By accessing or using the morivanelthoqy platform at morivanelthoqy.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must discontinue use of our platform immediately.

These terms constitute a legally binding agreement between you and morivanelthoqy, a financial education platform operated from 261 Avenue St Thomas, Sainte-Marie, QC G6E 4E8, Canada. Your continued use of our services indicates your ongoing acceptance of these terms and any future modifications.

We reserve the right to modify these terms at any time. Changes become effective immediately upon posting to our website, and your continued use constitutes acceptance of the modified terms.

morivanelthoqy provides educational resources and training focused on financial model building techniques. Our platform offers learning materials, webinars, and structured programs designed to enhance your understanding of financial modeling concepts.

All content provided is for educational purposes only. We do not provide investment advice, financial planning services, or guarantee any specific outcomes from using our materials. Individual results may vary significantly based on your dedication, prior experience, and application of learned concepts.

As a user of our platform, you agree to:

• Provide accurate and complete information when creating your account
• Maintain the security of your login credentials and not share them with others
• Use the platform solely for legitimate educational purposes
• Respect intellectual property rights of all content provided
• Refrain from attempting to reverse engineer or duplicate our materials
• Not engage in any activity that disrupts or interferes with platform functionality
• Report any technical issues or suspicious activity promptly to our support team

You are responsible for all activity that occurs under your account. Any violation of these conduct requirements may result in immediate suspension or termination of your access without refund.

All content on the morivanelthoqy platform, including but not limited to text, graphics, videos, audio materials, software, and course materials, is protected by copyright and other intellectual property laws. This content is owned by morivanelthoqy or our licensed content providers.

You are granted a limited, non-exclusive, non-transferable license to access and use our materials solely for your personal educational use. You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content without express written permission.

Any materials you submit to our platform (such as questions, feedback, or assignments) become our property and may be used for educational or promotional purposes without compensation to you.

Program fees are clearly stated on our website and must be paid in full before accessing premium content. We accept major credit cards and process payments through secure third-party processors.

Refunds are available within 14 days of purchase, provided you have accessed less than 25% of the course content. Refund requests must be submitted in writing to info@morivanelthoqy.com with a detailed explanation of your circumstances.

All prices are subject to change without notice. Current pricing applies to new purchases only and does not affect existing subscriptions or one-time purchases.

We collect and process personal information in accordance with Canadian privacy laws and our Privacy Policy. This includes information you provide during registration, payment processing, and platform usage data.

Your personal information is used to provide our services, communicate with you about your account, and improve our platform. We do not sell your information to third parties, though we may share data with service providers who help us operate our platform.

You have the right to access, correct, or request deletion of your personal information. Contact us at info@morivanelthoqy.com to exercise these rights or if you have privacy-related concerns.

The morivanelthoqy platform and all content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our platform will be uninterrupted, error-free, or completely secure.

We are not liable for any indirect, incidental, special, or consequential damages arising from your use of our platform. Our total liability is limited to the amount you paid for our services in the 12 months preceding any claim.

You acknowledge that financial modeling is a complex field requiring significant study and practice. We make no guarantees about your ability to master these skills or achieve any specific career outcomes.

Either party may terminate this agreement at any time. You may close your account by contacting our support team. We may suspend or terminate your access for violation of these terms, non-payment, or other legitimate business reasons.

Upon termination, your right to access our platform ceases immediately. Content you've downloaded for personal use may be retained, but you must cease all other use of our materials.

Sections of these terms that by their nature should survive termination (including intellectual property rights, disclaimers, and dispute resolution) will remain in effect.