Terms of Use

1. Acceptance and Scope

Your use of our website means you accept these terms in full. That includes when you're just browsing, when you're reading our educational content, and especially when you're participating in any courses or programs we offer.

We provide financial education focused on budgeting basics. What we don't provide is personalized financial advice, investment recommendations, or guarantees about your financial outcomes. Our content is educational – think of it as teaching you how to read a map rather than telling you exactly where to go.

2. User Accounts and Registration

Some parts of our site require an account. When you create one, you're responsible for keeping your login details secure. Don't share your password, and let us know immediately if you think someone else has accessed your account.

Account Information Requirements

• Provide accurate and current information during registration
• Update your details if anything changes
• You must be at least 18 years old to create an account
• One person per account – sharing accounts violates these terms
• We reserve the right to suspend or terminate accounts that violate our policies

If we notice suspicious activity on your account, we might temporarily restrict access while we sort things out. This protects both you and other users of our platform.

3. Educational Content and Intellectual Property

Everything you see on our site – the courses, articles, videos, worksheets, calculators – belongs to miralithova or our content partners. You're welcome to use these materials for your own learning, but you can't redistribute them, sell them, or claim them as your own work.

We update our content regularly based on current financial practices and regulations as of 2025. While we work hard to keep everything accurate, financial education evolves and you should always consider how information applies to your specific situation.

4. User Conduct and Community Guidelines

Our platform includes discussion forums and comment sections where learners can interact. These spaces work best when everyone participates respectfully and constructively.

Expected Behavior

Stay on topic when discussing budgeting and financial matters. Ask genuine questions and share real experiences that might help others. Respect that people come from different financial backgrounds and what works for one person might not work for another.

Prohibited Activities

• Posting spam, promotional content, or solicitations
• Sharing false or misleading financial information
• Harassing, threatening, or disrespecting other users
• Attempting to access other users' accounts or private information
• Uploading malicious code or attempting to disrupt the platform
• Impersonating miralithova staff or other users

We moderate our community spaces and remove content that violates these guidelines. Repeated violations will result in account suspension or termination.

5. Course Enrollment and Participation

When you enroll in one of our courses, you're committing to participate according to the course schedule and requirements. Most of our comprehensive programs run for periods of six to twelve months, with new cohorts beginning in mid-2025 and throughout 2026.

Completion and Certification

Some courses offer certificates of completion. These certificates verify that you participated in and completed a miralithova educational program. They don't represent professional qualifications or guarantees of financial outcomes.

You'll need to complete all required coursework and assessments to earn a certificate. Extensions may be available in specific circumstances – contact us if you're facing challenges that prevent you from completing on schedule.

6. Payment Terms and Refunds

Course fees are listed in Australian dollars and must be paid before you can access paid content. We accept various payment methods as indicated during checkout.

Our refund policy varies by course type. Free content and resources are provided as-is with no refund considerations. For paid courses, we offer a satisfaction period during the first two weeks – if the course isn't what you expected, contact us for a refund discussion.

After the initial satisfaction period, refunds become more complex. We've already allocated resources to your participation, but we also understand that circumstances change. Get in touch if you need to withdraw from a program – we'll work with you to find a fair solution.

7. Limitation of Liability and Disclaimers

Here's where we need to be very clear about what we can and cannot guarantee. Our educational content is designed to help you understand budgeting principles and develop better financial habits. What it cannot do is guarantee specific financial outcomes or replace professional financial advice tailored to your circumstances.

Service Availability

We work to keep our platform accessible and functional, but we can't promise uninterrupted service. Technical issues happen – servers go down, updates require maintenance, unexpected problems emerge. We'll do our best to minimize disruptions and communicate clearly when issues occur.

Third-Party Content and Links

Our site sometimes includes links to external resources or references third-party tools. We don't control these external sites and aren't responsible for their content, accuracy, or practices. When you click through to another site, you're subject to their terms and policies.

8. Privacy and Data Protection

We collect certain information when you use our site – what you'd expect like your name and email, plus usage data that helps us improve our educational content. Our separate Privacy Policy details exactly what we collect and how we use it.

Your personal information stays with us unless we have a legal obligation to share it or you've explicitly consented to sharing. We don't sell your data to third parties. When we use service providers for things like email delivery or payment processing, we ensure they have appropriate data protection measures in place.

Your Data Rights

You can request access to the personal information we hold about you. You can also ask us to correct inaccurate information, delete your data in certain circumstances, or restrict how we process it. These rights have some limitations based on legal requirements and legitimate business needs, but we'll always explain our reasoning if we can't fulfill a request.

9. Modifications to Terms and Services

These terms will change over time. Sometimes that's because regulations change, sometimes because we add new features, sometimes because we've learned better ways to explain our policies. When we make significant changes, we'll notify you through email or a prominent notice on the site.

Continuing to use our services after we've updated these terms means you accept the changes. If you don't agree with modified terms, you should stop using our platform. We know that's not ideal, but it's the clearest way to handle evolving agreements.

Service Changes

We might add new courses, retire old ones, adjust our teaching methods, or reorganize our content structure. These improvements are part of maintaining relevant and effective educational resources. Current students won't suddenly lose access to courses they've enrolled in, but the specific content or delivery might evolve.

10. Termination and Account Closure

You can close your account anytime by contacting us. We'll process your request and delete or anonymize your personal data according to our retention policies. Some information might need to be retained for legal or accounting purposes.

We can suspend or terminate accounts that violate these terms. We don't take this lightly – it's reserved for serious violations like harassment, fraud, or repeated policy breaches. If we do terminate an account, we'll typically provide notice and explanation unless the violation is particularly severe or poses risks to other users.

11. Governing Law and Dispute Resolution

These terms are governed by the laws of Queensland, Australia. Any disputes will be handled in Australian courts, specifically those with jurisdiction over Broadbeach, Queensland.

Before jumping to formal legal proceedings, let's talk. Most disagreements can be resolved through direct conversation. Contact us with your concerns and we'll work together to find a reasonable solution. Formal disputes are expensive and time-consuming for everyone – we'd rather invest that energy in improving our services.

Arbitration and Mediation

For disputes that can't be resolved through direct discussion, we're open to mediation or arbitration processes. These alternatives often provide faster and more cost-effective resolution than court proceedings, while still ensuring fair treatment for all parties.

12. Contact and Communication

Questions about these terms? Concerns about how they apply to your situation? We're here to clarify. The worst thing you can do is make assumptions about what these terms mean for you.

Reach us at info@miralithova.com or call +61755703003 during business hours. For written correspondence, our physical address is Shop 333 Pacific Fair Shopping Centre 2, 30 Hooker Blvd, Broadbeach QLD 4218, Australia.

When you contact us about terms-related matters, be specific about your question or concern. The more context you provide, the more helpful and accurate our response can be.