Important Disclaimers

General Information Disclaimer

The information provided on this website is for general informational and educational purposes only. It should not be considered as professional financial advice tailored to your specific circumstances.

This disclaimer applies to all content, services, and communications provided through our website, consultations, and related materials.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

Information Accuracy and Completeness

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness, accuracy, or reliability of all content presented.

We make no representations or warranties regarding the accuracy, completeness, or suitability of the information provided for your specific financial situation.

• • Market conditions change rapidly and historical data may not reflect current opportunities
• • Regulatory requirements vary by jurisdiction and personal circumstances
• • Third-party information sources may contain errors or outdated data
• • Individual financial situations require personalised analysis beyond general guidance

Limitation of Liability

Our liability is limited to the maximum extent permitted by Australian law. We disclaim responsibility for various types of damages and losses.

We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services or website.

• • Financial losses resulting from market volatility or economic changes
• • Decisions made based on general information rather than personalised advice
• • Technical issues affecting website access or communication delays
• • Third-party service failures or external market disruptions
• • Misinterpretation of information or failure to seek appropriate professional guidance

In any case, our maximum liability shall not exceed the amount paid for our services in the twelve months preceding the claim.

Professional Advice Disclaimer

Our consultations provide general financial planning guidance and should not be considered as formal financial advice regulated under Australian financial services legislation.

You should always consult with qualified financial advisers, tax professionals, or legal experts before making significant financial decisions.

Every financial situation is unique, and what works for others may not be suitable for your specific circumstances, goals, or risk tolerance.

External Links and Third-Party Content

Our website may contain links to external websites or reference third-party services that are not under our control or management.

Links to external sites do not constitute endorsement of their content, services, or business practices.

We are not responsible for the accuracy, legality, or content of external websites or their privacy practices.

Results and Outcome Disclaimer

Individual results may vary significantly based on personal circumstances, commitment, and market conditions.

We do not guarantee specific outcomes or typical results from our financial planning consultations or guidance.

Success in financial planning depends on multiple factors beyond our control, including:

• • Personal discipline and consistent implementation of financial strategies
• • Economic conditions and market performance during the planning period
• • Individual income stability and unexpected life circumstances
• • Regulatory changes affecting tax laws or financial regulations

Intellectual Property Rights

All content, materials, methodologies, and intellectual property on this website remain our exclusive property or that of our licensors.

Users may not reproduce, distribute, modify, or create derivative works from our copyrighted materials without explicit written permission.

Unauthorised use of our intellectual property may result in legal action and claims for damages under Australian copyright law.

User Indemnification

Users agree to indemnify and hold harmless our company, employees, and affiliates from any claims arising from their use of our services.

This includes legal fees, damages, and costs related to misuse of information, violation of terms, or claims by third parties.

Governing Law and Jurisdiction

This disclaimer and all related matters are governed by the laws of Australia and the specific state where our business is registered.

Any disputes arising from this disclaimer or our services shall be subject to the exclusive jurisdiction of Australian courts.

Certain provisions may vary based on local state or territory regulations:

• • New South Wales consumer protection laws may provide additional rights
• • Queensland fair trading regulations may apply to certain services
• • Victorian consumer affairs legislation may govern dispute resolution
• • Western Australian commercial laws may affect contract interpretation

We encourage informal resolution of disputes through direct communication before pursuing formal legal proceedings.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time to reflect changes in our services, legal requirements, or business practices.

It is your responsibility to review this disclaimer periodically for updates and changes.

Continued use of our website or services after changes constitutes acceptance of the modified disclaimer terms.

Severability Clause

If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Invalid provisions will be replaced with valid terms that most closely reflect the original intent while complying with applicable law.

Contact Information for Disclaimer Queries

For questions about this disclaimer or clarification of any terms, please contact us using the details below: