Terms and Conditions of Service

Service Agreement Overview

These terms and conditions govern your use of miravonquelari's financial planning subscription service. By accessing our website or using our services, you agree to be bound by these terms.

Your continued use of our services constitutes acceptance of these terms and any future modifications.

August 9, 2025

Important Definitions and Terms

The following terms have specific meanings when used in this agreement

• Service: Refers to miravonquelari's financial planning subscription service, including consultations, analysis, and guidance provided through our platform
• User/Subscriber: Any individual who accesses our website, subscribes to our service, or participates in our financial planning consultations
• Content: All information, materials, analysis, recommendations, and intellectual property provided through our service
• Agreement: These terms and conditions, along with our privacy policy and other referenced policies

Terms Acceptance and Eligibility

By using our service, you represent that you have read, understood, and agree to be bound by these terms and all applicable laws and regulations.

You must be at least 18 years old and legally capable of entering into binding agreements to use our services.

Acceptable Use of Our Services

Your use of our financial planning service must comply with the following guidelines and restrictions

Permitted Uses

• Accessing consultations and guidance for personal financial planning purposes
• Using provided materials for your individual financial decision-making
• Communicating with our team about your subscription and service-related matters

Prohibited Uses

• Sharing account credentials or allowing unauthorized access to your subscription
• Using our service for commercial purposes or reselling our content
• Attempting to reverse-engineer, copy, or reproduce our proprietary methods
• Violating any applicable laws or regulations while using our service
• Transmitting harmful, offensive, or illegal content through our platform

Your Responsibilities as a Subscriber

As a subscriber to our financial planning service, you agree to the following responsibilities

• Providing accurate and complete information about your financial situation
• Maintaining the confidentiality of your account credentials and login information
• Using our guidance responsibly and making independent financial decisions
• Notifying us promptly of any changes to your contact information
• Complying with all applicable laws and regulations in your jurisdiction

Intellectual Property and Content Rights

All content, materials, methodologies, and intellectual property provided through our service remain the exclusive property of miravonquelari and are protected by copyright and other intellectual property laws.

We grant you a limited, non-exclusive license to use our content solely for your personal financial planning purposes during your active subscription.

You may not copy, distribute, modify, or create derivative works from our content without explicit written permission.

Privacy and Data Protection

Your privacy is important to us, and we are committed to protecting your personal information in accordance with applicable data protection laws.

For detailed information about how we collect, use, and protect your data, please review our Privacy Policy Privacy Policy

Subscription Payment Terms

Your subscription to our financial planning service is subject to the following payment terms and conditions

• Monthly subscription fees are charged in advance and are non-refundable
• Prices are subject to change with 30 days advance notice to subscribers
• Failed payments may result in service suspension until payment is resolved
• All fees are exclusive of applicable taxes, which are your responsibility

For current pricing information and plan details, please visit our Pricing Page

Service Termination Conditions

Either party may terminate the subscription service under the following conditions

You may cancel your subscription at any time through your account settings or by contacting our support team

We may terminate your subscription immediately if you violate these terms, including

• Misuse of our service or violation of acceptable use policies
• Providing false or misleading information during registration
• Failure to pay subscription fees or other charges

Service Disclaimers and Warranties

Our financial planning service is provided with the following important disclaimers and limitations

We provide our service "as is" without warranties of any kind, and we do not guarantee specific financial outcomes or results from using our guidance.

Liability Limitations

Our liability for any claims related to our service is limited to the amount you paid for your subscription in the twelve months preceding the claim.

We exclude liability for indirect, consequential, or punitive damages, including lost profits or business opportunities.

In no event shall our total liability exceed the subscription fees paid by you in the preceding twelve months.

User Indemnification Agreement

You agree to indemnify and hold harmless miravonquelari from any claims, damages, or expenses arising from your use of our service, violation of these terms, or infringement of third-party rights.

Dispute Resolution Procedures

Any disputes arising from these terms or our service will be resolved through the following procedures

Certain disputes involving intellectual property rights or injunctive relief may be resolved in courts of competent jurisdiction.

Governing Law and Jurisdiction

Federal regulations governing financial services and consumer protection laws supersede conflicting state provisions.

These terms are governed by United States federal law and the laws of the state where our business is registered, without regard to conflict of law principles.

Terms Modification Policy

We reserve the right to modify these terms at any time to reflect changes in our service, legal requirements, or business practices.

Material changes will be communicated through email or website announcements at least 30 days before taking effect.

Terms Severability

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

Complete Agreement

These terms, together with our privacy policy and other referenced documents, constitute the entire agreement between you and miravonquelari regarding our services.

Terms and Service Contact

For questions about these terms or our services, please contact us using the information provided in our contact section.