Important Disclaimers and Legal Information

Understanding Our Service Disclaimers

Before engaging with our financial planning consultation services, please carefully review these important disclaimers. They outline the scope, limitations, and legal framework governing our professional relationship. By using our website or services, you acknowledge understanding and acceptance of these terms. These disclaimers are designed to protect both parties and ensure transparent communication about what our services can and cannot provide.

By accessing this website, requesting a consultation, or engaging our services, you confirm that you have read, understood, and agree to be bound by all disclaimers and terms outlined on this page. If you do not agree with any part of these disclaimers, please discontinue use of our services immediately.

General Service Disclaimer

Our financial planning consultation services are provided for informational and analytical purposes only. While we strive to provide accurate, current, and relevant guidance during our consultations, the information shared should not be considered as definitive financial advice suitable for all circumstances. Every individual's financial situation is unique, and what works for one person may not be appropriate for another. Results may vary based on personal circumstances, market conditions, and implementation of discussed strategies.

The information provided during consultations does not constitute professional investment, legal, tax, or accounting advice. We recommend consulting with qualified professionals in these specific areas before making any significant financial decisions. Our role is to facilitate discussions and provide analytical perspectives on your financial planning considerations.

Limitation of Liability

To the fullest extent permitted by Australian law, our liability is limited in the following ways:

• We exclude liability for any indirect, consequential, special, or punitive damages arising from the use of our consultation services
• We do not accept responsibility for financial losses resulting from decisions made based on consultation discussions
• Our liability for any direct damages is limited to the amount of fees paid for the specific consultation service
• We exclude liability for any technical issues, website downtime, or communication delays that may affect service delivery

In no event shall our total liability exceed the total amount paid by you for our services in the 12 months preceding any claim.

Information Accuracy and Currency

While we make reasonable efforts to ensure information discussed during consultations is accurate and current, we cannot guarantee the completeness or timeliness of all information. Financial markets, regulations, and economic conditions change rapidly, and information that was accurate at the time of consultation may become outdated.

Financial Planning Consultation Disclaimer

Our financial planning consultations involve discussions about general financial concepts and analytical approaches. Important considerations include:

• All financial decisions carry inherent risks, and there is no guarantee that any discussed strategy will achieve desired outcomes
• Historical performance data, if referenced, does not predict future results and should not be relied upon as an indicator of future performance
• Individual results may vary significantly based on personal circumstances, timing, market conditions, and implementation approach

Before implementing any financial planning strategies discussed in consultations, we strongly recommend seeking advice from qualified financial advisors, tax professionals, or legal counsel appropriate to your specific situation and jurisdiction.

Third-Party Links and Resources

Our website may contain links to third-party websites, tools, or resources that we believe may be helpful for your financial planning journey. These links are provided for convenience and informational purposes only.

The inclusion of any third-party link does not constitute an endorsement, recommendation, or guarantee of the accuracy, reliability, or suitability of the linked content. We are not responsible for the content, services, or practices of any third-party websites.

Use at Your Own Risk

You acknowledge that you use our consultation services and website at your own risk and discretion. Any decisions made based on information discussed during consultations are your sole responsibility.

Jurisdiction and Governing Law

These disclaimers and any disputes arising from our services are governed by the laws of Australia, specifically the jurisdiction where our business is registered.

We encourage resolving any concerns through direct communication first. If formal dispute resolution becomes necessary, we are committed to following Australian consumer protection guidelines and applicable industry dispute resolution procedures.

Client Indemnification

You agree to indemnify and hold harmless our company, its consultants, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of our services, violation of these disclaimers, or any decisions made based on consultation discussions. This indemnification extends to any claims made by third parties related to your financial decisions or use of our services.

No Guarantees or Warranties

We make no guarantees, warranties, or representations regarding:

• The outcome or success of any financial planning strategies discussed during consultations
• The accuracy, completeness, or suitability of information provided for your specific circumstances
• The availability, reliability, or uninterrupted access to our services or website

Severability of Terms

If any provision of these disclaimers is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the original intent.

Changes to Disclaimers

We reserve the right to modify, update, or replace these disclaimers at any time without prior notice. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes have been posted constitutes acceptance of the modified disclaimers.

We recommend reviewing these disclaimers periodically to stay informed of any updates or changes that may affect your use of our services.

Contact Information for Disclaimer Queries

If you have questions about these disclaimers or need clarification about any aspect of our service limitations, please contact us using the following information: