This Disclaimer sets out important limitations on how the information and services presented on this website should be used and understood. By accessing or using any part of the site, the user acknowledges that they have read, understood and agree to be bound by this Disclaimer, as well as the Terms and Conditions and Privacy Policy. If a user does not agree with any part of these documents, they should refrain from using the website and any related tools or resources.

General notice

The information, tools and resources provided on this website are intended for general informational purposes related to financial planning in marriage and long term relationships. They are not designed to address the objectives, financial situation or needs of any particular individual or couple. Use of the site is at the user’s own risk. The Company does not guarantee that the website will be available without interruption, that it will be secure, or that it will be compatible with any specific device, browser or software. By accessing or using the site, users acknowledge that they remain solely responsible for any decisions made based on the information found here and for seeking additional advice where appropriate.

Limitations of liability

The user acknowledges that use of the website and reliance on its content involve inherent risks, including the risk of financial loss or other adverse outcomes resulting from decisions made based on incomplete or changing information. The Company seeks to manage these risks through clear warnings and responsible content practices, but cannot eliminate them.

• To the fullest extent permitted by law, the Company disclaims all warranties, representations and conditions, whether express, implied or statutory, including any implied warranties of accuracy, fitness for a particular purpose, merchantability, or non infringement, in relation to the website and its content. The website and all information are provided on an as is and as available basis.
• The Company will not be liable for any indirect, incidental, consequential, special, punitive or exemplary damages, including loss of profit, loss of opportunity, loss of data or interruption of business, arising out of or in connection with the use of, or inability to use, the website or its content, even if the Company has been advised of the possibility of such damages.
• Where liability cannot be excluded under applicable law, it will be limited to the extent permitted by that law. In such cases, and to the extent allowed, the total aggregate liability of the Company for any claim arising out of or in connection with the website or this Disclaimer will be limited to the amount, if any, paid by the user directly to the Company for access to the relevant content or service giving rise to the claim.
• Nothing in this Disclaimer is intended to exclude, restrict or modify any consumer guarantees, rights or remedies that cannot be excluded under the Australian Consumer Law or other applicable legislation. To the extent any such rights apply, they remain available to users in addition to any limitations set out in this document.

Information accuracy notice

The Company makes reasonable efforts to ensure that the information provided on this website is accurate, current and based on reliable sources at the time of publication. However, financial rules, market conditions and personal circumstances can change without notice. The Company does not warrant that any content, tools or examples on this site are complete, error free, or suitable for every user situation, and users should independently verify key details before relying on them.

No professional advice

Information and tools on this website are not a substitute for professional advice from licensed financial advisers, legal practitioners, tax agents, medical professionals or other qualified specialists. Users should not act or refrain from acting solely on the basis of website content. Before making decisions that may affect financial security, legal rights, health or other significant interests, users should consult an appropriately qualified professional who can consider their specific circumstances.

External links

The website may contain links to external websites or resources operated by third parties. These links are provided solely for convenience and informational purposes. The Company has no control over the content, security, availability or privacy practices of such external sites and does not endorse, guarantee or assume responsibility for any information, products or services offered there. Users access external links at their own risk and should review the applicable terms and policies of those sites.

No assurance of outcomes

Any references on this website to outcomes, case examples or user experiences are illustrative only and are not promises or predictions. Past performance does not guarantee future results, and results may vary between individuals and over time. The Company does not provide assurances regarding the success, suitability or impact of any approach, discussion framework or planning process mentioned on the site.

Financial and planning information

The website includes content related to financial planning in the context of marriage and long term relationships. This material is designed to provide general information and to support structured discussions between partners. It is not tailored to the needs of any individual user or couple and should not be treated as a sole basis for decisions.

• Content on this website does not constitute personal financial advice, investment advice, tax advice or legal advice. Any scenarios, case studies or examples are illustrative only and are not recommendations or predictions. Users should obtain independent professional advice from appropriately licensed or registered practitioners before making decisions that may have financial, legal or tax consequences.
• Any references to analytical reviews, structured sessions or planning discussions are descriptions of general services and processes. They do not represent offers to provide regulated financial, tax or legal services. The Company does not hold itself out as a licensed financial adviser, tax agent or legal practitioner and does not provide services reserved for such professionals.
• Where the website mentions fees, charges, interest or similar financial terms, such information is indicative only and may not include all applicable costs or conditions. Users should confirm specific terms, including APR rates, fees and repayment or contribution conditions, directly with relevant product providers or advisers before entering into any agreement.

Jurisdiction and territorial scope

The website is operated with a primary focus on users located in Australia. References to laws, standards or regulatory requirements are generally to Australian frameworks unless otherwise stated. Users accessing the site from other jurisdictions are responsible for ensuring that their use of the site complies with local rules.

Indemnification

To the maximum extent permitted by applicable law, users agree to indemnify and hold harmless the Company, its officers, employees, contractors and agents from and against any claims, losses, liabilities, damages, costs or expenses, including reasonable legal fees, arising out of or related to their use of the website, breach of this Disclaimer, or violation of any applicable law or rights of a third party. This indemnity survives termination of access to the website.

Severability

If any provision of this Disclaimer is found by a court or other competent authority to be invalid, unlawful or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect. Failure by the Company to enforce any right or provision under this Disclaimer does not constitute a waiver of that right or provision.

Changes

The Company may amend, update or replace this Disclaimer at any time by publishing a revised version on this page, with an updated effective date. Changes take effect when posted, unless otherwise indicated. Continued use of the website after changes are published constitutes acceptance of the revised Disclaimer. Users are encouraged to review this page periodically to stay informed about the current terms governing use of the site and its content.

Contact

Questions regarding this Disclaimer, the nature of the information provided on the website, or how it applies to a particular use of the site may be directed to the Company using the contact methods indicated on the contact page. The Company may request further details in order to respond appropriately.