Important Disclaimers

The information provided through our financial planning services is for general informational purposes only and should not be considered as personalized financial advice for every individual situation.

While we strive to provide accurate and up-to-date information, market conditions and regulations change frequently. We cannot guarantee the accuracy or completeness of all information provided during consultations.

Our services are designed to provide guidance and analytical perspectives, but ultimate financial decisions remain entirely with the client. We encourage seeking multiple opinions when making significant financial choices.

To the fullest extent permitted by Australian law, rivaexivoyron shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

• Market losses resulting from general economic conditions
• Changes in government regulations or tax laws
• Losses due to external factors beyond our reasonable control
• Indirect or consequential damages from service interruptions

We make reasonable efforts to ensure information accuracy, but cannot guarantee that all data, market analysis, or regulatory information is completely current or error-free at all times.

Financial markets and regulations change rapidly. Information provided during consultations reflects conditions at the time of discussion and may become outdated.

Clients are encouraged to verify important information independently and stay informed about changes that may affect their financial situations.

Our consultation services provide general guidance and analytical perspectives on financial planning matters. This should not be considered as formal financial product advice as defined under Australian financial services regulations.

For specific financial product recommendations or formal advisory services, we recommend consulting with appropriately licensed financial advisors who can provide advice tailored to your individual circumstances.

Always consider seeking independent professional advice before making significant financial decisions or commitments.

Our materials may contain links to third-party websites or reference external financial information sources. These links are provided for convenience and informational purposes only.

We do not endorse, control, or assume responsibility for the content, accuracy, or practices of third-party websites or external information sources referenced during our consultations.

Individual results may vary.

Financial planning outcomes depend on numerous factors including individual circumstances, market conditions, economic changes, and personal commitment to implementing discussed strategies.

Success stories or examples shared during consultations represent individual experiences and should not be interpreted as typical or guaranteed outcomes for all clients.

All content, materials, methodologies, and analytical frameworks provided through our services remain the intellectual property of rivaexivoyron and are protected by applicable copyright laws.

Clients may use provided information for personal financial planning purposes but may not reproduce, distribute, or commercialize our proprietary content without written permission.

Clients agree to indemnify and hold harmless rivaexivoyron from any claims, damages, or expenses arising from their use of our services or implementation of discussed financial strategies, except where prohibited by law.

These disclaimers and any disputes arising from our services shall be governed by the laws of Australia and subject to the jurisdiction of Australian courts.

All legal matters relating to our services are subject to Australian Consumer Law and relevant financial services regulations.

Some provisions may vary based on specific state or territory regulations within Australia.

If any portion of these disclaimers is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

We reserve the right to modify these disclaimers at any time. Changes become effective immediately upon posting. Continued use of our services constitutes acceptance of any modifications.

These disclaimers were last updated on September 10, 2025.