Terms of Use
 
Effective Date: September 2025
Website: www.stratifiedlearning.com.au
Business Name: Stratified Learning (ABN: 46918705051)
 
1. Acceptance of Terms
By accessing and using this website, including the NavigateCR tool and any online courses, you agree to be bound by these Terms of Use. If you do not agree, you must not use our website or services.
 
2. Purpose of Website and Services
- The NavigateCR tool and other resources provided on this site are for informational and educational purposes only.
- They do not constitute professional, financial, medical, or legal advice.
- You are solely responsible for how you use the information provided.
 
3. Intellectual Property
- All content on this website, including text, graphics, logos, icons, videos, and software, is the property of Stratified Learning unless otherwise stated.
- You may not copy, distribute, reproduce, or create derivative works without our written permission.
- Schools, teachers, or course participants may use provided resources only for personal or internal educational use.
 
4. User Conduct
When using this website, you must not:
- Attempt to gain unauthorised access to any part of the website
- Use the site for unlawful purposes
- Post or transmit harmful code (e.g., viruses, malware)
- Copy, adapt, or resell our content without permission
 
5. Payments, Refunds and Consumer Guarantees
- All purchases are processed in Australian dollars (AUD).
- Stratified Learning complies with the Australian Consumer Law (ACL), which guarantees that our services will be provided with due care and skill.
- Refunds are only provided as required under the ACL or as set out in our Refund Policy.
 
6. Disclaimer and Limitation of Liability
- NavigateCR responses are generated for learning purposes only. We do not guarantee their accuracy or suitability for your situation.
- Stratified Learning, its owners, employees, and contractors are not liable for any loss, damage, or consequences arising from use of the website, NavigateCR, or related resources.
- To the maximum extent permitted by law, all warranties and conditions not expressly stated are excluded.
 
7. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and store personal information.
 
8. Third-Party Links
This website may contain links to third-party websites. Stratified Learning is not responsible for the content, accuracy, or practices of any linked sites.

9. Changes to Terms
We may update these Terms of Use at any time. Changes take effect immediately when published on this website.
 
10. Governing Law
These Terms are governed by the laws of New South Wales, Australia. Any disputes will be subject to the jurisdiction of the courts of New South Wales.

11. Contact Us
If you have any questions about these Terms of Use, please contact us at:
Email: contact@stratifiedlearning.com.au
Mailing Address: PO Box 111, Billinudgel NSW 2483