Important Financial Disclaimer
Past performance does not guarantee future results.
All investments carry risk and may lose value. Consider your financial situation before investing.
General Information Disclaimer
The information provided on this website is for general educational purposes only and should not be considered as personalized financial advice. We make reasonable efforts to ensure accuracy but cannot guarantee the completeness or timeliness of all information presented.
Market conditions change rapidly and individual circumstances vary significantly. What works for one investor may not be suitable for another, depending on risk tolerance, investment timeline, and financial goals.
Limitation of Liability
To the maximum extent permitted by Australian law, we disclaim liability for any losses or damages arising from:
- Reliance on general information without seeking professional advice
- Market volatility or investment performance variations
- Technical issues or interruptions to our services
- Third-party actions or external economic factors
Information Accuracy
While we strive to maintain current and accurate information, financial markets and regulations change frequently. All data, rates, and figures are subject to market conditions and should be verified independently.
We reserve the right to update or modify information without prior notice as market conditions evolve.
Information is provided on an "as is" basis without warranties of any kind, express or implied.
Financial Services Disclaimer
Our financial planning services are designed to provide educational guidance and strategic recommendations based on your individual circumstances. However, all investment decisions remain your responsibility.
This service does not constitute investment advice under Australian financial services regulations.
Always consult with licensed financial advisors before making significant investment decisions.
External Links Policy
Our website may contain links to third-party websites for additional resources and information. These links are provided for convenience only.
We are not responsible for the content, accuracy, or practices of external websites.
Professional Relationship
Using our services or accessing our website does not automatically create a formal advisor-client relationship.
A professional relationship is established only through our formal consultation process and signed agreements.
Results and Outcomes
Financial planning outcomes depend on numerous factors including market performance, economic conditions, and individual circumstances.
Individual results may vary significantly based on personal financial situations.
Jurisdiction and Compliance
This disclaimer is governed by Australian law and regulations.
Our services comply with Australian Financial Services licensing requirements and consumer protection laws.
Some information may not apply to residents of other countries or jurisdictions.
Any disputes will be resolved through Australian courts or approved alternative dispute resolution services.
This disclaimer is subject to Australian Consumer Law and cannot exclude rights that cannot be lawfully excluded.
User Indemnification
Users agree to indemnify us against any claims arising from misuse of information or services provided through this website.
Severability Clause
If any part of this disclaimer is deemed invalid, the remaining provisions continue in full effect.
Changes to This Disclaimer
We may update this disclaimer periodically to reflect changes in regulations or business practices.
Continued use of our services constitutes acceptance of any updated terms.
Contact Information for Disclaimer Queries
For questions about this disclaimer or our services, please contact us using the information below.
Crystalithane Services Pty Ltd
Level 30, 498 Collins Street, Melbourne VIC 3000, Australia
July 13, 2025: July 13, 2025