Service Disclaimer

This disclaimer clarifies the nature of services provided by finoraveliq and limitations on our liability. Our consultations provide guidance regarding zero-based budgeting implementation but do not constitute professional financial advice as defined under Australian financial services regulations.

General Notice

finoraveliq provides consultation services focused on zero-based budgeting methodologies and values-aligned spending frameworks. Our consultants offer personalized guidance based on information you provide, but ultimate financial decisions and their consequences remain your sole responsibility. We do not manage money, execute transactions, or provide investment recommendations. Our role is purely consultative, helping you develop awareness and capability for making independent financial decisions.

Liability Limitations

Our liability is limited in the following important ways:

• finoraveliq and its consultants bear no responsibility for financial outcomes resulting from decisions you make based on our consultations or recommendations, whether positive or negative.
• We provide guidance in good faith based on information you share, but we cannot verify accuracy of that information or predict how external factors might affect outcomes.
• To the maximum extent permitted by Australian law, we exclude all warranties, express or implied, regarding consultation services, including warranties of merchantability or fitness for particular purposes.
• Our aggregate liability for any claims arising from our services shall not exceed the total fees you have paid to finoraveliq for consultation services in the twelve months preceding the claim.

Information Accuracy

We strive to provide accurate, current information during consultations and on our website. However, financial circumstances, regulations, and best practices evolve continuously. Information provided reflects our understanding at the time of consultation but may become outdated. We make no representations or warranties regarding completeness, accuracy, or reliability of any information provided.

Not Professional Financial Advice

finoraveliq consultations do not constitute professional financial advice, tax advice, legal advice, or accounting services. Our guidance focuses on budgeting methodology and values alignment, not specific financial products, legal structures, or tax strategies. You should consult licensed professionals for advice regarding investments, tax planning, legal matters, or regulated financial services.

External Links

Our website may contain links to third-party websites or resources for your convenience. We do not endorse, control, or assume responsibility for content, privacy policies, or practices of any external sites. Accessing third-party links is at your own risk, and we encourage reviewing their terms and policies.

No Guaranteed Results

We cannot and do not guarantee specific financial outcomes from implementing zero-based budgeting or following recommendations provided during consultations. Results depend on numerous factors including your discipline, accuracy of information provided, consistency of implementation, and external circumstances beyond our control or prediction.

Financial Services Disclaimer

Important clarifications regarding the nature of our services:

• finoraveliq does not hold an Australian Financial Services License and does not provide financial product advice, recommendations regarding specific securities, or portfolio management services.
• We do not receive commissions, fees, or compensation from third parties for recommending specific financial products, services, or institutions to clients.
• Our consultations focus exclusively on budgeting methodology, expense analysis, and values alignment, not on investment selection, asset allocation, or specific financial product recommendations.

Jurisdictional Limitations

Our services are subject to the following geographic and legal limitations:

Indemnification

You agree to indemnify and hold harmless finoraveliq, its consultants, employees, and affiliates from any claims, damages, losses, or expenses arising from your use of consultation services, reliance on recommendations provided, or financial decisions you make based on consultations.

Severability

If any provision of this disclaimer is found to be unenforceable or invalid under applicable law, that provision shall be modified to achieve the intended purpose to the maximum extent possible, and the remaining provisions shall remain in full force and effect.

Modifications

finoraveliq reserves the right to modify this disclaimer at any time to reflect changes in services, legal requirements, or business practices. Updated disclaimers will be posted on our website with a revised effective date. Continued use of services after modifications constitutes acceptance of the updated disclaimer.

Contact

If you have questions about this disclaimer or need clarification regarding any provision, please contact us using the information below.