Important Disclaimers

Past performance does not guarantee future results.

Financial planning involves risks and individual circumstances vary significantly.

Learn more about the important disclaimers and limitations that apply to our financial planning subscription service. Please read these carefully before engaging with our services.

Last updated: August 28, 2025

General Information Disclaimer

The information provided through our subscription service is for general informational purposes only and should not be considered as professional financial advice tailored to your specific situation. We encourage you to consider your personal circumstances and consult with qualified professionals when making financial decisions.

Our consultations and analytical reviews do not constitute formal financial advice, recommendations, or professional counsel. All discussions and materials provided are intended to help you better understand various financial concepts and approaches.

Limitations of Liability

To the fullest extent permitted by Australian law, our liability is limited as follows:

  • We exclude all liability for indirect, consequential, or special damages arising from the use of our service
  • Our maximum liability for any claim shall not exceed the subscription fees paid in the preceding 12 months
  • We are not liable for any losses resulting from reliance on general information provided during consultations
  • No liability is accepted for technical issues, interruptions, or delays in service delivery
  • We exclude liability for outcomes resulting from your independent financial decisions

Information Accuracy and Currency

While we strive to provide current and accurate information during our consultations, financial markets and regulations change frequently. We cannot guarantee the accuracy, completeness, or timeliness of all information discussed, and you should verify any information independently before making decisions.

Our service is provided "as is" without warranties of any kind, whether express or implied, including but not limited to merchantability or fitness for a particular purpose.

Financial Planning Limitations

Our subscription service focuses on general financial planning discussions and analytical reviews. Please note these important limitations:

  • We do not provide specific financial product recommendations or direct money management services
  • All financial decisions remain your responsibility based on your individual circumstances
  • Market conditions and personal situations can change rapidly, affecting the relevance of our discussions

Results and Outcomes

Financial planning is a personal journey that depends on numerous factors including market conditions, personal discipline, and individual circumstances.

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

Third-Party Resources and Links

Our consultations may reference external resources, websites, or tools for educational purposes. These references do not constitute endorsements.

We are not responsible for the content, accuracy, or availability of third-party resources mentioned during our consultations.

Client Testimonials and Reviews

Any testimonials or reviews reflect individual experiences and should not be considered typical or guaranteed outcomes for all subscribers.

Testimonials do not guarantee similar results and individual experiences may differ significantly.

Errors and Omissions

Despite our best efforts to provide accurate information during consultations, errors or omissions may occur. We reserve the right to correct any mistakes and update information as needed.

Jurisdiction and Governing Law

These disclaimers are governed by and construed in accordance with Australian law, with specific considerations for local regulations.

Governing Law

These disclaimers and our service are governed by the laws of Australia, particularly consumer protection and financial services regulations applicable in your state or territory.

State and Territory Variations

Where state or territory laws differ from federal regulations, the most protective consumer provisions shall apply to ensure your rights are preserved.

Dispute Resolution

Any disputes arising from our service should first be addressed through direct communication. If unresolved, matters may be referred to appropriate Australian consumer protection agencies or tribunals.

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our service, breach of these terms, or violation of any laws or third-party rights.

Severability

If any provision of these disclaimers is found to be unenforceable or invalid under Australian law, such provision shall be modified to the minimum extent necessary to make it enforceable, while the remainder shall continue in full force.

Entire Agreement

These disclaimers, together with our Terms and Conditions and Privacy Policy, constitute the complete agreement regarding the limitations and disclaimers applicable to our service.

Changes to Disclaimers

We reserve the right to modify these disclaimers at any time to reflect changes in our service, legal requirements, or business practices. Updated versions will be posted with revised dates.

Contact Information

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

Phone::

+61 887 385 759

Address::

142 Collins Street, Melbourne VIC 3000