Terms and Conditions of Use
Read the following terms carefully before subscribing or using our site. By accessing our website, you agree to these conditions, which govern our services in Australia.
15 August 2025
Acceptance of Terms
Your use of our subscription financial planning service is subject to these published terms. Any updates or changes will be reflected here and communicated where required by law.
Definitions
These definitions clarify the terminology on this site and within our service agreements.
‘Service’ means the ongoing financial planning subscription described throughout the website.
‘Client’ means an individual, couple, or family subscribing to our service.
‘Advisor’ means our qualified staff providing consultation and support.
‘Subscription’ means a recurring monthly payment for service access.
Permitted Service Use
Our service is available for Australian residents seeking practical, ongoing financial planning support for personal use. Use must comply with all laws and these terms.
Eligibility
You must be at least 18 years old, an Australian resident, and able to enter into a legal agreement. Identity checks may be required during onboarding.
We do not work with international clients.
Your Responsibilities
Clients are expected to provide accurate information and act in good faith.
Prohibited Uses
Certain behaviours are strictly forbidden to protect clients and ensure integrity.
Intellectual Property Rights
All website content, brand names, and documents are protected by intellectual property law. You may not copy, reuse, or distribute materials without our written consent. Limited use for personal planning is allowed only within active subscriptions.
Subscriber Content Rights
Feedback or content submitted via our site may be used to improve our services, but individual details remain confidential unless authorised otherwise.
Retention of Subscriber Rights
Clients always retain ownership of their personal information, as outlined in the privacy policy.
Privacy and Data Use
Personal information is handled in line with the privacy policy below. Data is retained only as needed for service provision or as required by law.
View our privacy policyDisclaimer and Limitations
Review our disclaimer carefully for key limitations of liability and result.
Key Risk Notice
Planning decisions have risks—outcomes can vary and no particular result can be assured for any client.
Liability Limitations
We are not responsible for unintended consequences or losses resulting from service reliance. Clients must consult independently as required.
Indemnification
You agree to protect us from claims or losses related to misuse of our service, except in cases of proven gross negligence.
Resolving Disputes
We aim to resolve disputes in good faith and with open communication.
Arbitration
Most disputes can be resolved directly, but if needed, parties may appoint an agreed mediator or arbitrator within Australia.
Parties share arbitration fees unless otherwise agreed.
Online Dispute Resolution
Online dispute resolution services, regulated under Australian law, can be used if direct discussions fail.
Learn about our disclaimerSeverability
Any invalid provision does not affect the enforceability of the remaining terms.
Entire Agreement
These terms and relevant policies form the whole agreement between you and us.
Governing Law and Jurisdiction
Australian law governs all service agreements and the use of this website.
Ending Service
You may cancel your subscription at any time without penalty. We reserve the right to end services for abuse or non-payment.
Changes to Terms
Terms may be updated at our discretion. See the effective date for the most current version.
Contact us for questions
For any questions or requests regarding our terms, please reach out using the contact information below.
Contact Email: content@miranexitarioyra.com
Contact Phone: +61 2 0794 3225
Office Address: 265 King Street, Newcastle, NSW 2300 Australia
Date in Effect: 15 August 2025
Version: 3.0