Legal
Last updated: 17 July 2026
These Terms & Conditions ("Terms") govern your access to and use of the Millionaire Mindware website and members platform (together, "the Platform"). If you do not agree to these Terms, do not use the Platform.
These Terms are designed to meet the requirements of users in the United States (our primary user base), the European Union, the United Kingdom, and Australia. Where your local consumer protection laws provide rights that cannot be excluded by contract, those rights are preserved.
Millionaire Mindware is an educational platform providing access to video content, AI-powered learning tools, books, and community features based on Paul Counsel's wealth psychology framework. The Platform is a digital product sold directly to members. There is no personal coaching relationship implied by membership.
The Platform is operated by Millionaire Mindware. For any questions about these terms, contact us at admin@millionairemindware.com.
Important: Educational content only — not financial advice
All content on this Platform — including videos, books, AI chat responses, written materials, and all other resources — is provided for general educational and informational purposes only. Nothing on this Platform constitutes, or should be construed as, financial advice, investment advice, tax advice, legal advice, or any other form of regulated professional advice under the laws of any jurisdiction, including but not limited to US federal and state securities laws, the Australian Corporations Act 2001, or the UK Financial Services and Markets Act 2000.
Paul Counsel is an educator and author. He is not authorised or regulated by the Financial Conduct Authority (FCA) and is not a financial adviser, investment adviser, or broker-dealer. The concepts, frameworks, and ideas presented reflect his personal philosophy and educational framework. Past results discussed are not indicative of future outcomes. You should always seek independent, licensed professional advice before making any financial, investment, or business decision. We expressly disclaim all liability for decisions made in reliance on Platform content.
Wealth Building Wallet. The Wealth Building Wallet is an optional, self-directed tracking and educational tool. Any figures you enter, projections it displays (including "could become", opportunity-cost, and CAGR estimates), and asset comparisons are illustrative only, based on assumptions and historic averages, and are not forecasts, recommendations, or advice. We do not execute trades, hold, receive, or transfer any funds or assets, connect to your bank or brokerage, or act as a broker, dealer, custodian, or adviser. Where the wallet links to third-party providers (for example, exchanges or precious-metals dealers), those links are provided for convenience only and are not endorsements; your dealings with any third party are solely between you and them, subject to their terms, and we accept no liability for them. You are solely responsible for your own financial decisions.
You must be at least 18 years of age to use the Platform. By using the Platform, you represent and warrant that you are 18 or older and have the legal capacity to enter into a binding agreement. The Platform is not directed at minors.
You agree to:
One account is for one individual's personal use only. You may not share your account with others or allow others to access content through your account.
Paid access is billed on a subscription basis. By subscribing, you authorise us to charge your payment method on the applicable billing cycle. All prices are displayed at the time of purchase and are in US dollars unless otherwise stated. Payment is processed by Stripe.
You may cancel your subscription at any time through your account settings or by emailing admin@millionairemindware.com. Cancellation takes effect at the end of the current billing period. You retain access until that date.
We offer a 14-day money-back guarantee from the date of your first purchase. If you are not satisfied within 14 days, email admin@millionairemindware.com and we will issue a full refund, no questions asked. After 14 days, payments are non-refundable except where required by the mandatory consumer protection laws of your jurisdiction — including the UK Consumer Rights Act 2015, EU Consumer Rights Directive, and applicable US state laws — which we do not exclude.
We may change subscription prices with at least 30 days' written notice by email. If you do not cancel before the new price takes effect, you accept the new price.
We offer a free membership tier with access to a limited subset of content. Free tier access may be changed, restricted, or discontinued at any time. We will give reasonable notice of material changes where possible.
You agree not to:
The Ask Paul AI assistant and semantic search use large language models to generate responses grounded in Paul Counsel's content. You acknowledge that:
The Platform includes a community forum. By participating, you agree to engage respectfully and in accordance with our acceptable use policy above. We reserve the right to remove any content and to suspend or terminate accounts for violations at our sole discretion.
We may suspend or terminate your account if you breach these Terms, engage in fraudulent activity, or if your use poses a risk to other members or to the Platform. Your licence ceases immediately on termination. Where termination is not due to your breach, we will refund any prepaid fees for the unused period.
You may close your account at any time by emailing admin@millionairemindware.com with the subject line "Delete my account."
The Platform is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or that any particular financial outcome will result from use of the content.
Nothing in these Terms excludes implied warranties or rights that cannot lawfully be excluded under the Australian Consumer Law, the EU Consumer Rights Directive, UK consumer protection legislation, or applicable US state consumer protection laws.
To the maximum extent permitted by applicable law, our total aggregate liability to you for any claim arising from these Terms or use of the Platform is limited to the total amount you paid us in the 12 months preceding the claim.
We are not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, savings, data, or goodwill. In particular, we expressly disclaim liability for any financial loss arising from decisions made based on educational content on the Platform.
Some jurisdictions do not allow certain liability exclusions. Where such laws apply to you, the above limitations apply only to the extent permitted.
If you have a problem, please email us at admin@millionairemindware.com first — most issues can be resolved quickly this way. These Terms are governed by the laws of England and Wales, and any dispute that cannot be resolved informally is subject to the jurisdiction of the courts of England and Wales, except where the mandatory consumer protection laws of your local jurisdiction give you the right to bring proceedings in your own courts, which right we do not exclude.
General enquiries: admin@millionairemindware.com
Privacy and data requests: admin@millionairemindware.com