Important Disclaimer

General Information Disclaimer

The content on calenanova.com represents general information about financial planning concepts and strategies. This material is provided for educational and informational purposes only and does not constitute specific financial advice for any individual situation.

Financial planning involves various considerations including personal circumstances, risk tolerance, financial goals, and market conditions. What works for one person may not be suitable for another. All financial decisions should be made after careful consideration of your personal situation.

While we strive to provide accurate and current information, financial markets and regulations change frequently. The information presented may become outdated or may not reflect the most recent developments in financial planning practices or regulatory requirements.

Limitation of Liability

To the fullest extent permitted by Australian law, calenanova and its representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Use of information provided on this website or during consultation sessions
• Any errors or omissions in the content or advice provided
• Technical issues, website downtime, or accessibility problems
• Third-party actions or external factors beyond our control

This limitation applies regardless of whether the claim is based on contract, tort, strict liability, or other legal theory.

Information Accuracy and Currency

We make reasonable efforts to ensure the information on our website is accurate and up-to-date. However, financial markets, regulations, and best practices evolve constantly. Information may become outdated between updates to our website.

Users are responsible for verifying the currency and applicability of any information before making financial decisions. We recommend consulting with qualified professionals for the most current information relevant to your specific situation.

Professional Consultation Disclaimer

Our consultation services provide general guidance and analytical perspectives on financial planning topics. These sessions are designed to help you better understand financial concepts and consider various approaches to planning.

Consultation participants should consider the following important points:

• Consultations focus on educational discussions rather than specific product recommendations
• Participants retain full responsibility for all financial decisions and implementations
• Additional professional services may be required depending on your specific needs and circumstances

External Links and Third-Party Content

Our website may contain links to external websites or reference third-party resources for additional information. These links are provided for convenience and informational purposes only.

We do not endorse, control, or assume responsibility for the content, accuracy, or practices of external websites. Users access third-party sites at their own risk and should review the terms and privacy policies of those sites.

Results and Outcomes

Financial planning outcomes depend on numerous factors including market conditions, personal circumstances, implementation consistency, and external economic factors. No specific results or outcomes can be guaranteed from consultation services or information provided.

User Indemnification

Users agree to indemnify and hold harmless calenanova, its representatives, and affiliates from any claims, damages, or expenses arising from their use of our website or consultation services, including any decisions made based on information or guidance received.

Jurisdiction and Governing Law

These disclaimers and any related matters are governed by Australian law and subject to the following jurisdictional provisions:

Severability of Provisions

If any provision of this disclaimer is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

Modifications to Disclaimer

This disclaimer may be updated periodically to reflect changes in our services, legal requirements, or industry best practices. Updates will be posted on our website with the revision date clearly indicated.

Continued use of our website or services after posting of modifications constitutes acceptance of the updated disclaimer terms.

Contact Information

For questions about this disclaimer or our consultation services, please contact us using the information provided below.