Important Disclaimer

Please Read Carefully:

This disclaimer contains important information about the limitations of our services.

By using this website and our consultation services, you acknowledge that you have read, understood, and agreed to these terms and limitations.

The information and consultations provided by jovareliquo are intended for general informational and educational purposes. They do not constitute financial advice, and should not be relied upon as the sole basis for making financial decisions.

General Notice

All content on this website, including consultation materials and analytical reviews, is provided for informational purposes only. While we strive to provide accurate and current information, we make no representations or warranties regarding the completeness, accuracy, or reliability of any information presented. Financial planning involves inherent risks and uncertainties, and outcomes can vary significantly based on individual circumstances, market conditions, and timing.

Limitation of Liability

To the fullest extent permitted by Australian law, jovareliquo shall not be liable for:

  • Any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website, consultations, or analytical reviews.
  • Any errors, omissions, or inaccuracies in the information provided, or any decisions made based on such information.
  • Any financial losses or adverse outcomes resulting from actions taken based on our consultations or analytical reviews.
  • Any interruptions, delays, or technical issues affecting access to our website or consultation services.

Information Accuracy and Currency

While we make reasonable efforts to ensure the information provided during consultations and in our analytical reviews is accurate and current, market conditions change rapidly. Information that was accurate at the time of consultation may become outdated. We cannot guarantee the accuracy, completeness, or timeliness of all information presented, and users should verify information independently before making decisions.

Past performance does not guarantee future results. All financial planning involves uncertainty and risk.

Professional Advice Recommendation

Our consultations provide analytical perspectives and general guidance but should not replace personalized advice from licensed professionals. We strongly recommend consulting with qualified accountants, tax advisors, legal professionals, and licensed financial advisors before making significant financial decisions.

External Links

Our website may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of external sites. Accessing third-party websites is at your own risk.

No Guarantee of Results

We do not guarantee, promise, or imply any specific outcomes or results from our consultations or analytical reviews. Results may vary significantly based on individual circumstances, market conditions, timing, and numerous other factors beyond our control.

Individual Results May Vary

Financial planning outcomes depend on many variables including personal circumstances, risk tolerance, time horizons, market conditions, and implementation of strategies. What works well for one individual may not be suitable for another with different circumstances or objectives.

Financial Planning Specific Disclaimers

Important considerations regarding financial planning consultations:

  • Market conditions are unpredictable and subject to sudden changes. Historical trends and patterns do not guarantee future performance or outcomes.
  • All resource allocation approaches involve varying degrees of risk. Understanding and accepting these risks is essential before implementing any planning approach.
  • Tax implications vary by individual circumstance and jurisdiction. Consult with qualified tax professionals regarding your specific situation before making decisions.

Jurisdictional Considerations

Legal and regulatory frameworks affecting financial planning vary by location:

This disclaimer and our services are governed by Australian law. The information provided is primarily relevant to Australian residents and may not be appropriate for individuals in other jurisdictions with different legal, tax, or regulatory environments.

These terms shall be governed by and construed in accordance with the laws of the State of New South Wales, Australia.

Users outside Australia should consult local professionals familiar with their jurisdiction's specific requirements, regulations, and financial planning framework.

Indemnification

By using our services, you agree to indemnify and hold harmless jovareliquo, its consultants, and affiliates from any claims, damages, losses, or expenses arising from your use of our consultations, website, or implementation of any approaches discussed during our sessions.

Severability

If any provision of this disclaimer is found to be invalid or unenforceable under Australian law, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Modifications

We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our services after modifications constitutes acceptance of the updated terms.

Questions

If you have questions or concerns about this disclaimer or any aspect of our services, please contact us using the information provided below.

Email Address: content@jovareliquo.com

Phone: +61 8 4019 4989

Office: Level 21, 345 Queen Street, Brisbane, QLD 4000 Australia

Effective Date of This Disclaimer: This disclaimer became effective on September 25, 2025

Last Updated On: This disclaimer was last modified on September 25, 2025