Financial Planning Disclaimer

Important Notice

Please read this disclaimer carefully before using our services.

By engaging with cavorinexial, you acknowledge understanding and acceptance of these terms and the limitations described herein.

This disclaimer governs the use of financial planning consultation services provided by cavorinexial. The information and guidance offered through our consultations are intended to support informed decision-making but do not constitute guarantees, warranties, or assurances of specific outcomes.

General Notice

cavorinexial provides financial planning consultations designed to support client decision-making through analytical reviews and personalized recommendations. All services are provided for informational and consultative purposes. While we strive for accuracy and relevance, financial markets, regulations, and personal circumstances involve uncertainty. Clients remain responsible for their financial decisions and outcomes.

Limitations of Liability

To the maximum extent permitted by Australian law, cavorinexial limits liability as follows:

We are not liable for financial losses, opportunity costs, or adverse outcomes resulting from decisions made based on our consultations or recommendations.
Market fluctuations, economic changes, regulatory modifications, and unforeseen circumstances may impact financial outcomes beyond our control or prediction.
Past performance, historical data, and analytical projections do not guarantee future results. Actual outcomes may differ significantly from expectations or forecasts.
Clients acknowledge that implementing recommendations involves risk, and results may vary based on timing, market conditions, and individual execution.

Accuracy of Information

We endeavor to provide accurate, current information during consultations. However, financial markets, regulations, and economic conditions change rapidly. Information presented reflects knowledge at the time of consultation but may become outdated. Clients should verify current regulations, rates, and market conditions before making decisions. We are not responsible for errors, omissions, or information that becomes inaccurate after consultation delivery.

While we maintain professional standards, we cannot guarantee absolute accuracy or completeness of all information provided during consultations.

Professional Advice Limitations

cavorinexial consultations provide financial planning guidance but do not replace specialized legal, tax, or accounting advice. Complex situations may require consultation with attorneys, accountants, or other professionals. We recommend obtaining independent professional advice for legal documents, tax implications, and specialized matters beyond general financial planning scope.

External References

Our consultations may reference external resources, regulations, or market information. We are not responsible for accuracy, availability, or content of external sources. References are provided for informational purposes and do not constitute endorsements.

No Guarantee of Results

cavorinexial cannot and does not guarantee specific financial outcomes, returns, or results from implementing recommendations. Financial markets involve inherent uncertainty and risk. Individual circumstances, market conditions, timing, and implementation consistency significantly impact outcomes, which may vary substantially between clients.

Individual Results Will Vary

Financial planning outcomes depend on numerous factors including market performance, economic conditions, regulatory changes, personal circumstances, implementation consistency, and timing. Results achieved by one client provide no assurance of similar results for others. Past performance does not guarantee future results.

Financial Market Disclaimer

Clients should understand the following regarding financial markets and planning:

Financial markets are volatile and unpredictable. Asset values fluctuate based on numerous factors beyond anyone's control or accurate prediction.
Economic conditions, interest rates, inflation, regulations, and geopolitical events impact financial outcomes in ways that cannot be precisely forecasted.
Diversification and risk management strategies reduce but do not eliminate risk. All financial decisions involve some degree of uncertainty and potential loss.

Jurisdiction and Compliance

cavorinexial operates under Australian jurisdiction and regulatory framework:

All services comply with Australian Securities and Investments Commission regulations and relevant financial services legislation applicable at the time of consultation. Clients outside Australia should consult local regulations before implementing recommendations.

These terms are governed by the laws of Australia. Disputes are subject to the exclusive jurisdiction of Australian courts.

Clients are responsible for understanding and complying with local regulations, tax laws, and reporting requirements applicable to their specific circumstances.

Client Indemnification

Clients agree to indemnify and hold harmless cavorinexial, its consultants, employees, and affiliates from claims, losses, liabilities, or expenses arising from implementation of recommendations, decisions made based on consultations, or misrepresentation of circumstances during the consultative process.

Severability

If any provision of this disclaimer is found invalid or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary, or if modification is not possible, severed. Remaining provisions continue in full force and effect.

Modifications

cavorinexial reserves the right to modify this disclaimer at any time. Changes become effective upon posting to our website. Continued engagement with our services after modifications constitutes acceptance of revised terms.

Questions About This Disclaimer

If you have questions regarding this disclaimer or its implications for your specific circumstances, please contact us:

Email: content@cavorinexial.com

Phone: +61-2-9641-3972

Address: 113 Exhibition St, Melbourne, VIC 3000 Australia

Effective Date: This disclaimer became effective on September 14, 2025.

Last Updated: This disclaimer was last updated on September 14, 2025.