EcoLearn Australia shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

10. Indemnification

You agree to indemnify and hold harmless EcoLearn Australia from any claims, damages, or expenses arising from your use of our services, violation of these Terms, or infringement of any rights of another party.

11. Termination

11.1 By You

You may terminate your account at any time by contacting our support team. Termination does not entitle you to a refund unless specified in our refund policy.

11.2 By Us

We may terminate or suspend your account immediately if you violate these Terms or engage in prohibited conduct.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of New South Wales, Australia. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of New South Wales.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through our website or email. Your continued use of our services after changes constitutes acceptance of the modified Terms.

14. Severability

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

15. Contact Information

For questions about these Terms or our services, please contact us:

16. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any guarantee, condition, warranty, right, or remedy implied or imposed by the Australian Consumer Law or any other applicable law that cannot be lawfully excluded, restricted, or modified.