Educational Purpose Only

Our financial calendar planning tools, resources, and educational content are designed for informational and educational purposes. They're meant to help you develop better planning habits and understand financial timing concepts. But here's what matters most:

• Content should not replace professional financial advice tailored to your specific situation
• We provide frameworks and guidance, not personalized financial recommendations
• Each person's financial circumstances differ, and what works for one may not suit another
• Our materials offer general principles rather than specific investment directives

Think of our resources as a starting point for your financial planning journey. You still need to apply critical thinking and consider your unique circumstances when making any financial decisions.

No Professional Advice Relationship

Using our website or engaging with our content does not create any form of professional-client relationship. We're not acting as your financial advisor, accountant, tax professional, or legal counsel. This means:

• We don't know your specific financial situation, goals, or constraints
• Our content isn't customized to address your particular needs or circumstances
• You remain solely responsible for decisions made based on our resources
• No fiduciary duty exists between hilvenarix and users of our services

If you need advice specific to your situation, reach out to licensed professionals who can review your complete financial picture. And honestly, that's probably a good idea for any major money moves.

Information Accuracy and Currency

We work to keep our content accurate and up-to-date. Financial regulations, tax laws, and best practices change regularly, though, and keeping pace can be challenging. Here's what you should know:

• Content reflects information available at the time of publication
• Financial regulations and requirements may change without notice
• We can't guarantee that all information remains current after publication
• Australian financial laws and requirements may differ from other jurisdictions

We update our resources periodically, but there might be gaps. If something seems outdated or doesn't match current regulations, verify the information independently before relying on it.

No Guarantees or Warranties

Our website and services are provided "as is" without warranties of any kind. We can't promise specific outcomes from using our resources. What this means in practical terms:

• Following our planning frameworks may not result in improved financial outcomes
• We don't guarantee that our tools will meet your specific requirements
• Content may contain errors, omissions, or outdated information despite our efforts
• Technical issues may occasionally interrupt service availability
• Results vary widely based on individual circumstances and implementation

Financial planning involves complexity and uncertainty. Many factors beyond planning affect outcomes, including market conditions, personal circumstances, and timing.

Limitation of Liability

To the fullest extent permitted by Australian law, hilvenarix and its team members, contractors, and affiliates shall not be liable for any damages arising from your use of our website or services. This includes but isn't limited to:

• Financial losses resulting from decisions made using our resources
• Missed opportunities or timing issues related to financial planning
• Technical problems preventing access to our services
• Errors or omissions in content that lead to incorrect conclusions
• Indirect, consequential, or incidental damages of any nature

You assume full responsibility for decisions made based on information found on our website. That's part of taking ownership of your financial planning journey.

Third-Party Links and Resources

Our website may contain links to external resources, tools, or websites for your convenience. We don't control these third-party sites and can't vouch for their content or practices. When you click external links:

• You leave our website and enter a space we don't control
• Third-party privacy policies and terms apply instead of ours
• We're not responsible for accuracy of information on linked sites
• The presence of a link doesn't constitute our endorsement

Review the terms and policies of any external sites before using them or providing personal information.

Australian Jurisdiction

hilvenarix operates from Queanbeyan, New South Wales, Australia. Our content primarily addresses Australian financial planning contexts, including relevant regulations and common practices within Australia. Important jurisdictional considerations:

• Financial regulations referenced apply to Australian circumstances
• Tax considerations and deadlines reflect Australian requirements
• Content may not apply to users in other countries or jurisdictions
• This disclaimer and our terms are governed by laws of New South Wales and Australian federal law

If you're accessing our website from outside Australia, understand that the information may not apply to your local regulations or requirements. Seek advice from professionals familiar with your jurisdiction.

Changes to This Disclaimer

We may update this disclaimer periodically to reflect changes in our services, legal requirements, or operational practices. When we make significant changes, we'll update the effective date at the top of this page. Your continued use of our website after changes take effect means you accept the updated terms.

We recommend reviewing this disclaimer occasionally, particularly before making decisions based on our resources or if you notice the effective date has changed since your last visit.