Last Updated: January 2026
Please read these Terms of Service (“Terms”) carefully before using the y-minshu.org website operated by Oliver Grant Carrasco (“I”, “me”, “my”, or “the Company”).
By accessing or using this website, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the service.
1. Financial Disclaimer (Important)
The content provided on this website, including articles, book descriptions, and the books authored by Oliver, is for informational and educational purposes only.
- I am a finance professional, but I am not your financial advisor.
- Nothing on this site constitutes professional financial, legal, or tax advice.
- Investing involves risk. Before making any financial decisions, you should consult with a qualified professional or perform your own due diligence.
2. Intellectual Property
The Website and its original content, features, and functionality (including the “Money Mistakes & Hard Lessons” and “Real Money Mindset” books) are and will remain the exclusive property of Oliver Grant Carrasco.
- You may not reproduce, distribute, or create derivative works from this content without express written permission.
- You may share links to my articles, provided that full credit is given to y-minshu.org.
3. User Obligations
By using this site, you warrant that:
- Any information you submit (e.g., during checkout) is accurate and complete.
- You will not use the site for any illegal or unauthorized purpose.
- You will not attempt to interfere with the proper working of the website (e.g., through hacking or spreading malware).
4. Purchases and Payments
If you wish to purchase any product made available through the shop:
- You may be asked to supply certain information relevant to your purchase, including your credit card number, expiration date, and billing address.
- We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.
- Prices for our products are subject to change without notice.
5. Limitation of Liability
In no event shall Oliver Grant Carrasco be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of (or inability to access or use) the service.
- Any financial loss incurred as a result of following suggestions in the books or articles.
- Any unauthorized access to our secure servers and/or any personal information stored therein.
6. Governing Law
These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.
7. Changes to Terms
I reserve the right, at my sole discretion, to modify or replace these Terms at any time. If a revision is material, I will try to provide at least 30 days’ notice prior to any new terms taking effect.
8. Contact Information
If you have any questions about these Terms, please contact: Email: [email protected] Address: 15 Fieldhead Terrace, Woodhouse, Leeds LS7 1AY, United Kingdom