Terms of Use

By accessing and using the loravianquex platform at loravianquex.com, 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 loravianquex, a financial education platform operating from 721 Holderness Rd, Hull HU8 9EA, United Kingdom.

If you do not agree with any part of these terms, you must immediately cease using our platform. Your continued use of our services after any modifications to these terms constitutes acceptance of the updated terms.

These terms apply to all users of the platform, including visitors, registered users, and subscribers to our educational programs. We reserve the right to modify these terms at any time, and such modifications will be effective immediately upon posting.

loravianquex provides educational content focused on valuation techniques for financial analysts. Our platform offers learning resources, training materials, and educational programs designed to enhance professional knowledge and skills in financial analysis.

All content provided is for educational purposes only and should not be construed as financial advice, investment recommendations, or professional consultation. Users are responsible for making their own informed decisions based on their individual circumstances and professional judgment.

We do not guarantee employment outcomes, specific career advancement, or particular financial benefits from completing our educational programs. The value of our education lies in the knowledge and skills acquired through dedicated study and practice.

As a user of our platform, you agree to use our services responsibly and in accordance with applicable laws and regulations. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

You agree not to:

• Share your account credentials with unauthorized parties
• Upload or distribute content that infringes on intellectual property rights
• Engage in activities that could harm or disrupt our platform or other users
• Use our platform for any illegal or unauthorized purposes
• Attempt to gain unauthorized access to restricted areas of the platform
• Reproduce, distribute, or commercialize our educational content without explicit permission

We reserve the right to suspend or terminate accounts that violate these terms or engage in behavior we deem inappropriate or harmful to our community.

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

Users are granted a limited, non-exclusive, non-transferable license to access and use the platform for personal educational purposes. This license does not permit the downloading, copying, reproduction, or distribution of any content for commercial purposes.

Any content you submit to our platform, including comments, questions, or course submissions, grants loravianquex a non-exclusive right to use, modify, and display such content for educational and operational purposes.

Trademark notices: loravianquex and associated logos are trademarks of our company. Unauthorized use of these trademarks is strictly prohibited and may result in legal action.

Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy and applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR).

By using our platform, you consent to the collection, use, and processing of your personal information as described in our Privacy Policy. We implement appropriate technical and organizational measures to protect your personal data.

We may use cookies and similar technologies to enhance your experience on our platform. You can manage your cookie preferences through your browser settings, though some features may not function properly with cookies disabled.

Your personal information will not be sold, rented, or shared with third parties except as necessary to provide our services or as required by law.

Payment for educational programs and services is due at the time of enrollment unless alternative arrangements have been made. We accept various payment methods as indicated on our platform during the checkout process.

Refund requests must be submitted within 14 days of purchase and before accessing more than 25% of the course content. Refunds are processed within 10-14 business days and will be returned to the original payment method.

Subscription services will automatically renew unless cancelled at least 48 hours before the renewal date. You can manage your subscription settings through your account dashboard.

loravianquex provides educational services "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure at all times.

To the maximum extent permitted by law, loravianquex shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, regardless of the theory of liability.

Our total liability for any claims arising from or related to these terms or our services shall not exceed the amount you paid to loravianquex in the twelve months preceding the claim.

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of our platform will be subject to the exclusive jurisdiction of the courts of England and Wales.

Before initiating formal legal proceedings, we encourage users to contact us directly to resolve any concerns or disputes. Many issues can be resolved through direct communication and good faith negotiation.

If a formal dispute arises, both parties agree to first attempt resolution through mediation before pursuing litigation. Any legal proceedings must be commenced within one year of the event giving rise to the dispute.