By accessing and using the omniquelirava website located at omniquelirava.com (the "Site"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Use constitute a legally binding agreement between you and omniquelirava, located at 16 Broadway, Finchfield, Wolverhampton WV3 9HQ, United Kingdom.

If you do not agree to abide by the above, please do not use this service. Your continued use of the Site following the posting of changes to these terms will mean you accept those changes.

Permission is granted to temporarily download one copy of the materials on omniquelirava's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• modify or copy the materials
• use the materials for any commercial purpose or for any public display (commercial or non-commercial)
• attempt to decompile or reverse engineer any software contained on omniquelirava's website
• remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by omniquelirava at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

omniquelirava provides educational content and resources focused on budget foundations and financial literacy. Our services are designed for educational purposes and personal development.

3.1 Course Access and Duration

Access to educational materials is provided for the duration specified in your enrollment agreement. Course availability may vary, and we reserve the right to modify or discontinue any course with reasonable notice.

3.2 Learning Outcomes

While we strive to provide comprehensive educational content, individual learning outcomes may vary based on personal commitment, prior knowledge, and application of learned concepts. We do not guarantee specific results or career advancement.

To access certain features of our Site, you may be required to create an account. When creating an account, you agree to provide accurate, current, and complete information about yourself as prompted by our registration form.

You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

We reserve the right to terminate accounts, edit or remove content, and cancel orders in our sole discretion.

You may not use our Site:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent security features of the Site

We reserve the right to terminate your use of the Site for violating any of the prohibited uses.

6.1 Our Content

The Site and its original content, features, and functionality are owned by omniquelirava and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 User-Generated Content

Our Site may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material. You are responsible for the content you post and warrant that you have all necessary rights to such content.

By posting content on our Site, you grant us a non-exclusive, worldwide, royalty-free license to use, modify, publicly perform, publicly display, reproduce, and distribute such content.

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Site. By using our Site, you agree to the collection and use of information in accordance with our Privacy Policy.

We implement appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information and data stored on our Site.

Payment for services is due according to the terms specified at the time of purchase. All fees are non-refundable except as expressly provided in our refund policy.

We reserve the right to change our prices at any time. Any price changes will be communicated to existing customers with reasonable advance notice.

You are responsible for providing current, complete, and accurate purchase and account information for all purchases made at our Site.

omniquelirava does not warrant that:

• The Site will be constantly available, or available at all
• The information on this Site is complete, true, accurate, or non-misleading
• The Site will be free from viruses or other harmful components
• The use of the Site will result in any particular outcome or achievement

In no event shall omniquelirava, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Site.

Our total liability to you for any claim arising out of or relating to these Terms or your use of the Site shall not exceed the amount you paid to us in the twelve months preceding the claim.

You agree to defend, indemnify, and hold harmless omniquelirava and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees).

We may terminate or suspend your account and bar access to the Site immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Site or contact us directly.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

These Terms shall be interpreted and governed by the laws of England and Wales, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Any disputes arising from these Terms or your use of the Site will be subject to the exclusive jurisdiction of the courts of England and Wales.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Site after any revisions become effective, you agree to be bound by the revised terms.