Terms and Conditions

Agreement to Terms

These Terms and Conditions ("Terms") govern your use of the Mirqalivenoro website and services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

Effective Date: August 8, 2025

Acceptance of Terms

Your continued use of our services constitutes acceptance of these Terms and any subsequent modifications.

Service Description: Service Description

Service Description

Mirqalivenoro provides subscription-based financial planning consultations and analytical services. Our role is limited to providing guidance, analysis, and educational discussions about financial planning concepts and strategies.

We do not provide investment advice, manage assets, or sell financial products. All services are consultative and educational in nature.

User Responsibilities

As a user of our services, you agree to

• • Provide accurate and complete information during consultations
• • Use our services only for lawful purposes
• • Maintain the confidentiality of your account credentials
• • Comply with all applicable laws and regulations
• • Respect the intellectual property rights of Mirqalivenoro and third parties

Prohibited Uses

You may not use our services to

• • Engage in any fraudulent, deceptive, or illegal activities
• • Transmit harmful, offensive, or inappropriate content
• • Attempt to gain unauthorized access to our systems
• • Interfere with the proper functioning of our services
• • Violate the rights of other users or third parties
• • Use our services for commercial purposes without authorization

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services remain the exclusive property of Mirqalivenoro or its licensors.

We grant you a limited, non-exclusive, non-transferable license to use our services for personal financial planning purposes only.

Privacy Policy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Privacy Policy: Please review our Privacy Policy for detailed information about our data practices

Payment and Subscription Terms

Subscription services are provided on the following terms

• • Monthly subscription fees of $250 are billed in advance
• • All fees include applicable GST and are non-refundable
• • Representative APR varies based on service package selected
• • Subscription may be cancelled with 30 days written notice

Termination

Either party may terminate the service relationship with 30 days written notice. We reserve the right to suspend or terminate services immediately for violation of these Terms.

Upon termination, your access to services will cease, but these Terms will remain in effect for any outstanding obligations.

Disclaimers and Limitations

Our services are provided for informational and planning purposes only. We make no guarantees about specific outcomes or results from using our services.

Limitation of Liability

To the maximum extent permitted by Australian law, our liability for any damages arising from these Terms or your use of our services is limited to the amount paid for services in the preceding 12 months.

We shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits or business opportunities.

User Indemnification

You agree to indemnify and hold Mirqalivenoro harmless from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

Dispute Resolution

Any disputes arising from these Terms will be resolved through the following process

Governing Law

These Terms are governed by the laws of Victoria, Australia, and applicable federal Australian law.

Any legal proceedings must be brought in the courts of Victoria, Australia.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Mirqalivenoro regarding your use of our services.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website.

We will notify users of material changes through email or website notices.

Contact Information

For questions about these Terms, please contact us using the information provided in our contact section