Disclaimer and Important Information

Important Notice

Please read this disclaimer carefully before using our services.

By accessing our website and services, you acknowledge that you have read and understood these disclaimers and agree to their terms.

This disclaimer outlines important information about the limitations, responsibilities, and expectations related to the consultations and analytical reviews provided by ceronivano. We provide informational and consultative services focused on financial planning discussions and assessments, not regulated financial advice.

General Notice

The information and consultations provided through ceronivano are for informational and educational purposes. Our services consist of discussions, analytical reviews, and consultations designed to help you understand your financial planning situation. We do not provide regulated financial advice, nor do we make specific recommendations about particular financial products or transactions. Results may vary based on individual circumstances, and past performance doesn't guarantee future results.

Limitations of Liability

While we strive to provide accurate information and thoughtful consultations, there are inherent limitations to our services:

We are not liable for decisions you make based on our consultations or analytical reviews. All planning decisions remain your responsibility.
We do not guarantee specific outcomes or results from implementing any approaches discussed during consultations. Individual circumstances significantly influence outcomes.
Information provided during consultations reflects our understanding at the time and may become outdated due to changing circumstances or regulations.
We are not responsible for errors in information you provide to us or for outcomes resulting from incomplete or inaccurate information shared during consultations.

Information Accuracy

We make reasonable efforts to ensure information discussed during consultations is current and accurate. However, financial planning involves complex, constantly evolving considerations including regulatory changes, market conditions, and individual circumstances. Information discussed should be verified with relevant professionals before making significant decisions. We update our knowledge regularly but cannot guarantee all information reflects the most recent developments.

While we strive for accuracy, users should verify information independently and consult licensed professionals for specific situations.

Professional Advice Recommendation

Our consultations are informational and educational in nature. They do not constitute professional financial advice, legal counsel, or tax guidance. Before making significant financial decisions, you should consult licensed professionals including financial advisors, attorneys, and tax professionals appropriate to your circumstances.

External Links

Our website may contain links to external websites for informational purposes. We do not control these external sites and are not responsible for their content, privacy practices, or availability. Inclusion of external links does not constitute endorsement of the linked sites or their operators.

Individual Results May Vary Significantly

Outcomes from financial planning approaches depend heavily on individual circumstances including current situation, goals, market conditions, timing, and implementation. What works well for one person may not be appropriate for another. Results may vary significantly based on these factors.

No Guarantee of Specific Outcomes

We do not guarantee that following any approaches discussed during consultations will achieve specific results. Financial planning involves inherent uncertainty, and various factors beyond control can influence outcomes. Past performance doesn't guarantee future results in any aspect of financial planning.

Financial Planning Consultation Limitations

Specific limitations related to our financial planning consultations include:

We do not provide specific transaction recommendations or advice on particular financial products. Our consultations focus on understanding principles and frameworks rather than directing specific actions.
Market conditions, economic factors, and regulatory environments change constantly and may differ significantly from conditions discussed during consultations. Historical information does not predict future developments.
Individual circumstances vary widely. Approaches discussed in general terms during consultations may not be suitable for your specific situation without modification and professional guidance.

Jurisdictional Considerations

Our services and this disclaimer are subject to Australian law and jurisdiction:

These terms are governed by the laws of Australia. Any disputes arising from use of our services will be subject to the exclusive jurisdiction of Australian courts. Users accessing our services from other jurisdictions do so at their own initiative and are responsible for compliance with local laws.

All aspects of our service provision are subject to applicable Australian regulations and consumer protection laws.

Financial planning regulations vary by jurisdiction. Users should understand regulations applicable to their location before making planning decisions.

Indemnification

You agree to indemnify and hold ceronivano, its team members, and associated parties harmless from any claims, losses, or damages arising from your use of our services, your violation of these disclaimers, or your financial planning decisions. This indemnification includes reasonable legal fees.

Severability

If any provision of this disclaimer is found unenforceable or invalid by a court, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Modifications

We reserve the right to modify this disclaimer at any time. Changes become effective when posted on our website. Your continued use of our services after changes constitutes acceptance of the modified disclaimer. We recommend reviewing this disclaimer periodically.

Questions

If you have questions about this disclaimer or need clarification about any aspects, please contact us:

Email Address: content@ceronivano.com

Phone Number: +61 2 6502 8750

Mailing Address: Suite 903 / 241 Adelaide Street, Brisbane, QLD 4000 Australia

This Disclaimer is Effective From: September 12, 2025

Last Reviewed and Updated: September 12, 2025