Legal Disclaimer

General Information Disclaimer

The information provided on this website is for general informational purposes only and does not constitute professional financial advice. All content is subject to change without notice and should not be relied upon as the sole basis for financial decisions.

Individual circumstances vary significantly, and what works for one person may not be suitable for another. We strongly recommend consulting with qualified professionals before making any financial commitments or major monetary decisions.

Information Accuracy and Updates

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

• • Market conditions and regulatory requirements change frequently
• • Information may become outdated without immediate notice
• • Technical errors or omissions may occasionally occur
• • Third-party data sources may contain inaccuracies

Limitation of Liability

To the maximum extent permitted by Australian law, we disclaim liability for various circumstances that may arise from your use of our services or website.

Professional Advice Disclaimer

Our services provide general guidance and analytical reviews but do not constitute specific professional advice tailored to your unique financial situation. Individual results may vary based on personal circumstances, market conditions, and implementation approaches.

Always seek independent professional advice from qualified financial advisors, accountants, or legal professionals before making significant financial decisions.

External Links and References

Our website may contain links to external websites or references to third-party services for informational purposes. These links are provided for convenience and do not constitute endorsement.

We are not responsible for the content, accuracy, or practices of external websites and recommend reviewing their terms and privacy policies independently.

Warranty Disclaimers

We provide our services and website content "as is" without warranties of any kind, whether express or implied, including but not limited to:

• • Warranties of merchantability or fitness for a particular purpose
• • Guarantees of uninterrupted or error-free service delivery
• • Assurances of specific financial outcomes or results
• • Promises of compatibility with all systems or devices

User Indemnification

By using our services, you agree to indemnify and hold harmless Xenoliravoth Financial Planning, its employees, and affiliates from any claims, damages, or expenses arising from your use of our services or breach of these terms.

Governing Law and Jurisdiction

These terms and any disputes arising from our services are governed by Australian law and subject to the jurisdiction of Australian courts.

Severability Clause

If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect without being impaired or invalidated.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes become effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of any modifications.

Contact Information for Legal Matters

For questions about this disclaimer or legal concerns regarding our services, please contact us using the information below.