Acceptance and Scope

When someone visits vorlino.pro or engages with our financial discipline resources, they enter a space governed by specific expectations. These aren't traditional user agreements — they're practical boundaries that shape how learning happens here and what responsibilities fall on different participants.

Accessing any part of this platform means you've read what follows and understand its implications. That includes browsing course descriptions, downloading materials, participating in discussions, or signing up for programs. Once someone starts engaging, these terms become active.

We reserve the right to modify these terms when circumstances require. Major shifts in our educational approach or legal requirements might trigger updates. When changes occur, the revision date at the top moves forward. Continuing to use the site after modifications go live signals acceptance of the new framework.

Platform Access Conditions

Several baseline requirements determine who can meaningfully participate. Age represents the first threshold — users must be at least 18 years old or accessing under direct guardian supervision. Financial education carries implications that require adult decision-making capacity.

Account Integrity Standards

Creating an account establishes a relationship built on accurate information. Registration details should reflect reality — false names, borrowed email addresses, or fabricated backgrounds undermine the entire learning ecosystem. Each person gets one account. Multiple profiles from the same individual create confusion and compromise tracking of individual progress.

We monitor usage patterns for anomalies. Automated access tools, scrapers, or bots trigger immediate suspension. The platform was designed for human learners, not data extraction systems.

Educational Content Philosophy

Everything available through Vorlino — articles, videos, worksheets, calculators, forum discussions — exists to build financial understanding. This material represents accumulated experience teaching South Africans practical money management, not theoretical concepts disconnected from real life.

Content consumption happens under specific conditions. Materials can be viewed, downloaded for personal study, and referenced in private notes. What crosses boundaries: redistributing our courses on other platforms, repackaging lessons under different branding, or selling access to copied materials.

Intellectual Property Boundaries

Copyright protection covers original text, custom graphics, video presentations, and proprietary tools. Third-party elements included with permission remain owned by their original creators. The Vorlino name and logo carry trademark status within South Africa's financial education sector.

• Course videos can't be uploaded to YouTube or social platforms
• Worksheets shouldn't appear in other educators' paid programs
• Screenshots shared publicly must include proper attribution
• Educational tools can't be reverse-engineered for competing services

User Conduct Expectations

Financial education attracts people at vulnerable moments. Someone drowning in debt or recovering from poor investment decisions needs supportive guidance, not judgment or predatory behavior. The community standards here reflect that reality.

Prohibited activities include but extend beyond this list:

• Promoting get-rich-quick schemes or pyramid structures in forums
• Sharing unlicensed financial advice that requires professional certification
• Harassing other learners about their financial situations or past mistakes
• Attempting to recruit participants for outside business opportunities
• Posting malicious links or files disguised as helpful resources
• Impersonating instructors or claiming unauthorized credentials

Violations trigger responses scaled to severity. Minor issues might warrant private warnings, while serious breaches — like attempting to scam vulnerable community members — result in immediate permanent removal.

Payment and Enrollment Terms

Program fees appear clearly before enrollment. Prices reflect current South African Rand amounts including VAT where applicable. Payment processing happens through secure third-party systems that never expose full financial details to our servers.

Refund Framework

Programs offer a 14-day evaluation window from enrollment date. During this period, anyone unsatisfied with course content can request full reimbursement. After two weeks, fees become non-refundable since access to complete course materials has been granted.

Subscription-based access operates differently. Monthly plans can be cancelled anytime, stopping future charges while maintaining access through the current paid period. Annual subscriptions don't offer partial refunds for unused months if cancelled mid-year.

Technical issues preventing platform access don't count against the refund window. If someone enrolls but can't log in due to system problems on our end, the evaluation period starts when access gets restored.

Disclaimers and Limitations

Financial education differs fundamentally from financial advice. We teach concepts, tools, and decision-making frameworks. Applying these to individual circumstances requires personal judgment or consultation with licensed professionals.

Nothing presented through Vorlino constitutes guaranteed outcomes. Someone might complete every module perfectly yet still encounter financial setbacks due to life circumstances, economic shifts, or poor execution of sound principles. Building discipline takes time and often involves setbacks.

Liability Boundaries

We provide educational tools to the best of our ability but can't control how people apply them. Financial decisions — whether about budgeting, debt repayment, savings strategies, or investment approaches — ultimately rest with each individual.

The platform might experience occasional downtime during maintenance or due to technical issues. While we work to minimize disruptions, temporary access problems don't constitute grounds for compensation beyond extending access periods when outages affect paid services.

Maximum liability for any claim related to platform use caps at the amount paid for services during the twelve months preceding the claim. This ceiling applies regardless of whether issues stem from content errors, technical failures, or other sources.

Privacy and Data Handling

Personal information collected during registration or course participation serves specific purposes: delivering educational content, tracking progress, communicating updates, and improving program effectiveness. Financial details shared in exercises or forums remain confidential to the extent users keep them private.

Our separate Privacy Policy document covers data practices in full detail. Key points relevant here:

• Email addresses get used for course delivery and essential platform communications
• Progress data helps customize learning paths and identify struggling participants
• Forum posts become publicly visible to other enrolled users
• Payment information processes through third parties and isn't stored locally
• Anonymous usage analytics inform platform improvements

South African data protection regulations (POPIA) govern information handling. Users maintain rights to access their data, request corrections, and ask for deletion when legally permissible.

Third-Party Interactions

The platform occasionally links to external resources — government financial literacy sites, banking tools, budgeting calculators, or recommended reading. These links exist for educational convenience, not endorsement.

Once someone clicks through to another website, that site's terms and privacy practices take over. We can't monitor or control third-party content, and linking doesn't mean we've verified accuracy or security of external resources.

Some tools integrate third-party services directly — video hosting, payment processing, discussion platforms. These integrations function under the respective provider's terms alongside ours.

Termination Circumstances

Access to Vorlino continues as long as accounts remain in good standing. Several situations trigger suspension or permanent removal:

• Repeated violations of conduct standards after warnings
• Attempting to breach platform security or access restricted areas
• Commercial exploitation of educational materials
• Creating multiple accounts to abuse trial periods or evade restrictions
• Extended payment failures for subscription services

Users can close accounts voluntarily anytime through profile settings. Closure doesn't entitle refunds for unused subscription time or completed courses. Downloaded materials should be deleted after account termination since license to use them expires with access.

When we initiate termination for cause, notification goes to the registered email address with explanation. In cases involving security threats or legal violations, immediate suspension might occur before formal notice.

Dispute Resolution Process

Disagreements about these terms, platform functionality, or educational content should first route through our support system. Most issues resolve through direct communication once both parties understand the situation fully.

Unresolved disputes fall under South African law and jurisdiction. The specific venue depends on claim amounts and nature, following standard legal procedures within Gauteng province where Vorlino operates.

Before pursuing formal legal action, parties agree to attempt mediation through a neutral third party. This step often saves time and expense while reaching mutually acceptable solutions.

General Legal Provisions

If any section of these terms gets deemed unenforceable by a court, the remaining provisions continue operating normally. Unenforceable portions get modified minimally to become valid while preserving original intent.

Failing to enforce a provision immediately doesn't waive our right to enforce it later. Flexible application of rules in specific circumstances doesn't set permanent precedent for identical situations.

These terms can't be transferred to another party without explicit written consent. They bind both current users and anyone who later acquires Vorlino through business succession.

Questions about specific terms or situations not clearly addressed above should get directed to our legal contact. We prefer clarifying ambiguities before they become problems rather than arguing interpretations afterward.