Legal Disclaimer

Last Updated: 02 September 2025

Version: 2.2

By visiting and using the Mintonna Reviews website (https://www.mintonnareviews.com), you agree to be bound by:

1.    This Legal Disclaimer; and

2.    Our Privacy Policy: https://www.mintonnareviews.com/home/privacy-policy/

If you do not agree, please discontinue use of the site immediately.

Table of Contents

1.    Plain‑Language Summary

2.    Nature and Purpose of Content

3.    No Reliance and No Guarantee of Results

4.    Monetization and Advertising

5.    External Links and Third‑Party Mentions

6.    Malicious Use and Misrepresentation

7.    Intellectual Property

8.    User Conduct

9.    Indemnification

10.  Disclaimer of Warranties and Limitation of Liability

11.  Release

12.  Modifications

13.  Privacy and Cookies

14.  Accessibility

15.  Governing Law and Severability

16.  Final Acknowledgment

1. Plain‑Language Summary

Mintonna Reviews is a personal blog sharing reflections on retirement, travel, and life in Australia from the perspective of the author.

I am not a retirement planner, financial adviser, health professional, or qualified expert in any field discussed here. I hope you enjoy the stories, but please make your own decisions about your life — use this site at your own risk.

2. Nature and Purpose of Content

1.    Content is for general informational and educational purposes only.

2.    It reflects personal views and experiences, not professional or expert advice.

3.    Reading or using this site does not create a client–advisor relationship.

4.    No guarantees are made regarding accuracy, completeness, or applicability.

3. No Reliance and No Guarantee of Results

1.    Do not rely on this content as professional advice.

2.    No outcome, benefit, or result is guaranteed.

3.    Use of this site is entirely at your own risk.

4. Monetization and Advertising

This website is monetized solely via Google AdSense, which automatically places advertisements and product‑related links. These placements are managed by Google and are not selected or influenced by Mintonna Reviews.

All editorial content is created independently and remains free from advertiser influence.

Mintonna Reviews does not participate in affiliate marketing, sponsored content arrangements, or paid product placements.

5. External Links and Third‑Party Mentions

1.    External links are provided for convenience only.

2.    Mintonna Reviews has no control over, and is not responsible for, the nature, content, accuracy, legality, or security of external sites.

3.    References to tools, services, products, or vendors do not imply endorsement.

6. Malicious Use and Misrepresentation

1.    Misuse, distortion, or misrepresentation of content is prohibited.

2.    Mintonna Reviews may pursue legal remedies against unlawful use.

7. Intellectual Property

1.    All original site content (text, graphics, layout, logos) is protected under copyright law.

2.    You may not copy, reproduce, republish, or distribute material without written consent, except for fair personal use.

8. User Conduct

By engaging with Mintonna Reviews, including posting comments, submitting content, or otherwise interacting with the site, you agree to:

A. Respectful Participation

·         Contribute only lawful, relevant, and respectful material.

·         Avoid language or content that is defamatory, obscene, harassing, hateful, discriminatory, or otherwise objectionable.

B. Prohibited Activities

·         Do not submit or transmit material that infringes any copyright, trademark, or other intellectual property rights.

·         Do not post false, misleading, or deceptive information.

·         Do not engage in spam, phishing, impersonation, or the use of automated scripts or bots to interact with the site.

C. Responsibility for Contributions

·         You are solely responsible for the content you submit.

·         Contributions do not necessarily reflect the views of Mintonna Reviews.

D. Licence to Use Submissions

·         By submitting content, you grant Mintonna Reviews a worldwide, royalty‑free, non‑exclusive, non‑transferable, revocable licence to store, display, and publish your material in connection with the site.

·         This licence ends when you remove your content or request its removal, except where retention is required by law or for legitimate business purposes.

E. Moderation Rights

·         All submissions are subject to review before publication.

·         We reserve the right to approve, reject, edit, or remove any content at our sole discretion, without notice.

·         We aim to apply these moderation rights consistently and in good faith.

9. Indemnification

You agree to indemnify and hold harmless Mintonna Reviews, its owner, and affiliates from and against all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

1.    Your use of the site;

2.    Your violation of these terms; or

3.    Your violation of any rights of another person or applicable law.

10. Disclaimer of Warranties and Limitation of Liability

1.    The site and content are provided “as is” and “as available.”

2.    No representation or warranty (express or implied) is made that the site will be uninterrupted, timely, accurate, or free of errors, viruses, or security issues.

3.    Mintonna Reviews is not liable for any direct, indirect, incidental, consequential, or punitive damages, even if advised of the possibility.

4.    Nothing in this disclaimer limits your rights under non‑excludable Australian Consumer Law.

11. Release

1.    You release Mintonna Reviews from disputes you may have with third parties relating to your use of this site.

2.    California residents expressly waive Civil Code § 1542 (as applicable).

12. Modifications

1.    Mintonna Reviews may amend this disclaimer at any time.

2.    Material changes will be highlighted on this page for at least 14 days.

3.    Continued use constitutes acceptance of changes.

13. Privacy and Cookies

1.    Use of the site is subject to the Privacy Policy

2.    Cookies, analytics, and similar technologies may be used; continued use is deemed consent.

14. Accessibility

If you require content in alternative formats, please contact us via the site’s contact section or email dave@mintonnareviews.com. We aim to make Mintonna Reviews accessible to all readers and welcome feedback on any barriers you encounter.

15. Governing Law and Severability

1.    This disclaimer is governed by the laws of the State of New South Wales, Australia, with disputes resolved through the courts of New South Wales.

2.    If any provision is unenforceable, the remaining provisions will continue in full force.

3.    Access to this site from jurisdictions where its content is illegal is prohibited.

16. Final Acknowledgment

By reading, browsing, or using this website, you confirm you have read, understood, and agreed to this Disclaimer in its entirety.

For any questions, please contact dave@mintonnareviews.com or use the Contact Us section at the base of this page.