Important Disclaimers

Past performance does not guarantee future results.

Financial planning involves risk. Values can go down as well as up, and you may receive back less than originally invested.

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as professional financial advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of any information contained herein.

By using this website, you acknowledge that you have read, understood, and agree to be bound by these disclaimers. If you do not agree with any part of these disclaimers, please discontinue use of this website immediately.

Information Accuracy and Completeness

We endeavor to keep the information on this website accurate and current. However, financial markets and regulations change rapidly, and information may become outdated without notice. We cannot guarantee that all information is complete, accurate, or current at all times.

  • Market conditions and financial regulations change frequently
  • Information may become outdated between updates
  • External factors may affect the relevance of published content

Limitation of Liability

To the fullest extent permitted by Australian law, we disclaim all liability for any loss or damage arising from your use of this website or reliance on any information provided herein.

We shall not be liable for any direct, indirect, incidental, consequential, or special damages including but not limited to:

  • Financial losses resulting from decisions based on website content
  • Damages arising from technical issues or website downtime
  • Losses due to third-party actions or external circumstances
  • Opportunity costs or lost profits of any kind

Financial Services Disclaimer

The content on this website does not constitute financial product advice. Any information provided is general in nature and does not take into account your individual circumstances, financial situation, or needs. You should consider whether any financial product or service is appropriate for your circumstances.

Financial planning involves risk, and past performance is not indicative of future results. You should carefully consider your financial position and seek professional advice before making any financial decisions.

This service provides general financial planning guidance only and is not a substitute for personalized professional financial advice tailored to your specific circumstances.

External Links and Third-Party Content

This website may contain links to external websites or reference third-party content. These links are provided for convenience only and do not constitute an endorsement of the linked sites or their content.

We are not responsible for the content, accuracy, or practices of external websites, and you access them at your own risk.

Professional Advice Recommendation

We strongly recommend that you seek independent professional advice before making any significant financial decisions. Consider consulting with qualified professionals in the following areas:

  • Licensed financial advisors for comprehensive financial planning
  • Tax professionals for taxation implications
  • Legal professionals for estate planning and legal structures

No Warranties

This website and all information contained herein are provided on an "as is" basis without warranties of any kind, either express or implied.

We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement of intellectual property rights.

Jurisdiction and Governing Law

These disclaimers and your use of this website are governed by Australian law and the laws of the state in which our services are provided.

Any disputes arising from your use of this website shall be subject to the exclusive jurisdiction of Australian courts.

Some jurisdictions may not allow certain liability limitations, so some of the above exclusions may not apply to you.

Important Note: Your statutory consumer rights under Australian Consumer Law remain unaffected by these disclaimers where they cannot be lawfully excluded.

User Indemnification

By using this website, you agree to indemnify and hold harmless Zoravianethl and its affiliates from any claims, damages, or expenses arising from your use of the website or violation of these disclaimers.

Severability

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

Modifications to Disclaimers

We reserve the right to modify these disclaimers at any time without prior notice. Changes will be effective immediately upon posting to this website.

Your continued use of this website after any modifications constitutes acceptance of the updated disclaimers.

Contact Information for Disclaimer Queries

If you have questions about these disclaimers or need clarification on any points, please contact us using the information below:

Email: contact@zoravianethl.com

Phone: +61 7 0255 6920

Address: 140 William Street, Perth WA, Australia

Last Updated: August 5, 2025

Effective Date: August 5, 2025