These Terms of Service (“Terms”) govern your access to and use of our website located at lermaterias.com and related pages (collectively, the “Service”). By accessing or using the Service, you agree to these Terms and to our Privacy Policy, which explains how we collect, use, and disclose information.
If you do not agree to these Terms, do not use the Service. For questions, email [email protected].
Ler Materias publishes editorial, educational, and informational content. We are not a bank, lender, financial institution, investment adviser, or law firm. Nothing on the Service is financial, legal, tax, or investment advice. You should consult a licensed professional before making decisions.
We use artificial intelligence tools to assist in the creation and translation of content, including financial articles into English and other languages.
Every AI-assisted article is reviewed by a human editor before publication to ensure accuracy, clarity, and usefulness.
However, despite human review, errors may occur, and all information on this site should be used for informational purposes only.
The Service is intended for individuals 18 years of age or older. If you are under 18, do not use the Service.
When you create an account, you must provide accurate, current information and keep it updated. You are responsible for all activity under your credentials and for keeping your password secure. Notify us immediately of any unauthorized use.
We may refuse service, suspend, or terminate accounts at our discretion, subject to applicable law.
You are responsible for any content you submit, post, or make available via the Service (“User Content”). You represent you have all rights needed for your User Content and that it doesn’t infringe others’ rights or violate law.
By submitting User Content, you grant Ler Materias a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, modify (for formatting and display), publicly perform, publicly display, and distribute your User Content in connection with operating and improving the Service. We may remove or disable User Content that we believe violates these Terms or law.
The Service, including its text, graphics, logos, and software (automation), is owned by Ler Materias or our licensors and is protected by copyright, trademark, and other laws.
Some of the content published on the Service may be created with the assistance of third-party artificial intelligence tools. However, all such content is subject to human authorship, editorial review, and creative control before publication. As a result, the final published material constitutes original works owned by Ler Materias.
Except as expressly permitted, you may not copy, modify, distribute, sell, or lease any part of the Service without our prior written permission.
You may not use the Service:
We may monitor use of the Service to enforce these Terms.
We may send you service-related communications (e.g., account notices). Marketing emails/newsletters are opt-in only; we will send them only if you subscribe. You can unsubscribe at any time via email footer links or by contacting [email protected].
We comply with the Spam Act 2003 (Cth) and other applicable Australian laws.
The Service may link to third-party sites we don’t control. We are not responsible for their content or practices. Review any third party’s terms and privacy policy before using their services.
Affiliate Disclosure (if applicable): Some links may be affiliate links, and Ler Materias may earn a commission if you make a purchase. This does not affect our editorial independence.
If Ler Materias offers paid products or services, we may use third-party payment processors; you authorize us to share necessary information with them. Prices, availability, and descriptions may change.
To the extent permitted by law, all sales are final. However, nothing in these Terms limits your rights under the Australian Consumer Law, which provides guarantees that cannot be excluded.
We may use analytics providers to help us understand usage of the Service. See our Privacy Policy for details.
We respect intellectual property rights. If you believe that any material on the Service infringes your copyright, please notify us at [email protected] with details of the alleged infringement.
We will review and, if appropriate, remove or restrict access to the infringing content in accordance with the Copyright Act 1968 (Cth).
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, Ler Materias DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant the Service will be accurate, uninterrupted, secure, or error-free.
Nothing in these Terms excludes, restricts, or modifies any rights or remedies you may have under the Australian Consumer Law.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, Ler Materias AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.
Our total liability for any claim will not exceed the greater of AUD 100 or amounts you paid to us in the 12 months preceding the claim.
Some jurisdictions do not allow certain limitations; some of the above may not apply to you.
You agree to defend, indemnify, and hold harmless Ler Materias from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your User Content, your use of the Service, or your violation of these Terms or applicable law.
We may suspend or terminate your access at any time if we believe you’ve violated these Terms or law. You may stop using the Service at any time. Sections that by their nature should survive termination will survive (e.g., IP, disclaimers, liability limits, indemnity, governing law).
We may modify the Service and update these Terms from time to time. We will post the updated Terms with a new “Last updated” date. Your continued use after the update means you accept the changes.
These Terms are governed by the laws of the Commonwealth of Australia.
You agree to the exclusive jurisdiction of the courts of Australia for all disputes not subject to arbitration.
Our failure to enforce any provision isn’t a waiver. If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect.
These Terms constitute the entire agreement between you and Ler Materias regarding the Service and supersede prior or contemporaneous agreements on the subject.
Questions or concerns: [email protected]