Important Disclaimers & Legal Information

Please read these important disclaimers carefully before using our financial consultation services. These statements outline the scope and limitations of our advisory relationship.

Past performance does not guarantee future results

Financial decisions carry inherent risks. Market conditions can change rapidly and may impact your financial situation

Last Updated: August 19, 2025

General Disclaimer

The information provided through our consultation services is for general guidance purposes only. Every financial situation is unique, and our discussions should not be considered as one-size-fits-all solutions. We encourage clients to consider their individual circumstances and seek additional professional opinions when making significant financial decisions.

Our consultation services involve discussions about financial concepts and approaches rather than specific professional advice. We do not provide licensed financial advisory services, tax preparation, or legal counsel. For matters requiring professional expertise, we recommend consulting with appropriately licensed professionals in your jurisdiction.

Limitation of Liability

Our liability in connection with our consultation services is limited to the fullest extent permitted by Australian law. We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services.

Loss of profits or business opportunities
Financial losses resulting from market fluctuations or economic conditions
Decisions made based on general information discussed during consultations
Third-party actions or market events beyond our reasonable control

Information Accuracy

While we strive to provide current and accurate information during our consultations, financial markets and regulations change frequently. Information discussed may become outdated, and we cannot guarantee the accuracy or completeness of all topics covered.

Always verify information independently before making financial decisions

Financial Consultation Disclaimer

Our subscription-based consultation service focuses on educational discussions about financial planning concepts. The following limitations apply to our service relationship:

We do not manage client funds or execute financial transactions on behalf of clients
Market analysis discussed during consultations reflects general market observations, not specific recommendations
Tax implications vary by individual circumstances and should be reviewed with qualified tax professionals

Individual results may vary based on personal circumstances and market conditions

External Links and Third-Party Content

Our consultations may reference external websites, tools, or resources for informational purposes. We do not endorse or assume responsibility for the accuracy, privacy practices, or content of external sites.

Use of third-party resources is at your own discretion and risk

No Warranties

Our consultation services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

We make no warranties regarding uninterrupted service, error-free consultations, or specific outcomes

Client Indemnification

Clients agree to indemnify and hold harmless Ephyrosquavina and its representatives from any claims, damages, or expenses arising from their use of our consultation services or decisions made based on discussions during consultations.

Governing Law and Jurisdiction

These disclaimers and our service relationship are governed by Australian law. Any disputes shall be resolved in the appropriate courts of Australia.

Local regulations may impose additional requirements or limitations

Australian Consumer Law protections apply where applicable
Privacy obligations follow Australian Privacy Principles
Financial services regulations vary by state and territory

Severability

If any provision of these disclaimers is found unenforceable, the remaining provisions shall continue in full force and effect.

Modifications to Disclaimers

We reserve the right to update these disclaimers at any time. Continued use of our services after modifications constitutes acceptance of the updated terms.