Important Legal Disclaimer
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The following disclaimer governs your use of this website.
By accessing this website and its content, you acknowledge that you have read, understood, and agree to be bound by these disclaimer terms.
This disclaimer applies to zoliviera.sbs and all associated consultation services provided by zoliviera. The information presented on this website is for general informational purposes only and should not be construed as professional financial advice tailored to your specific circumstances without direct consultation.
General Information Notice
The content provided throughout this website, including articles, consultation descriptions, process explanations, and general guidance materials, represents general information about financial planning concepts and our consultation approach. This content does not constitute personalized financial advice, recommendations, or directives specific to your individual circumstances. Each person's financial situation is unique, requiring individualized analysis before implementing any financial strategies or making significant decisions about resource allocation.
Limitations of Liability
We make reasonable efforts to ensure information accuracy, but we cannot accept liability for outcomes resulting from website content use. The following limitations apply:
Information Accuracy Disclaimer
While we strive to maintain current and accurate information on this website, financial regulations, tax laws, compliance requirements, and best practices evolve constantly. Content may become outdated between update cycles. We endeavor to review and refresh website content regularly but cannot guarantee that all information reflects the most current regulatory environment or industry standards at the time you access it.
Always verify current regulations and consult with licensed professionals before making significant financial decisions.
Professional Advice Requirement
Content on this website does not replace professional financial advice from licensed advisors familiar with your complete financial picture. Before implementing strategies discussed on this website or during consultations, consider seeking additional opinions from qualified financial professionals, tax advisors, legal counsel, or other specialists relevant to your situation.
External Links Disclaimer
This website may contain links to external websites operated by third parties. We provide these links for convenience but do not endorse, control, or assume responsibility for the content, accuracy, or practices of linked external sites. Your use of external websites is at your own risk and subject to their terms.
No Guarantee of Results
Past performance does not guarantee future results. Financial planning outcomes depend on numerous factors including market conditions, regulatory changes, personal discipline, life circumstances, economic environment, and elements beyond anyone's control. We cannot and do not guarantee that following consultation recommendations will achieve specific financial outcomes or goals.
Individual Results May Vary
Client testimonials, case studies, and examples presented on this website represent individual experiences that may not be typical. Your results will likely differ based on your unique circumstances, commitment level, starting point, goals, risk tolerance, market timing, and countless other variables affecting financial outcomes.
Financial Services Limitation Disclaimer
Our consultation services focus on guidance, analysis, and planning support. Important limitations include:
Governing Law and Jurisdiction
This disclaimer and your use of this website are governed by Australian law with the following provisions:
These disclaimer terms are governed by and construed in accordance with the laws of Australia. Any disputes arising from this disclaimer or website use shall be subject to the exclusive jurisdiction of Australian courts.
Australian consumer protection laws may provide rights that cannot be excluded by this disclaimer.
Users accessing this website from outside Australia do so at their own initiative and are responsible for compliance with local laws.
Indemnification Clause
You agree to indemnify and hold harmless zoliviera, its owners, employees, consultants, and affiliates from any claims, damages, losses, liabilities, and expenses including legal fees arising from your use of this website, violation of these disclaimer terms, or decisions made based on website content without appropriate professional consultation.
Severability Provision
If any provision of this disclaimer is found invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from this disclaimer without affecting the validity and enforceability of the remaining provisions.
Disclaimer Modifications
We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to this website. Your continued use of the website after modifications constitutes acceptance of the revised disclaimer. We recommend reviewing this disclaimer periodically to stay informed of any updates.
Questions About This Disclaimer
If you have questions or concerns regarding this disclaimer or need clarification about any provisions, please contact us through the following channels:
Email Address: content@zoliviera.sbs
Phone Number: +61-8-6021-8617
Mailing Address: 34 Welshpool Road, Welshpool, WA 6106 Australia
Disclaimer Effective Date: This disclaimer became effective on October 16, 2025
Disclaimer Last Updated: This disclaimer was last reviewed and updated on October 16, 2025