Important Disclaimer and Legal Information

This disclaimer governs your use of our website and services. The information and consultations provided are for general guidance purposes and should not be considered professional financial advice. Individual circumstances vary significantly, and outcomes depend on numerous personal and market factors beyond our control.

General Notice

The content on this website and during consultations is provided for informational and consultative purposes only. While we strive for accuracy and relevance, we make no representations or warranties about the completeness, reliability, or suitability of any information provided. Your use of our services and any actions taken based on consultations are entirely at your own discretion and risk. Results may vary significantly based on individual circumstances, personal effort, market conditions, and external factors.

Limitation of Liability

To the fullest extent permitted by applicable law, we expressly disclaim liability for the following circumstances:

• Any direct, indirect, incidental, consequential, or special damages arising from your use of our services or reliance on information provided during consultations or on our website.
• Financial losses, missed opportunities, or adverse outcomes resulting from decisions made based on our consultations, analysis, or suggestions provided during our professional relationship.
• Errors, omissions, or inaccuracies in information provided, whether due to human error, technical issues, changing market conditions, or other factors beyond our reasonable control.
• Interruptions, delays, or unavailability of our services due to technical difficulties, maintenance, force majeure events, or other circumstances that may prevent normal service delivery.

Information Accuracy and Currency

While we make reasonable efforts to ensure information provided during consultations and on our website is accurate, current, and relevant, financial landscapes change rapidly. Market conditions, regulations, economic factors, and personal circumstances evolve continuously. Information that was accurate at the time of consultation may become outdated or less relevant as time passes. We cannot guarantee the ongoing accuracy or applicability of historical information or past analysis.

Not Professional Financial Advice

Our consultations provide analytical reviews and general guidance but do not constitute formal financial advice specific to your complete circumstances. We encourage all clients to conduct their own research and consider consulting with qualified financial professionals, accountants, legal advisors, and other specialists appropriate to their specific situations before making significant decisions.

External Links

Our website may contain links to external websites or resources for reference purposes. We do not control, endorse, or assume responsibility for the content, accuracy, privacy practices, or availability of any third-party websites. Your use of external links is at your own risk and subject to the terms and conditions of those external sites.

No Guarantee of Results or Outcomes

We explicitly disclaim any guarantee of specific results, outcomes, or financial improvements from using our services. Individual results vary significantly based on personal circumstances, effort, discipline, market conditions, economic factors, life events, and numerous other variables outside our control. Past performance does not indicate future results.

Financial Planning Specific Disclaimers

Additional disclaimers specific to financial planning consultations include the following important considerations:

• Market conditions fluctuate unpredictably and can significantly impact financial positions, resource values, and planning effectiveness regardless of the quality of initial analysis or planning approaches employed.
• Regulatory environments, tax structures, and legal frameworks change periodically and may affect the ongoing suitability or effectiveness of approaches that were appropriate when initially developed during consultations.
• Personal circumstances including employment status, health, family composition, obligations, and life priorities often change unexpectedly, requiring reassessment and adjustment of previous planning approaches to maintain relevance and effectiveness.

Jurisdiction and Applicable Law

These terms are governed by the laws of Australia and specifically the jurisdiction where our services operate:

Indemnification

You agree to indemnify, defend, and hold harmless our company, its owners, employees, consultants, and affiliates from any claims, damages, losses, liabilities, costs, or expenses including legal fees arising from your use of our services, violation of these terms, or infringement of any rights of third parties.

Severability

If any provision of this disclaimer is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable from the remainder of this disclaimer. The remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

Modifications

We reserve the right to modify, update, or change this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications constitutes acceptance of the updated disclaimer. We encourage periodic review of this document.

Questions

If you have questions about this disclaimer or require clarification on any provisions, please contact us using the following information: