Important Disclaimer
Please read this disclaimer carefully before using our financial planning services. This information is provided for general guidance only.
Last updated: September 7, 2025
Important Notice
Past performance does not guarantee future results.
All financial decisions carry inherent risks. Market conditions can change rapidly and may result in losses.
General Information Disclaimer
The information provided through our services is for general informational purposes only and should not be considered as personalized financial advice for your specific situation.
Our consultations are designed to provide insights and analytical perspectives rather than specific investment recommendations or guaranteed outcomes.
Information Accuracy
While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content provided during consultations.
- Market data and financial information may change without notice
- Third-party sources may contain errors or outdated information
- Individual circumstances may affect the applicability of general guidance
Limitation of Liability
Our liability is limited to the maximum extent permitted under Australian law.
No Liability for Losses
We accept no responsibility for any financial losses or damages that may result from decisions made based on our consultations or guidance.
Indirect Damages
We shall not be liable for any indirect, consequential, or punitive damages arising from the use of our services.
Maximum Liability Cap
Our total liability shall not exceed the amount paid for our services in the 12 months preceding any claim.
Professional Financial Advice
Our services provide general financial guidance and analytical insights rather than specific professional advice tailored to individual circumstances.
Always consult with qualified financial professionals before making significant financial decisions.
External Links and Resources
We may reference or link to third-party websites and resources during our consultations. We are not responsible for the content or accuracy of external sites.
References to external resources do not constitute endorsements or recommendations.
Results and Outcomes
Individual results may vary.
Financial outcomes depend on numerous factors including market conditions, individual circumstances, and implementation of guidance provided.
Governing Law and Jurisdiction
This disclaimer is governed by Australian law and the laws of the state in which our business operates.
Local Regulatory Variations
Financial regulations may vary by state and territory within Australia. Our services comply with applicable federal regulations.
- Governed by Australian Consumer Law and relevant financial services regulations
- Disputes resolved under Australian jurisdiction
- Services primarily intended for Australian residents
Indemnification
By using our services, you agree to indemnify and hold harmless novarieloqix and its representatives from any claims arising from your use of our guidance or consultations.
Severability
If any provision of this disclaimer is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Entire Agreement
This disclaimer, together with our Terms of Service and Privacy Policy, constitutes the entire agreement regarding the limitations and disclaimers of our services.
Modifications to Disclaimer
We reserve the right to update this disclaimer at any time to reflect changes in our services or legal requirements.
Continued use of our services after changes constitutes acceptance of the updated disclaimer.
Contact Information
If you have questions about this disclaimer or our services, please contact us using the information below.