Your use of ulmorasyphi's services constitutes acceptance of these terms. We reserve the right to modify these terms at any time, and changes become effective immediately upon posting to our website. We'll notify enrolled participants of significant changes via email, but it's your responsibility to review these terms periodically.

Continued use of our services after modifications indicates acceptance of the updated terms. If you don't agree with changes, you should discontinue use of our services.

ulmorasyphi provides educational content, mentorship programs, and resources focused on startup finance and business development. Our services include online courses, workshops, consulting sessions, and access to our learning platform.

What We Offer

• Educational programs covering financial planning, fundraising strategies, and startup economics
• Access to recorded sessions, course materials, and downloadable resources
• Community forums and networking opportunities with fellow participants
• Optional one-on-one mentorship sessions (subject to availability and separate agreements)
• Updates and new content as we develop our curriculum

What We Don't Provide

Our services are educational in nature. We don't provide financial advice, investment recommendations, or guarantees about business outcomes. Any financial decisions you make based on our content are your sole responsibility.

When you use ulmorasyphi's services, you agree to certain standards of conduct. These aren't arbitrary rules – they help maintain a productive learning environment for everyone.

• Provide accurate information during registration and keep your account details current
• Maintain confidentiality of your login credentials and notify us immediately of unauthorized access
• Use our services for lawful purposes and in accordance with these terms
• Respect intellectual property rights of ulmorasyphi and other users
• Refrain from disruptive behavior in community forums or group sessions
• Not attempt to gain unauthorized access to any portion of our systems or services
• Not use automated systems or software to extract data from our platform

All content on ulmorasyphi.com – including text, graphics, videos, course materials, software, and design – is owned by ulmorasyphi or our content providers and protected by Australian and international copyright laws.

Your License

We grant you a limited, non-exclusive, non-transferable license to access and use our materials for personal educational purposes. This means you can:

• View and download course materials for your own learning
• Take notes and create personal study materials based on our content
• Participate in discussions and share insights within our community

Restrictions

You may not:

• Reproduce, distribute, or sell our course materials
• Share login credentials or allow others to access your account
• Remove copyright notices or proprietary markings from any materials
• Create derivative works without explicit written permission
• Use our content for commercial training or consulting purposes

We take copyright infringement seriously and will pursue legal action when necessary to protect our intellectual property.

All fees are listed in Australian Dollars and are subject to change. We'll notify you of price changes before they affect your enrollment.

Refund Process

To request a refund, email info@ulmorasyphi.com with your order number and reason for the request. We process refunds within 10 business days of approval. Refunds are issued to the original payment method.

We reserve the right to deny refund requests that don't meet our eligibility criteria or appear to abuse our refund policy.

Your privacy matters to us. We collect and process personal information in accordance with Australian Privacy Principles and our Privacy Policy.

Information We Collect

• Contact details provided during registration (name, email, phone)
• Payment information processed through secure third-party providers
• Usage data including course progress, quiz results, and engagement metrics
• Communications between you and our team
• Technical data such as IP addresses, browser types, and device information

How We Use Your Data

We use collected information to provide services, improve our programs, communicate about updates, and fulfill legal obligations. We don't sell your personal information to third parties.

You have the right to access, correct, or request deletion of your personal data by contacting us at info@ulmorasyphi.com.

Here's where we need to be clear about what we're not responsible for. These limitations protect both you and us from unrealistic expectations.

Educational Content Only

ulmorasyphi provides educational content and general information about startup finance. Our programs don't constitute professional financial advice, legal counsel, or investment recommendations. You should consult qualified professionals before making significant business or financial decisions.

No Guarantees

We don't guarantee specific outcomes from our programs. Business success depends on countless factors beyond education – market conditions, execution, timing, and individual circumstances all play roles. Your results will vary based on your unique situation.

Limitation of Liability

To the maximum extent permitted by law, ulmorasyphi and its directors, employees, and partners will not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. This includes loss of profits, data, or business opportunities.

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

Our platform integrates with various third-party services and may contain links to external websites. These integrations help us deliver better services, but they come with important disclaimers.

• Payment processing is handled by secure third-party providers who have their own terms and privacy policies
• Video hosting and content delivery may use external platforms
• Communication tools and forums may be powered by third-party software
• External links are provided for convenience and don't constitute endorsement

We're not responsible for the content, policies, or practices of third-party services. When you interact with these services, you're subject to their terms and conditions.

Either party may terminate this agreement under certain circumstances.

Your Right to Cancel

You may cancel your account at any time by contacting us or using the account settings on our platform. Cancellation takes effect at the end of your current billing period. You'll continue to have access until that date.

Our Right to Terminate

We may suspend or terminate your access immediately if you:

• Violate these terms or our community guidelines
• Engage in fraudulent activity or payment disputes
• Provide false information during registration
• Attempt to damage or disrupt our services
• Harass other users or our staff

Upon termination, your right to access our services ends immediately. Provisions regarding intellectual property, limitations of liability, and dispute resolution survive termination.

We prefer to resolve disagreements amicably. If issues arise, contact us first at info@ulmorasyphi.com. Most problems can be solved through direct communication.

Governing Law

These terms are governed by the laws of Western Australia. Any disputes will be subject to the exclusive jurisdiction of the courts in Perth, Western Australia.

Dispute Process

Before initiating legal proceedings, you agree to participate in good-faith negotiations for at least 30 days. If negotiations fail, disputes may be resolved through mediation before proceeding to court.

Each party bears its own costs for dispute resolution unless a court orders otherwise.

Entire Agreement

These terms, along with our Privacy Policy and any specific program agreements, constitute the entire agreement between you and ulmorasyphi regarding use of our services.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect. The unenforceable provision will be modified to reflect the parties' intention to the extent possible.

No Waiver

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

Assignment

You may not transfer or assign your rights under these terms without our written consent. We may assign our rights and obligations to any party at our discretion.

Force Majeure

Neither party is liable for delays or failures in performance resulting from circumstances beyond reasonable control, including natural disasters, government actions, or technical failures affecting internet infrastructure.

Legal documents can be confusing. If you have questions about these terms, need clarification, or want to discuss specific situations, we're here to help.

Don't hesitate to reach out – understanding your rights and obligations is important, and we'd rather answer questions than deal with misunderstandings later.