Welcome to miravaleptiq. These Terms of Use govern your access to and use of our
budgeting education platform, including all content, tools, courses, and
services offered through miravaleptiq.com. By accessing or using our website, you
acknowledge that you have read, understood, and agree to be bound by these
terms.
If you do not agree with any part of these terms, please discontinue use of
our platform immediately. We reserve the right to update these terms at any
time, and continued use following any changes constitutes acceptance of
those modifications.
Section 1
Acceptance and Scope of Agreement
These Terms of Use constitute a legally binding agreement between you
(referred to as "User", "you", or "your") and miravaleptiq (referred to as "we",
"us", or "our"). This agreement applies to all visitors, registered users,
students, and anyone who interacts with our educational content or
services.
By creating an account, enrolling in courses, or accessing any educational
materials on our platform, you represent that you are at least 18 years of
age or have obtained parental consent if younger. You also confirm that you
have the legal capacity to enter into this binding agreement under
applicable Australian law.
Section 2
Educational Services and Content
miravaleptiq provides educational content focused on personal budgeting skills,
financial literacy, and money management strategies. Our courses, articles,
tools, and resources are designed for educational purposes only and should
not be construed as professional financial advice.
Nature of Educational Content
All materials provided through our platform represent general
educational information. While we strive for accuracy and relevance,
financial situations vary significantly between individuals. You
acknowledge that:
- Our content does not constitute personalized financial advice or
consultation
- Individual results from applying budgeting techniques may vary
based on personal circumstances
- We recommend consulting qualified financial professionals for
specific advice regarding your situation
- Course completion does not guarantee specific financial outcomes or
improvements
Important Notice:
miravaleptiq is an educational platform. We do not provide investment advice,
tax guidance, or legal counsel. Our focus remains on teaching practical
budgeting skills and financial awareness to help you make more informed
decisions about your money.
Section 3
User Accounts and Registration
To access certain features of our platform, you may need to create an
account. Account creation requires providing accurate and current
information. You are responsible for maintaining the confidentiality of
your account credentials and for all activities that occur under your
account.
- You must provide truthful information during registration and keep your
profile details current
- You are solely responsible for protecting your password and login
information
- You must notify us immediately of any unauthorized access to your
account
- You may not share your account access with others or create multiple
accounts
- We reserve the right to suspend or terminate accounts that violate
these terms
Account access is personal and non-transferable. If we detect suspicious
activity or violations of our policies, we may temporarily restrict access
while investigating. You agree to cooperate with any security reviews we
conduct.
Section 4
Intellectual Property Rights
All content on the miravaleptiq platform, including but not limited to text,
graphics, logos, course materials, videos, software, and design elements,
is owned by or licensed to miravaleptiq. This content is protected by Australian
and international copyright, trademark, and other intellectual property
laws.
Permitted Use
We grant you a limited, non-exclusive, non-transferable license to
access and use our educational materials for personal learning purposes
only. You may:
- View and access course content through your registered account
- Download materials explicitly marked as downloadable for personal
reference
- Take notes and create personal study materials based on our content
Prohibited Actions
You explicitly agree not to:
- Copy, reproduce, or redistribute our course materials without
written permission
- Create derivative works based on our content for commercial
purposes
- Remove copyright notices or proprietary markings from any materials
- Use automated tools to scrape or download content from our platform
- Share login credentials or course access with unauthorized
individuals
- Record, screenshot, or capture course videos for distribution
Section 5
User Conduct and Responsibilities
When using our platform, you agree to conduct yourself respectfully and
lawfully. Your behavior should contribute positively to the learning
community we're building at miravaleptiq.
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Acceptable Behavior
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Prohibited Behavior
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Respectful communication with other learners
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Harassment, bullying, or discriminatory language
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Sharing personal budgeting experiences constructively
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Posting false or misleading financial information
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Asking genuine questions and seeking clarification
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Spamming forums or sending unsolicited messages
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Providing supportive feedback to peers
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Sharing harmful financial schemes or scams
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We maintain the right to remove any user-generated content that violates
these standards or disrupts the learning environment. Repeated violations
may result in permanent account suspension without refund.
Section 6
Payment Terms and Refund Policy
Some educational content and courses on miravaleptiq require payment. All fees
are displayed in Australian Dollars (AUD) and include applicable GST.
Payment processing is handled securely through third-party payment
processors.
Payment Obligations
When you purchase a course or subscription, you agree to provide
current and accurate payment information. You authorize us to charge
your selected payment method for all fees associated with your
purchase. Subscription services automatically renew unless cancelled
before the renewal date.
Refund Conditions
We offer a 14-day refund period from the date of purchase for most
courses, provided you have completed less than 25% of the course
content. Refund requests must be submitted through our contact form
with a valid reason. Some promotional or bundled offerings may have
different refund terms, which will be clearly communicated at the time
of purchase.
Refunds are not available for downloadable materials that have been
accessed or for one-on-one consultation sessions that have been
scheduled or completed.
Section 7
Privacy and Data Protection
Your privacy matters to us. We collect, use, and protect your personal
information in accordance with Australian privacy legislation, including
the Privacy Act 1988. Our detailed Privacy Policy explains what data we
collect, how we use it, and your rights regarding your information.
By using our platform, you consent to our collection and use of personal
information as described in our Privacy Policy. We implement reasonable
security measures to protect your data, though no online system can be
completely secure. You acknowledge that you provide information at your own
risk.
Data Security: We use
industry-standard encryption and security protocols to protect your
personal and payment information. However, you remain responsible for
maintaining the security of your own devices and internet connection
when accessing our platform.
Section 8
Disclaimers and Limitations of Liability
Our platform and educational content are provided "as is" without
warranties of any kind, either express or implied. While we work hard to
ensure accuracy and quality, we cannot guarantee specific learning outcomes
or financial results from applying the techniques taught in our courses.
- miravaleptiq does not warrant that our platform will be uninterrupted,
error-free, or completely secure
- We do not guarantee that our content will meet all your specific
educational needs
- Technical issues, maintenance, or external factors may occasionally
affect platform availability
- Information provided may become outdated as financial regulations and
practices evolve
- Third-party links or resources mentioned in our content are not under
our control or responsibility
Limitation of Liability
To the fullest extent permitted by Australian law, miravaleptiq and its
directors, employees, and partners shall not be liable for any
indirect, incidental, special, consequential, or punitive damages
arising from your use of our platform. This includes, but is not
limited to, financial losses resulting from decisions made based on our
educational content.
Our total liability for any claims related to these terms or your use
of our services shall not exceed the amount you paid to miravaleptiq in the
twelve months preceding the claim. Some jurisdictions do not allow
certain liability limitations, so some restrictions may not apply to
you.
Section 9
Modification and Termination Rights
We reserve the right to modify, suspend, or discontinue any aspect of our
platform at any time without prior notice. This includes adding or removing
courses, changing features, or updating educational content to reflect
current best practices in financial literacy.
We may terminate or suspend your access immediately, without prior notice,
if you violate these Terms of Use or engage in behavior that we determine
to be harmful to other users or our platform's integrity. Upon termination,
your right to access the platform ceases immediately.
Your Termination Rights
You may terminate your account at any time by contacting our support
team. Upon account closure, you will lose access to all purchased
content and any progress tracking. Termination does not automatically
entitle you to a refund unless you meet the conditions outlined in our
refund policy.
Section 10
Dispute Resolution and Governing Law
These Terms of Use are governed by and construed in accordance with the
laws of New South Wales, Australia. Any disputes arising from these terms
or your use of our platform shall be subject to the exclusive jurisdiction
of the courts of New South Wales.
Before initiating formal legal proceedings, we encourage you to contact us
directly to resolve any concerns. Many issues can be addressed through
direct communication, and we're committed to finding fair solutions when
problems arise.
Dispute Resolution Process
- Contact our support team at support@miravaleptiq.com describing your
concern in detail
- Allow us 14 business days to investigate and respond to your
complaint
- If unsatisfied with our response, you may escalate to mediation
through a neutral third party
- Only after exhausting these options should formal legal action be
considered
Section 11
Third-Party Services and Links
Our platform may contain links to third-party websites, tools, or services
that we believe may be useful for your financial education journey. These
external resources are not under our control, and we are not responsible
for their content, accuracy, privacy practices, or availability.
Including a link does not imply endorsement of the third-party service. You
access external sites at your own risk and should review their terms and
privacy policies before engaging with them or providing any personal
information.
Section 12
General Provisions
Severability
If any provision of these Terms of Use is found to be unenforceable or
invalid by a court of competent jurisdiction, that provision shall be
limited or eliminated to the minimum extent necessary so that the
remaining terms remain in full force and effect.
Entire Agreement
These Terms of Use, together with our Privacy Policy and any additional
terms presented at the time of purchase, constitute the entire
agreement between you and miravaleptiq regarding your use of our platform.
These terms supersede any prior agreements or understandings, whether
written or oral.
No Waiver
Our failure to enforce any right or provision of these terms shall not
constitute a waiver of that right or provision. Any waiver must be in
writing and signed by an authorized representative of miravaleptiq.
Assignment
You may not assign or transfer these terms or your account to any third
party without our prior written consent. We may assign our rights and
obligations under these terms to any party at our discretion,
particularly in the event of a merger, acquisition, or sale of assets.
