Important Legal Disclaimers and Risk Notices

General Information Disclaimer

The following disclaimers apply to all content, services, and information provided through this website and our consultation services.

This website provides general information about financial planning services and consultation options. Content is intended for informational purposes and should not replace professional financial advice tailored to your specific situation.

Information presented does not constitute professional financial advice, recommendations, or endorsements. All content is general in nature and may not be suitable for your individual circumstances or financial goals.

Information Accuracy and Currency

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

All information is provided on an "as is" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for purpose, or non-infringement.

Financial markets, regulations, and economic conditions change rapidly. Information may become outdated, inaccurate, or incomplete without notice. We reserve the right to modify content at any time.

Limitation of Liability and Risk Acknowledgment

To the fullest extent permitted by Australian law, we disclaim liability for damages or losses arising from website use or consultation services.

• We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services or website content.
• No liability is accepted for financial losses, missed opportunities, or adverse outcomes resulting from information or advice provided through our services.
• We disclaim responsibility for technical issues, website downtime, data loss, or interruptions that may affect service delivery or access to information.
• Third-party content, links, or referenced materials are not under our control, and we accept no responsibility for their accuracy or consequences of their use.

All website use and consultation services are undertaken entirely at your own risk and discretion.

Financial Services Disclaimer

Our consultation services focus on financial planning discussions and analytical reviews rather than specific investment management or advisory services.

Consultations provide general guidance and information sharing rather than personalised financial advice or specific recommendations for financial products or services.

Always consult with qualified financial advisors, accountants, or legal professionals before making significant financial decisions or implementing planning strategies.

Third-Party Links and External Content

Our website may contain links to external websites, resources, or third-party services provided for convenience and informational purposes only.

Inclusion of external links does not constitute endorsement, recommendation, or approval of linked websites, their content, or associated organisations.

Third-party websites operate under their own terms and privacy policies. We are not responsible for their content, practices, or services.

Client Testimonials and Case Studies

Client testimonials and case studies represent individual experiences and outcomes that may not be typical or representative of all client results.

Individual results vary significantly based on personal circumstances, commitment level, market conditions, and numerous other factors beyond our control.

Testimonials should not be viewed as guarantees of specific outcomes or results from our consultation services.

Governing Law and Jurisdiction

These disclaimers and all related matters are governed by Australian law and subject to the jurisdiction of Australian courts.

Where local laws provide greater consumer protection than these disclaimers, the more protective legal provisions shall apply.

Disputes will be resolved through Australian courts with jurisdiction determined by your place of residence or service delivery location.

User Indemnification

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

This indemnification includes legal fees, court costs, and other expenses incurred in defending against claims related to your service use.

Severability of Provisions

If any provision of these disclaimers is found invalid or unenforceable by a court of competent jurisdiction, such finding shall not affect other provisions.

All remaining disclaimer provisions shall continue in full force and effect, maintaining their intended protective scope.

Modifications to Disclaimers

We reserve the right to modify, update, or replace these disclaimers at any time without prior notice to reflect legal requirements or service changes.

Continued use of our website or services after disclaimer modifications constitutes acceptance of the updated terms and conditions.

Users are responsible for regularly reviewing disclaimer updates to stay informed of any changes affecting their rights and obligations.

Contact Information

For questions about these disclaimers or to discuss specific concerns about our services, please contact us using the following information.

Acceptance of Disclaimers

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

If you do not agree with any provision of these disclaimers, you must discontinue use of our website and services immediately.