Acceptance of Terms

By accessing or using railteliadioum's website and services, you agree to be bound by these Terms of Use. If you don't agree with any part of these terms, you shouldn't use our services.

We're based at 54 Perry St, West Mackay QLD 4740, Australia, and operate under Australian law. These terms apply to everyone who visits our site, whether you're just browsing or enrolled in our programs.

We update these terms occasionally to reflect changes in our services or legal requirements. The date at the top tells you when we last made changes. Continuing to use our services after updates means you accept the new terms.

Educational Services

railteliadioum provides financial education focused on creative business management. Our programs start in late 2025 and early 2026, giving you time to prepare for your learning journey.

• Course materials are for your personal educational use only
• You can't share, sell, or redistribute our content without permission
• Program outcomes depend on individual effort and circumstances
• Completion doesn't guarantee specific career or financial results

We design our courses based on current financial practices and industry standards. But financial markets change, and what's relevant today might need adjustment tomorrow. That's why we focus on fundamental principles rather than quick fixes.

User Responsibilities

When you use our services, you're responsible for maintaining the confidentiality of your account information. Don't share login credentials with others.

• Provide accurate information during registration
• Keep your contact details current so we can reach you
• Respect intellectual property rights of course materials
• Engage respectfully with instructors and other learners
• Follow Australian laws and regulations in your use of our services
• Report any technical issues or security concerns promptly

If you violate these terms or engage in disruptive behavior, we might suspend or terminate your access. We'd rather not do that, so please be considerate of the learning community.

Payment and Refund Policy

Program fees are clearly stated before enrollment. Payments are processed through secure systems that comply with Australian financial regulations.

We offer a 14-day cooling-off period from the date of enrollment. If you change your mind within this window and haven't accessed significant course content, you can request a full refund.

After the cooling-off period, refunds are considered on a case-by-case basis. Things like medical emergencies or unexpected life circumstances are taken seriously. But we can't offer refunds simply because a program didn't meet unrealistic expectations.

If you're struggling financially after enrollment, talk to us. We might be able to arrange a payment plan or other accommodation. We'd rather work with you than lose you as a student.

Intellectual Property Rights

Everything on our website and in our courses belongs to railteliadioum or our content partners. This includes text, graphics, videos, audio files, and software.

What You Can Do:

Access and view materials for personal educational purposes. Download resources we explicitly make available for offline study. Take notes and create personal study materials based on course content.

What You Can't Do:

Copy or redistribute course materials to others. Record, screenshot, or share webinar content without permission. Remove copyright notices or attribution information. Use our content for commercial purposes.

If you want to reference our materials in your own work, just ask. We're usually happy to grant permission for reasonable educational or professional uses.

Limitation of Liability

We put significant effort into creating quality educational content. But we're educators, not fortune tellers. We can't guarantee specific outcomes from our programs.

Your success depends on many factors beyond our control: your existing knowledge, time commitment, business environment, and sometimes just plain luck. What works brilliantly for one creative business might not suit another.

To the extent permitted by Australian law, railteliadioum isn't liable for indirect, consequential, or incidental damages arising from your use of our services. This includes lost profits, data loss, or business interruption.

If we are found liable for something, our total liability is limited to the amount you paid for the specific service in question. This might sound harsh, but it's a standard protection that lets us keep offering education at reasonable prices.

Privacy and Data Protection

We collect personal information necessary to provide our services. This includes contact details, payment information, and data about how you use our platform.

We're serious about protecting your privacy. Our systems use encryption and secure storage. We don't sell your data to third parties. We don't send spam.

Under Australian privacy law, you have rights to access, correct, or delete your personal information. You can request a copy of what we hold about you. If something's wrong, we'll fix it promptly.

We use cookies and similar technologies to improve site functionality. You can control cookie settings in your browser, though some features might not work properly if you block everything.

Third-Party Services

Our website might link to external resources or integrate third-party tools. These external services have their own terms and privacy policies.

We choose partners carefully, but we're not responsible for their content or practices. When you click through to another site, you're subject to their rules, not ours.

Some course materials reference external tools, software, or platforms. We don't endorse specific products unless we explicitly say so. References are educational examples, not recommendations.

Termination and Suspension

You can stop using our services anytime. Just let us know if you want to formally close your account. We'll delete or anonymize your data according to our privacy policy and legal obligations.

We reserve the right to suspend or terminate accounts that violate these terms. Before taking action, we'll usually issue a warning and give you a chance to correct the issue.

• Immediate termination applies for severe violations like fraud or harassment
• Repeated minor violations might result in suspension after warnings
• Technical abuse like attempting to hack systems leads to immediate termination
• If we terminate your account for cause, refunds are unlikely

If we discontinue a program you've enrolled in, we'll provide reasonable notice and either offer an alternative or issue a prorated refund.

Dispute Resolution

If something goes wrong, talk to us first. Most issues get resolved through simple conversation. Contact us at help@railteliadioum.com or call +61394788211.

These terms are governed by the laws of Queensland, Australia. Any disputes that can't be resolved informally would be subject to the jurisdiction of Queensland courts.

Before pursuing legal action, consider mediation. It's faster, cheaper, and less stressful than court proceedings. We're willing to participate in good-faith mediation for serious disputes.

Changes to Services

We're constantly improving our educational offerings. This means course content, platform features, and program structures might change.

If we make significant changes to a program you're enrolled in, we'll notify you in advance. You'll have the option to continue with the updated version or withdraw with a prorated refund.

We might occasionally need to suspend services for maintenance or technical issues. We'll minimize disruption and provide advance notice when possible.

General Provisions

If any provision of these terms is found unenforceable, the remaining provisions continue in full effect. We're not waiving our rights just because we don't immediately enforce every violation.

These terms constitute the entire agreement between you and railteliadioum regarding use of our services. They supersede any prior agreements or understandings.

You can't transfer your rights or obligations under these terms without our written consent. We can assign our rights and obligations to another entity, though we'd notify you if that happens.