Acceptance and Scope

These terms apply to all visitors, users, and others who access our website at berkelex.pro. By using our services, you confirm that you're at least 18 years old and have the legal capacity to enter into this agreement. If you're accessing our services on behalf of an organisation, you represent that you have authority to bind that entity to these terms.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after changes are posted means you accept the modified terms. We recommend checking this page regularly, though we're not obligated to notify you of changes.

Services and Educational Content

Berkelex provides financial education focused on long-term investment principles. Our services include educational programmes, resources, and information about investment strategies suitable for the Australian market.

All content provided through our platform is for educational purposes only. Nothing on our website constitutes financial advice, and we don't provide personalised investment recommendations. You should consult with a qualified financial adviser before making any investment decisions.

Programme Participation

When you enrol in our learning programmes, you gain access to course materials, resources, and scheduled sessions. Programme start dates are typically scheduled for autumn 2025 or early 2026, with specific dates communicated during enrolment.

We don't guarantee any specific educational outcomes, career placements, or financial returns from applying knowledge gained through our programmes. Success depends on individual effort, market conditions, and factors outside our control.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information when creating an account or enrolling in programmes
• Maintain the security of your account credentials and notify us immediately of any unauthorised access
• Use our services only for lawful purposes and in accordance with these terms
• Respect intellectual property rights in all content and materials we provide
• Not attempt to interfere with the proper functioning of our website or services
• Not use our platform to distribute spam, malware, or other harmful content

You're responsible for all activity that occurs under your account. We recommend using a strong password and keeping your login information confidential.

Intellectual Property Rights

All content on our website, including text, graphics, logos, course materials, videos, and software, is owned by Berkelex or our content suppliers. This content is protected by Australian and international copyright laws.

You may access and use our content for personal, non-commercial educational purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any of our content without written permission.

Course Materials

Educational materials provided as part of our programmes are licensed to you for personal use during and after your enrolment. You may not share, sell, or distribute these materials to third parties. Recording live sessions without permission is prohibited.

Payment and Refund Policy

Programme fees are payable according to the payment schedule provided during enrolment. All fees are in Australian dollars and include GST where applicable.

We accept various payment methods as indicated during the enrolment process. Payment processing is handled securely through third-party payment providers who maintain their own terms and privacy policies.

Refund Conditions

Refund requests must be submitted in writing within 14 days of programme commencement. After this period, fees are non-refundable except in cases where we cancel a programme or fail to deliver promised content.

If you withdraw from a programme, refunds are calculated based on completed modules and administrative costs. No refunds are provided for programmes more than 30% completed.

Disclaimers and Limitations

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We don't warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components.

We make no representations about the accuracy, reliability, or completeness of content on our website. Market conditions change, and information that was accurate when published may become outdated.

Financial Information

Any financial information, market data, or investment examples provided through our platform are for educational illustration only. They don't constitute recommendations or advice tailored to your personal circumstances.

We're not responsible for losses resulting from decisions made based on information from our educational content. Always verify information independently and consult qualified professionals before making financial commitments.

Privacy and Data Protection

We collect and process personal information in accordance with our Privacy Policy and applicable Australian privacy laws. By using our services, you consent to our collection and use of information as described in our Privacy Policy.

We implement reasonable security measures to protect your personal information, but no method of transmission or storage is completely secure. You acknowledge that you provide information at your own risk.

Termination

We may suspend or terminate your access to our services at any time, with or without cause or notice. Grounds for termination include violation of these terms, fraudulent activity, or behaviour that we determine is harmful to our business or other users.

You may terminate your account at any time by contacting us. Upon termination, your right to access course materials may be revoked, though certain obligations under these terms survive termination.

Effect of Termination

Following termination, you must cease all use of our services and delete any downloaded materials. Provisions regarding intellectual property, disclaimers, limitations of liability, and dispute resolution continue to apply after termination.

Governing Law and Disputes

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

Before initiating formal legal proceedings, you agree to attempt to resolve disputes through good faith negotiation. If we can't resolve a dispute within 30 days, either party may pursue legal remedies.

Class Action Waiver

To the extent permitted by law, you agree to bring claims against us only in your individual capacity and not as part of any class or representative action. This doesn't affect your rights under Australian Consumer Law.

Third-Party Links and Services

Our website may contain links to third-party websites or services that aren't owned or controlled by Berkelex. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites.

We don't endorse or make representations about third-party websites. Your use of third-party services is at your own risk, and you should review their terms and policies.

General Provisions

If any provision of these terms is found unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the terms otherwise remain in full force and effect.

Our failure to enforce any right or provision of these terms doesn't constitute a waiver of that right or provision. These terms constitute the entire agreement between you and Berkelex regarding use of our services.

Assignment

We may assign our rights and obligations under these terms without restriction. You may not assign your rights or obligations without our prior written consent. Any attempted assignment in violation of this provision is void.