Disclaimer

General Information Only

The information provided on this website is for general informational purposes only and should not be considered as personalised financial advice. All content is prepared based on general market conditions and may not be suitable for your specific financial situation or objectives.

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

No Professional Advice Relationship

The information and consultations provided do not constitute professional financial advice, and no advisor-client relationship is created through use of our services or website. Our consultations are analytical reviews and discussions of general financial planning concepts.

You should seek independent professional advice from a licensed financial advisor before making any financial decisions.

We strongly recommend consulting with qualified professionals who can assess your individual circumstances, risk tolerance, and financial objectives before implementing any financial strategies.

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of any information contained on this website.

We do not warrant that the information will be error-free or that any errors will be corrected.

Financial information, regulations, and market conditions change frequently, and information may become outdated without notice.

Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from your use of our website or services, including but not limited to:

• Direct, indirect, or consequential financial losses
• Loss of profits, revenue, or business opportunities
• Personal injury or property damage
• Loss of data or information
• Any other losses whether foreseeable or not

Where liability cannot be excluded by law, our maximum liability is limited to the amount paid by you for our services in the 12 months prior to the claim.

External Links and Third-Party Content

Our website may contain links to third-party websites and resources. These links are provided for convenience only and do not imply endorsement of the content or services provided by third parties.

We are not responsible for the content, accuracy, or availability of external websites and do not endorse any products, services, or information provided by third parties.

We disclaim all liability for any loss or damage arising from your use of external websites or third-party services.

Results and Outcomes

Individual results may vary based on personal circumstances, market conditions, and implementation of strategies discussed.

We do not guarantee any specific financial outcomes, returns, or results from our consultations or information provided.

Your success depends on various factors including your financial situation, risk tolerance, market conditions, and actions taken following consultations.

Financial Information Disclaimer

Information provided regarding financial concepts, market conditions, and planning strategies is general in nature and may not be suitable for your specific circumstances.

Nothing on this website constitutes financial advice, and we do not provide recommendations to buy, sell, or hold any financial instruments.

All financial decisions carry risk, and you may lose money. Market conditions can be volatile and unpredictable.

Always consult with a licensed financial advisor before making any financial decisions or implementing strategies.

Errors and Omissions

Despite our best efforts to ensure accuracy, this website may contain errors, omissions, or outdated information. We reserve the right to correct any errors and update information at any time without notice.

If you identify any errors or have concerns about information provided, please contact us promptly.

We accept no liability for decisions made based on incorrect or outdated information.

User Indemnification

By using our website and services, you agree to indemnify and hold us harmless from any claims, losses, damages, or expenses arising from your use of our services or breach of these terms.

This includes but is not limited to legal fees, court costs, and any damages awarded against us as a result of your actions or decisions.

Governing Law and Jurisdiction

This disclaimer and your use of our website are governed by Australian law and the laws of the state or territory where our services are provided.

You are responsible for ensuring compliance with all applicable local laws and regulations in your jurisdiction.

Laws vary by jurisdiction, and some disclaimers may not apply in certain locations:

• Some Australian states may not permit certain liability exclusions for consumer services
• Consumer protection laws may override certain disclaimer provisions
• Professional liability requirements may vary by state and territory

Any disputes arising from use of our services will be resolved in the appropriate courts of Australia.

Severability

If any part of this disclaimer is found to be unenforceable or invalid, the remaining provisions will continue to apply to the fullest extent permitted by law.

The invalidity of any provision does not affect the validity or enforceability of the remaining disclaimer terms.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting on our website.

Your continued use of our website after changes constitutes acceptance of the modified disclaimer.

We recommend reviewing this disclaimer periodically for any updates or changes.

Contact Information

If you have questions about this disclaimer or our services, please contact us: