1. Acceptance and Scope

These Terms of Use create a binding legal agreement between you and nethyrios. They apply to all interactions with our platform, including but not limited to browsing our website, accessing educational content, participating in programs, and communicating with our team.

Our services are intended for individuals who are genuinely interested in developing their relationship with money and financial wellness. We work with people from various backgrounds and financial situations, and we don't discriminate based on current financial status or experience level.

By creating an account or engaging with our services, you represent that you're at least 18 years old and have the legal capacity to enter into binding agreements. If you're accessing our services on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

2. User Accounts and Registration

Account Creation

Some features of our service require you to create an account. When you register, you agree to provide accurate, current, and complete information. It's your responsibility to keep this information updated.

• You must provide a valid email address and create a secure password
• You're responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized access to your account
• You're responsible for all activities that occur under your account
• You may not share your account with others or create multiple accounts

Account Security

We take security seriously, but you play a crucial role in protecting your account. Choose a strong password that you don't use elsewhere. Don't share your login information with anyone, even if they claim to be from our team – we'll never ask for your password.

If you suspect any security breach or unauthorized access, contact us immediately at help@nethyrios.com. We'll work with you to secure your account and investigate the issue.

3. Educational Services and Content

Nature of Our Services

nethyrios provides educational content and coaching focused on money mindset development. Our services are designed to help you explore your relationship with money, identify limiting beliefs, and develop healthier financial perspectives.

Our educational materials include articles, videos, worksheets, courses, and coaching sessions. These resources are based on our experience and research in money psychology, but they're not substitutes for professional financial planning or mental health services.

Program Enrollment

When you enroll in one of our programs, you're committing to active participation. We design our programs to be experiential and require your engagement to be effective. Program schedules, curriculum, and formats are subject to change based on participant needs and program development.

• Programs have specific start dates and durations that you agree to when enrolling
• You're expected to complete assignments and participate in group sessions as scheduled
• We may modify program content or delivery methods to enhance learning outcomes
• Missed sessions may not be rescheduled depending on program structure

No Guarantees of Specific Outcomes

We're passionate about this work and we've seen meaningful shifts in our clients' lives. That said, we can't guarantee specific results. Your experience depends on many factors including your commitment, openness to the process, and personal circumstances.

Individual results vary significantly. What works beautifully for one person might not resonate with another. We're here to guide and support you, but the actual work of changing your money mindset happens within you.

4. Intellectual Property Rights

Our Content and Materials

Everything you see on our website and in our programs – the text, images, videos, worksheets, course materials, and other content – is protected by copyright and other intellectual property laws. We or our licensors own all rights to this content.

When you access our services, we grant you a limited, non-exclusive, non-transferable license to use our materials for your personal development only. This means you can:

• Access and view content on our platform for your personal use
• Download materials we specifically make available for download
• Print copies of materials for your own reference
• Take notes and create personal reflections based on our content

What You Cannot Do

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit our content without explicit written permission. This includes:

• Sharing course materials with people who aren't enrolled in the program
• Recording video sessions without permission
• Using our materials in your own coaching or educational programs
• Posting our content on social media or other websites
• Removing copyright notices or branding from our materials

Your Content

When you share content through our platform – whether it's in discussion forums, feedback forms, or communications with us – you grant us a license to use that content. We need this to provide our services effectively and to improve our programs based on participant experiences.

You retain ownership of anything you create, but by sharing it with us, you give us permission to use it for operational purposes, service improvement, and potentially as anonymized examples in our educational materials.

5. User Conduct and Responsibilities

Expected Behavior

We've built a community focused on personal growth and mutual support. To maintain this environment, we expect all users to conduct themselves with respect and integrity. Our programs work best when everyone feels safe to explore vulnerable topics around money.

You agree to use our services in ways that are lawful and respectful of others. This includes respecting the privacy and experiences of fellow participants, engaging thoughtfully in discussions, and approaching the work with genuine interest in your own development.

Prohibited Activities

The following activities are strictly prohibited on our platform:

• Harassing, threatening, or intimidating other users or our team members
• Sharing others' personal information or experiences without permission
• Promoting your own products or services to other participants
• Attempting to hack, disrupt, or compromise our platform's security
• Using automated systems to access our services without authorization
• Impersonating others or misrepresenting your identity
• Sharing illegal content or content that violates others' rights
• Attempting to circumvent payment systems or access controls

Community Guidelines

In group settings, we maintain specific community standards. Be respectful of different perspectives and experiences. What's true for you might not be true for someone else, and that's okay. Listen more than you speak. Keep confidential what others share in the group.

If someone's behavior makes you uncomfortable or violates these guidelines, please let us know. We take these matters seriously and will address them promptly and appropriately.

6. Payment Terms and Refund Policy

Pricing and Payment

Our pricing is displayed on our website and may vary by program or service. All prices are in Australian dollars unless otherwise stated. You agree to pay the fees for services you purchase, including any applicable taxes.

We accept various payment methods as indicated during checkout. Payment is required before accessing paid programs or services. If you choose a payment plan, you authorize us to charge your payment method according to the agreed schedule.

Refunds and Cancellations

We want you to be genuinely engaged with our work, not stuck in something that isn't right for you. Our refund policy varies by service type:

• Digital products may be refundable within 14 days if you haven't accessed significant portions of the content
• Program enrollments may be refundable up to 7 days before the program start date
• Individual sessions must be cancelled at least 48 hours in advance for a refund or rescheduling
• Some specialty programs may have different refund terms disclosed at enrollment

Billing Disputes

If you notice an incorrect charge or have questions about billing, contact us at help@nethyrios.com within 30 days. We'll review the issue and work with you to resolve it fairly. Please include your order details and a description of the concern.

Chargebacks filed without first attempting to resolve the issue with us may result in immediate suspension of your account and access to services.

7. Privacy and Data Protection

Your privacy matters to us. We collect and use your personal information in accordance with our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand how we handle your data.

When you use our services, you may share sensitive information about your financial beliefs, experiences, and goals. We treat this information with care and confidentiality, using it only to provide our services and improve your experience.

Communications

By using our services, you consent to receive communications from us via email, SMS, or through our platform. These may include service updates, educational content, program reminders, and occasional promotional messages.

You can opt out of promotional communications at any time using the unsubscribe link in emails or by contacting us. Note that you'll still receive essential communications related to your account and services you've purchased.

8. Disclaimers and Limitations of Liability

Service Availability

We strive to keep our platform accessible and functional, but we can't guarantee uninterrupted access. Technical issues, maintenance, or circumstances beyond our control may temporarily affect service availability. We're not liable for any inconvenience or losses resulting from service interruptions.

No Warranties

Our services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We don't warrant that our services will meet your specific needs or expectations, that they'll be error-free, or that results will be achieved.

Limitation of Liability

To the maximum extent permitted by law, nethyrios and its team members, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

Our total liability to you for any claims arising from your use of our services is limited to the amount you paid us in the 12 months preceding the claim.

Third-Party Links and Services

Our platform may contain links to third-party websites or integrate with third-party services. We're not responsible for the content, privacy practices, or reliability of these external resources. Your use of third-party services is at your own risk and subject to their terms and conditions.

9. Term and Termination

Term

These Terms of Use remain in effect for as long as you use our services. Your obligations under these terms continue even after termination where specified.

Your Right to Terminate

You can stop using our services at any time. If you want to formally close your account, contact us at help@nethyrios.com. Note that terminating your account doesn't automatically entitle you to refunds – refunds are subject to our refund policy outlined above.

Our Right to Terminate

We reserve the right to suspend or terminate your access to our services if you violate these Terms of Use, engage in prohibited conduct, or if we believe your actions pose a risk to us, our services, or other users.

We may also discontinue services or features at our discretion. Where possible, we'll provide reasonable notice of significant changes or discontinuations that affect your access to purchased services.

Effect of Termination

Upon termination, your right to use our services immediately ceases. Provisions of these terms that by their nature should survive termination will remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

10. Dispute Resolution

Informal Resolution

If you have a concern or dispute with us, please contact us first. Most issues can be resolved through direct communication. We're genuinely interested in understanding your concerns and finding a fair solution.

Reach out to help@nethyrios.com with a detailed description of the issue. We'll respond within 5 business days and work with you toward resolution.

Governing Law

These Terms of Use are governed by the laws of New South Wales, Australia, without regard to conflict of law provisions. You agree to submit to the exclusive jurisdiction of courts located in New South Wales for any disputes arising from these terms or your use of our services.

Arbitration

If we can't resolve a dispute through informal means, you agree that disputes will be resolved through binding arbitration rather than in court, except where prohibited by law. Either party may seek injunctive relief in court if necessary to prevent irreparable harm.

Arbitration will be conducted by a single arbitrator in accordance with Australian commercial arbitration rules. The arbitrator's decision is final and binding, and judgment on the award may be entered in any court having jurisdiction.

11. General Provisions

Changes to Terms

We may update these Terms of Use periodically to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we'll notify you via email or through a prominent notice on our platform.

Your continued use of our services after changes take effect constitutes acceptance of the revised terms. If you don't agree with the changes, you should stop using our services.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any additional terms specific to certain services, constitute the entire agreement between you and nethyrios regarding use of our services.

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary while the remaining provisions remain in full effect.

No Waiver

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.

Assignment

You may not assign or transfer these terms or your rights and obligations under them without our written consent. We may assign these terms in connection with a merger, acquisition, or sale of assets, or by operation of law.

Force Majeure

We're not liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or internet service disruptions.