Important Disclaimers
Past performance does not guarantee future results.
Financial planning involves risk. Market conditions can affect outcomes. Consider your financial situation before making decisions.
General Information Disclaimer
The information provided on this website is for general informational purposes only. It does not constitute professional financial advice and should not be relied upon as the sole basis for financial decisions. Individual circumstances vary significantly.
This disclaimer applies to all content, consultations, and materials provided through our service, whether written, verbal, or digital.
Information Accuracy
While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content presented.
- Market data and financial information may change rapidly
- Regulatory requirements and tax laws are subject to change
- Individual financial situations require personalised assessment
Limitation of Liability
To the fullest extent permitted by Australian law, we exclude liability for:
- Direct or indirect financial losses resulting from our consultations
- Decisions made based on information provided during consultations
- Market fluctuations or economic changes affecting your finances
- Technical issues affecting service delivery or communication
Professional Advice Disclaimer
Our consultations provide general guidance and analytical discussions about financial planning approaches. This does not constitute specific professional advice tailored to your unique circumstances.
Always consult qualified professionals before making significant financial decisions.
Your personal financial situation, risk tolerance, and goals require individual consideration that goes beyond general consultation discussions.
Third-Party Links
Our website may contain links to external websites for informational purposes.
We are not responsible for the content, accuracy, or practices of third-party websites.
Results and Outcomes
Individual results may vary.
Outcomes from financial planning consultations depend on numerous factors beyond our control, including market conditions, personal circumstances, and implementation of discussed strategies.
- Personal financial discipline and commitment to discussed approaches
- Market conditions and economic environment changes
- Individual circumstances including income, expenses, and life changes
Intellectual Property
All content, materials, and consultation frameworks remain the intellectual property of zenoorayzo. Unauthorised reproduction or distribution is prohibited.
Copyright 2025 zenoorayzo.com. All rights reserved under Australian and international copyright laws.
Governing Law and Jurisdiction
This disclaimer is governed by Australian law and regulations.
Any disputes arising from our services will be subject to the jurisdiction of Australian courts.
Some terms may vary based on your state or territory of residence within Australia.
- Consumer protection laws may provide additional rights in your jurisdiction
- Professional standards may vary between Australian states and territories
- Regulatory oversight may differ based on your location
Indemnification
By using our services, you agree to indemnify zenoorayzo against any claims, losses, or damages arising from your use of our consultations or implementation of discussed approaches.
Changes to This Disclaimer
We may update this disclaimer periodically to reflect changes in our services or legal requirements. Updated versions will be posted on our website.
Continued use of our services after changes constitutes acceptance of the updated disclaimer.
Questions About This Disclaimer
If you have questions about this disclaimer or need clarification on any terms, please contact us using the information below.
Last updated: August 16, 2025
18+ only