Disclaimer

General Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as professional financial advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind about the completeness, accuracy, reliability, or suitability of the information contained herein.

Any reliance you place on such information is strictly at your own risk. Before making any financial decisions, we strongly recommend consulting with qualified financial professionals who can assess your individual circumstances and provide personalised advice.

Limitation of Liability

To the fullest extent permitted by Australian law, crystanovael and its directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or our services, including but not limited to

• • Loss of profits, revenue, or business opportunities
• • Personal injury or property damage
• • Loss of data or information
• • Business interruption or system failures
• • Any other commercial damages or losses

This limitation applies regardless of the theory of liability, whether based on warranty, contract, statute, tort, or otherwise, even if we have been advised of the possibility of such damages.

Information Accuracy

We make reasonable efforts to ensure that all information presented on this website is accurate and current as of the publication date. However, financial markets, regulations, and economic conditions change rapidly, and information may become outdated without notice.

We do not warrant that the information will be error-free, complete, or suitable for any particular purpose. Users should independently verify any information before relying on it for financial decisions.

We reserve the right to modify, update, or remove any content at any time without prior notice, and we are not obligated to update information to reflect subsequent developments.

Professional Advice Disclaimer

The content on this website does not constitute professional financial, legal, tax, or investment advice. Our services are designed to provide general financial planning discussions and analytical reviews, not specific investment recommendations or guaranteed outcomes.

You should always seek advice from qualified professionals regarding your specific financial situation, tax implications, legal requirements, and investment objectives before making any significant financial decisions.

External Links

This website may contain links to third-party websites or resources that are provided for your convenience and informational purposes only. These external sites are not under our control, and we do not endorse or assume responsibility for their content, privacy policies, or practices.

Your interactions with external websites are governed by their respective terms and conditions and privacy policies. We encourage you to review these documents before engaging with any third-party services.

No Warranties

We provide this website and all information, services, and content on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to

• • Warranties of merchantability, fitness for a particular purpose, and non-infringement
• • Warranties that the website will be uninterrupted, secure, or error-free
• • Warranties regarding the accuracy, reliability, or completeness of any content
• • Any warranties arising from course of dealing or usage of trade

Results Disclaimer

Financial planning outcomes depend on numerous factors including individual circumstances, market conditions, economic changes, and personal commitment to implementing recommendations. We cannot guarantee specific results, returns, or outcomes from our planning discussions or analytical reviews.

Individual results may vary based on personal circumstances and market conditions

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of crystanovael or its licensors and is protected by Australian and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

Jurisdiction and Governing Law

This disclaimer is governed by the laws of Australia and the state or territory in which our principal place of business is located.

Indemnification

You agree to indemnify and hold harmless crystanovael, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of this website or violation of these terms, except to the extent prohibited by applicable consumer protection laws.

Severability

If any provision of this disclaimer is deemed invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be severed from this disclaimer without affecting the validity of the remaining provisions.

Changes to This Disclaimer

We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on this website. Your continued use of our website after any changes constitutes acceptance of the updated disclaimer. We encourage you to review this page periodically for any updates.

Contact Information

If you have questions about this disclaimer or need clarification on any of these terms, please contact us using the information below

Acceptance of Terms

By using this website and accessing our services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. If you do not agree with any part of this disclaimer, you should not use our website or services.