Important Disclaimer
Please read this disclaimer carefully before using our services. This information helps you understand the scope and limitations of our financial planning consultations.
Last updated: September 23, 2025
Past performance does not guarantee future results.
Financial planning involves risks and individual circumstances vary significantly.
General Information
The information provided through our consultation services is for general guidance purposes only and should not be considered as specific financial advice tailored to your unique circumstances without a comprehensive personal consultation.
Our consultations are designed to help you understand various financial planning approaches and considerations, but they do not constitute professional financial advice, legal counsel, or tax guidance.
We encourage all clients to conduct their own research and seek independent professional advice from qualified advisors before making significant financial decisions.
Limitation of Liability
To the fullest extent permitted by Australian law, myranovelitho limits its liability as follows:
- We exclude all liability for any direct, indirect, incidental, or consequential losses arising from your use of our consultation services.
- Our total liability to you shall not exceed the amount paid for consultation services in the 12 months preceding any claim.
- We do not guarantee specific financial outcomes or results from following consultation recommendations.
- Nothing in this disclaimer excludes liability that cannot be excluded under Australian Consumer Law.
Information Accuracy
While we strive to provide accurate and current information during consultations, financial markets and regulations change frequently.
We cannot guarantee the accuracy, completeness, or timeliness of all information discussed during consultations.
It is your responsibility to verify information and seek current professional advice before making financial decisions.
No Professional Advisory Relationship
Our consultation services do not create a professional advisory relationship unless explicitly established through separate written agreement.
We do not provide personalized financial advice, tax planning, legal guidance, or specific recommendations unless clearly stated in your consultation agreement.
Always consult with licensed financial advisors, tax professionals, and legal counsel for specific guidance regarding your financial situation.
Third-Party Links and Resources
Our consultations may reference third-party websites, tools, or resources for informational purposes only.
We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party resources mentioned during consultations.
Results and Outcomes
Financial planning consultation results depend on numerous factors including market conditions, personal discipline, life circumstances, and economic changes beyond our control.
Individual results may vary significantly.
Your financial outcomes will depend on your specific situation, commitment to planning principles, and external economic factors.
Governing Law and Jurisdiction
This disclaimer is governed by the laws of Australia and the state/territory where our services are provided.
Any disputes arising from our consultation services shall be subject to the exclusive jurisdiction of Australian courts.
Local laws may provide additional consumer protections that cannot be excluded by this disclaimer.
Client Indemnification
You agree to indemnify myranovelitho against any claims arising from your use of consultation information in ways that exceed the scope of our services or contrary to our recommendations.
Severability
If any provision of this disclaimer is found unenforceable, the remaining provisions shall continue in full force and effect.
Disclaimer Updates
We reserve the right to update this disclaimer to reflect changes in our services, legal requirements, or business practices.
Updated disclaimers will be posted with a new effective date, and continued use of our services constitutes acceptance of any changes.
Acceptance of Terms
By using our consultation services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.
Questions About This Disclaimer
If you have questions about this disclaimer or need clarification about our services: