Important Disclaimer Information

Please Read Carefully

This disclaimer governs your use of our website.

By using our website and services, you accept this disclaimer in full. If you disagree with any part, please do not use our website.

The information provided on this website is for general informational purposes only. All content is provided in good faith; however, we make no representation or warranty of any kind regarding accuracy, adequacy, validity, reliability, or completeness of information.

General Information Notice

The content on this website is intended to provide general information about financial planning consultations. It should not be considered as professional financial advice tailored to your specific circumstances. Individual situations vary significantly, and what may be appropriate for one person may not suit another. Always consider your unique circumstances before making financial decisions.

Limitations of Liability

Under no circumstances shall we be liable for any loss or damage of any kind incurred as a result of using our website or relying on information provided. This includes:

Direct, indirect, incidental, or consequential damages arising from website use or inability to use the website or services

Any losses resulting from decisions made based on information found on this website without consulting qualified professionals

Damages arising from errors, omissions, interruptions, defects, delays in operation or transmission, or any other website performance issues

Any losses relating to third-party content, links, or services referenced on or accessible through this website

Information Accuracy Disclaimer

While we strive to provide accurate and current information, we make no guarantees regarding the accuracy, completeness, or timeliness of content on this website. Information may become outdated, and we are under no obligation to update materials. Financial regulations, rules, and best practices change frequently, potentially affecting information relevance.

Results may vary significantly based on individual circumstances, decisions, and factors beyond our control.

Professional Advice Requirement

Information on this website does not constitute professional financial advice. Before making financial decisions, consult with qualified professionals who can assess your specific circumstances and provide personalized recommendations. We strongly encourage seeking independent professional advice before acting on any information found here.

External Links Disclaimer

Our website may contain links to external websites not provided or maintained by us. We have no control over the nature, content, or availability of these sites. Inclusion of links does not imply recommendation or endorsement of views expressed within them. External sites have their own terms and privacy policies.

No Guarantee of Specific Results

We do not guarantee any specific outcomes from our consultations or services. Financial results depend on numerous factors including individual circumstances, decisions made, market conditions, and external variables beyond anyone's control. Past performance does not guarantee future results under any circumstances.

Results May Vary Significantly

Individual results will vary based on personal circumstances, effort, decisions, market conditions, and countless other factors. Any examples, case studies, or testimonials presented represent individual experiences and are not promises or guarantees of your results. Your experience may differ substantially from examples shown.

Specific Financial Services Disclaimer

Regarding financial planning consultations and related services, please note the following important considerations:

Consultations provide information and guidance but do not guarantee specific financial outcomes or improvements in your financial situation

Financial markets and conditions are unpredictable and subject to factors beyond anyone's control, including economic changes, regulatory shifts, and global events

Any discussions about financial possibilities or options should not be interpreted as recommendations to take specific actions without thorough personal consideration

Jurisdictional Limitations and Compliance

Our services and website content are designed to comply with Australian regulations and standards. Important jurisdictional considerations include:

Information provided is intended for Australian residents and may not be applicable or appropriate in other jurisdictions. Financial regulations vary significantly between countries and regions. If accessing this website from outside Australia, you do so at your own initiative.

This disclaimer and website use are governed by Australian laws. Any disputes will be subject to the exclusive jurisdiction of Australian courts.

You are responsible for ensuring your use of this website complies with local laws and regulations in your jurisdiction.

Indemnification

By using this website, you agree to indemnify and hold us harmless from any claims, losses, liabilities, damages, costs, or expenses arising from your use of the website, violation of this disclaimer, or infringement of any rights of others through your use of our services.

Severability

If any provision of this disclaimer is found to be unenforceable or invalid under applicable law, such unenforceability or invalidity shall not render this disclaimer unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions herein.

Modifications

We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to the website. Your continued use of the website following any changes constitutes acceptance of those changes. Please review this disclaimer periodically.

Contact Information

If you have questions or concerns about this disclaimer or any information on our website, please contact us using the details below:

Email: content@velthonariqo.sbs

Phone: +61 7 7515 9179

Address: 373 Bay Street, Port Melbourne, VIC 3207 Australia

Effective Date: This disclaimer is effective as of September 12, 2025

Last Updated: This disclaimer was last reviewed and updated on September 12, 2025