Important Disclaimers and Legal Information

General Information Disclaimer

This website provides general information about financial planning concepts and should not be considered personalised advice. All content is for informational purposes only and does not constitute professional recommendations for your specific financial situation.

These disclaimers outline the limitations and conditions of using our website and services to ensure you understand the nature of financial planning consultations.

Information Accuracy and Completeness

While we strive to provide accurate and current information, financial markets and regulations change frequently. We cannot guarantee the accuracy, completeness, or timeliness of all content.

• • Market conditions and financial regulations change without notice
• • Information may become outdated between updates
• • Content reflects general principles, not specific advice
• • Always verify current rates and regulations independently

Limitation of Liability

To the fullest extent permitted by Australian law, we disclaim liability for any losses or damages arising from your use of this website or our services.

Professional Advice Recommendation

Financial planning is complex and highly individual. Our consultations provide general guidance, but you should always consider your unique circumstances and risk tolerance.

Consider seeking additional professional advice from qualified accountants, tax specialists, or legal professionals for comprehensive financial planning.

External Links and Third-Party Content

Our website may contain links to external websites for additional information. These links are provided for convenience and do not imply endorsement of their content or services.

We are not responsible for the accuracy, availability, or content of external websites or any damages resulting from their use.

No Warranties or Guarantees

We provide our website and services on an "as is" basis without warranties of any kind, express or implied, including but not limited to

• • Merchantability or fitness for particular purposes
• • Uninterrupted or error-free operation
• • Accuracy of all information provided
• • Specific financial outcomes or results

Financial Services Disclaimer

Our consultations focus on general financial planning concepts and personal money management strategies. We do not provide specific investment recommendations or manage client funds.

Results and Outcomes Disclaimer

Financial planning success depends on many factors including market conditions, personal discipline, and changing life circumstances. We cannot guarantee specific outcomes from our consultations.

Individual results may vary based on personal circumstances and market conditions

Governing Law and Jurisdiction

These disclaimers and our services are governed by Australian law and subject to the jurisdiction of Australian courts.

User Indemnification

By using our services, you agree to indemnify and hold us harmless from any claims, losses, or damages arising from your use of our website or misuse of the information provided.

Severability of Terms

If any part of these disclaimers is found unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.

Changes to Disclaimers

We may update these disclaimers periodically to reflect changes in our services or legal requirements. Material changes will be posted on our website.

Please review this page regularly to stay informed of any updates to our disclaimer terms.

Acceptance of Disclaimer Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these disclaimers and limitations.

Disclaimer Contact Information

If you have questions about these disclaimers or need clarification about our services, please contact us using the information below.