Important Disclaimers and Legal Information
Past performance does not guarantee future results.
Financial planning involves risks and individual circumstances vary significantly.
General Information Notice
The information provided on this website is for general informational purposes only and should not be considered as personalised financial advice.
This website aims to provide general guidance on financial planning concepts and our subscription service offerings.
Information Accuracy Statement
While we strive to ensure all information is current and accurate, we cannot guarantee completeness or timeliness of all content.
- Market conditions and regulations change frequently
- Individual circumstances affect financial planning outcomes
- Professional consultation is recommended for specific situations
Always verify current information before making financial decisions.
Limitation of Liability
Our liability is limited to the extent permitted by Australian law.
Excluded Liabilities
We exclude liability for indirect, consequential, or special damages arising from use of our services.
Our maximum liability is limited to the subscription fees paid in the preceding 12 months.
- Investment losses or market volatility impacts
- Decisions made based on general information provided
- Third-party service provider actions or failures
- Technical issues or website accessibility problems
Professional Advice Disclaimer
Our subscription service provides general financial planning discussions and consultations, not specific investment advice.
Always consult qualified professionals for decisions affecting your financial situation.
Consider seeking independent advice tailored to your specific circumstances and goals.
Financial Service Limitations
We provide financial planning consultations and discussions, not investment management or specific product recommendations.
Important Financial Considerations
- All financial decisions carry inherent risks and potential for loss
- Market conditions can significantly impact financial outcomes
- Individual results depend on personal circumstances and market factors
Individual results may vary based on personal circumstances and market conditions.
Third-Party Links Notice
Our website may contain links to external websites for additional information and resources.
We are not responsible for the content, accuracy, or practices of linked external websites.
External links are provided for convenience and do not constitute endorsement of their content or services.
Intellectual Property Rights
All content on this website, including text, graphics, logos, and software, is protected by intellectual property laws.
Content is owned by kouramicovio or licensed from third parties and protected under Australian copyright law.
Unauthorised reproduction, distribution, or modification of website content is strictly prohibited.
Governing Law and Jurisdiction
These disclaimers and our services are governed by Australian law and regulations.
State and Territory Variations
Some aspects of financial regulation may vary between Australian states and territories.
- Licensing requirements may differ by jurisdiction
- Consumer protection laws may have local variations
- Professional standards may include additional local requirements
All disputes are subject to the jurisdiction of Australian courts.
We encourage resolution of disputes through direct communication before formal proceedings.
User Indemnification
Users agree to indemnify kouramicovio against claims arising from misuse of our services or violation of terms.
This includes costs, legal fees, and damages resulting from user actions or omissions.
Severability Clause
If any provision of this disclaimer is found invalid, the remaining provisions continue in full effect.
Invalid provisions will be replaced with valid terms achieving similar commercial objectives.
Changes to Disclaimer
We reserve the right to update these disclaimers as laws, regulations, or business practices change.
Users will be notified of material changes through website updates or direct communication.
Contact Information for Legal Matters
For questions about these disclaimers or legal matters, please contact us using the information below.
Email Address: contact@kouramicovio.world
Phone Number: +61 8 6365 9885
Business Address: 127 Collins Street, Melbourne VIC 3000
This disclaimer was last updated on September 30, 2025
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these disclaimers.