Important Financial Disclaimers
Please read these important disclaimers before using our financial planning services.
Past performance does not guarantee future results.
All financial planning involves risk, and you may experience losses or gains in your financial position.
Last Updated: August 2, 2025
General Information Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. Every individual's financial situation is unique, and what works for one person may not be suitable for another.
Our consultations and analytical reviews are designed to help you understand various financial concepts and approaches, but they do not constitute specific recommendations for your particular circumstances. We encourage all clients to carefully consider their own financial goals, risk tolerance, and personal situation.
Results may vary significantly based on individual circumstances, market conditions, and personal financial decisions. We cannot predict or guarantee specific outcomes from our planning discussions or analytical reviews.
Limitations of Liability
By using our services, you acknowledge and agree to the following limitations:
- We are not liable for any financial losses resulting from decisions made based on our consultations or information provided
- Our liability is limited to the amount paid for our subscription services in the preceding 12 months
- We exclude liability for indirect, consequential, or punitive damages of any kind
- Force majeure events, technical failures, or third-party actions are beyond our control and responsibility
Information Accuracy and Timeliness
While we strive to provide accurate and up-to-date information, financial markets and regulations change constantly. Information on this website may become outdated or inaccurate without notice.
We make no representations or warranties about the completeness, accuracy, or reliability of any information provided. All information is subject to change without prior notification.
Important Note
Always verify current information with official sources and consult with qualified professionals before making financial decisions.
Financial Services Disclaimer
Our subscription service provides financial planning discussions and analytical reviews rather than direct financial product recommendations. We focus on helping you understand financial concepts and explore different approaches to money management.
Any discussion of financial products or strategies during our consultations is for informational purposes only and should not be interpreted as specific product recommendations or endorsements.
- Financial markets are volatile and can result in significant losses
- Past performance of any financial approach does not indicate future results
- All financial decisions carry inherent risks that could affect your financial wellbeing
External Links and Third-Party Content
Our website may contain links to external websites or reference third-party services for your convenience and information. We do not control or endorse the content, policies, or practices of these external sites.
We are not responsible for the accuracy, legality, or content of external websites. Accessing third-party sites is at your own risk, and you should review their terms and privacy policies independently.
Professional Advice Recommendation
Our consultations and analytical reviews are designed to complement, not replace, professional financial advice from qualified advisers, accountants, or legal professionals who are familiar with your specific circumstances.
For complex financial decisions, tax implications, or legal matters, we strongly recommend consulting with appropriately licensed professionals who can provide advice specific to your situation.
Our Recommendation
Always seek independent professional advice for significant financial decisions affecting your future.
Jurisdiction and Governing Law
These disclaimers and our services are governed by Australian law and jurisdiction.
Governing Law: Australian law governs all aspects of our service relationship
Jurisdiction: Australian courts have exclusive jurisdiction over any disputes arising from our services
Local state and territory variations may apply depending on your location within Australia.
Results and Outcomes Disclaimer
Individual results from our financial planning discussions will vary based on personal circumstances, market conditions, implementation of concepts discussed, and numerous other factors beyond our control.
Individual results may vary.
User Indemnification
You agree to indemnify and hold Keryntalivos harmless from any claims, damages, or expenses arising from your use of our services, misuse of information provided, or violation of these disclaimers.
Changes to Disclaimers
We reserve the right to modify these disclaimers at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of any modifications.
Contact Information
If you have questions about these disclaimers or our services, please contact us: