Important Information & Disclaimers

Please read these important disclaimers carefully before using our financial planning services. This information helps you understand the nature and limitations of our consultation services.

General Information Only

The information provided through our subscription service is for general informational purposes only and should not be considered as specific financial advice tailored to your unique circumstances. Every individual's financial situation is different, and what works for one person may not be suitable for another.

Not Professional Financial Advice

Our consultations and planning discussions do not constitute professional financial advice, tax advice, legal advice, or any other form of professional services. We provide general guidance and analytical perspectives to help you better understand financial concepts and planning approaches.

Always consult with qualified financial advisors, tax professionals, or other relevant experts before making significant financial decisions. Our service is designed to complement, not replace, professional advice from licensed practitioners.

Information Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content. Financial markets, regulations, and circumstances change regularly.

• Market conditions and financial regulations change frequently
• Information may become outdated between updates
• Individual circumstances may affect the relevance of general information

Limitation of Liability

To the fullest extent permitted by Australian law, we limit our liability regarding the use of our service.

We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our service, including but not limited to financial losses, missed opportunities, or reliance on information provided during consultations.

External Links and Resources

Our service may reference external websites, tools, or resources. We do not endorse or take responsibility for the content, accuracy, or practices of third-party websites. Users access external links at their own discretion and risk.

No Warranties

We provide our service "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
• Warranties regarding the accuracy or completeness of information
• Warranties of uninterrupted or error-free service
• Warranties regarding specific financial outcomes or results

Financial Risk Warning

All financial decisions carry inherent risks. Market conditions, economic factors, and personal circumstances can significantly impact financial outcomes. There are no guarantees of success or specific results.

No Guarantee of Results

We cannot and do not guarantee any specific outcomes, results, or improvements to your financial situation. Success depends on many factors including market conditions, personal circumstances, and individual actions taken.

Individual results may vary based on personal circumstances and market conditions.

Indemnification

You agree to indemnify and hold harmless meruariyzo and its representatives from any claims, damages, losses, or expenses arising from your use of our service or reliance on information provided during consultations.

Jurisdiction and Governing Law

These disclaimers and your use of our service are governed by Australian law and the specific regulations of the state or territory where our business is registered.

Severability

If any provision of these disclaimers is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Disclaimers

We reserve the right to modify these disclaimers at any time. Updated versions will be posted on our website with a revised date. Continued use of our service constitutes acceptance of any changes.

Contact Information

If you have questions about these disclaimers or need clarification about our service limitations, please contact us: