Important Disclaimers and Legal Information

Understanding Our Service Terms

Before engaging with our financial planning subscription service, please carefully review these important disclaimers. These terms govern your use of our consultations, advice, and materials. By subscribing to our services, you acknowledge understanding and acceptance of these conditions and limitations.

Your continued use of our subscription service constitutes acceptance of these disclaimer terms and conditions.

General Service Limitations

Our financial planning subscription provides general guidance and consultation services. All information, recommendations, and strategies discussed during consultations are based on general principles and your specific circumstances as presented to us. Market conditions, regulatory changes, and personal situations may affect outcomes differently than anticipated.

While our consultants are experienced professionals, our subscription service provides educational guidance rather than formal financial advice. Always consult qualified professionals for specific financial decisions.

Limitation of Liability

Our liability in connection with your subscription service is limited as follows:

• We are not liable for market losses or missed opportunities based on consultation discussions
• Technical issues or service interruptions do not constitute grounds for refunds beyond pro-rated subscription adjustments
• Third-party platform failures or external service disruptions are beyond our control
• Personal financial decisions made following consultations remain your sole responsibility

Information Accuracy Standards

We strive to provide current, accurate information during all consultations and communications. However, financial markets, regulations, and tax laws change frequently. Information discussed during subscription consultations reflects conditions at the time of discussion and may become outdated.

Financial Planning Risk Factors

All financial planning strategies involve inherent risks that subscribers must understand before implementation:

• Market volatility can affect the performance of discussed strategies and approaches
• Regulatory changes may impact the viability of planning techniques discussed in consultations
• Personal circumstances changes may require strategy modifications not covered in standard subscription consultations

Always seek independent professional advice before implementing any financial strategies discussed during subscription consultations.

External Resources and References

During consultations, we may reference external websites, tools, or resources for educational purposes. These references do not constitute endorsements, and we are not responsible for external content accuracy or availability.

Referenced third-party services, products, or platforms during consultations do not constitute formal recommendations or endorsements.

Subscription Outcome Expectations

Your financial planning subscription provides access to professional consultation and guidance. However, actual results depend on numerous factors beyond our control, including market conditions, implementation quality, and personal circumstances.

Legal Jurisdiction and Compliance

These disclaimer terms are governed by Australian law and regulatory requirements:

Subscriber Indemnification

Subscribers agree to indemnify mipatnovaraqoolvia against claims arising from misuse of consultation information, implementation of discussed strategies without proper professional advice, or violation of these disclaimer terms.

Terms Severability

If any portion of this disclaimer is deemed unenforceable, the remaining provisions continue in full effect, ensuring ongoing protection for both parties.

Disclaimer Modifications

We may update these disclaimers to reflect regulatory changes or service modifications. Subscribers will be notified of material changes through email or subscription platform notifications.

Disclaimer Questions and Clarifications

For questions about these disclaimers or their application to your subscription, please contact us using the information below: