Terms of Service

Effective Date: 13 October 2025

These Terms of Service ("Terms") govern your access to and use of the website, platform, and services provided by miranotelo.world, an informational platform offering financial education resources in Australia. By using our services, you agree to be bound by these Terms. If you do not agree, please do not use our platform.

1. Definitions

  • "miranotelo.world", "we", or "us" refers to miranotelo.world, a provider of financial education tools and resources.
  • "You" or "user" refers to any individual or entity using our services.
  • "Services" include our website, financial planning tools, educational content, and customer support.

2. Eligibility Requirements

To access our services, you must:

  • Be at least 18 years old.
  • Reside in a jurisdiction where our services are permitted, excluding restricted regions such as the United States or Canada.
  • Provide accurate and complete information during registration.
  • Comply with all applicable Australian laws, including those under the *Corporations Act 2001*.

3. Account Creation

To use certain features of our platform, you may need to create an account and provide personal or financial information for verification, in line with ASIC requirements. You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.

4. Use of Services

By using our services, you agree to:

  • Use them solely for lawful purposes related to financial education and planning.
  • Refrain from fraudulent, abusive, or unauthorised activities, such as misusing tools or data.
  • Adhere to any applicable fees, as outlined on our website.

We reserve the right to suspend or terminate your account if you breach these Terms or engage in prohibited activities.

5. Risk Acknowledgment

Financial planning and investment decisions carry significant risks. Please review our Risk Disclaimer for more details. You acknowledge that:

  • You may lose some or all of your capital, particularly with high-risk strategies.
  • Past performance is not indicative of future results.
  • miranotelo.world does not provide personalised financial advice unless explicitly stated.

6. Fees and Payments

You agree to pay any applicable fees, such as subscriptions for premium tools or additional services, as outlined on our platform. We may update our fee structure with prior notice.

7. Intellectual Property

All content on our website and platform, including text, graphics, tools, and software, is owned by miranotelo.world or its licensors and is protected by Australian and international intellectual property laws. You may not reproduce, distribute, or modify our content without prior written permission.

8. Limitation of Liability

To the extent permitted by Australian law, including the *Australian Consumer Law*, miranotelo.world is not liable for:

  • Losses arising from financial decisions or use of our services.
  • Errors or delays in financial data or platform functionality.
  • Indirect, incidental, or consequential damages resulting from the use of our services.

9. Termination

We may suspend or terminate your account at our discretion, for example, due to breaches of these Terms, regulatory violations, or suspected fraudulent activity. You may close your account by contacting us, subject to resolving any outstanding obligations.

10. Governing Law

These Terms are governed by the laws of New South Wales, Australia. Any disputes will be resolved in the courts of Sydney, New South Wales.

11. Changes to These Terms

We may update these Terms periodically. Updates will be posted on this page with a new effective date. Continued use of our services indicates acceptance of the updated Terms.

12. Contact Us

If you have questions about these Terms, please contact us at:

Email: info@miranotelo.world
Phone: +61 2 8355 0988
Address: Level 5, 100 Market Street, Sydney NSW 2000, Australia