Service disclaimer and legal notice

Important notice

This website is for informational purposes only and does not constitute personal financial advice.

Consult a licensed professional regarding your specific circumstances before making decisions.

The information provided on this website relates to subscription-based financial planning services offered in Australia. While we strive for accuracy, content may not reflect the most recent changes in regulation or individual circumstances. Results may vary.

General information only

All content on this website is intended as general information. We do not provide guarantees of specific outcomes or offer any guarantee of improved financial circumstances. Consultation with a qualified professional is recommended for your unique needs.

Limitation of liability

calyphiqora and its advisors are not liable for any loss or damage resulting from reliance on the information provided herein.

We are not responsible for decisions made based on general information found on this site.
No liability is accepted for omissions, inaccuracies, or outdated information.
External links are provided for convenience, but we are not responsible for their content.
Past performance does not guarantee future results; consult with professionals for personalised guidance.

Accuracy of information

While we endeavour to keep information accurate and updated, we cannot guarantee completeness or ongoing relevance. Users are encouraged to verify any material before acting on it.

Content may be updated or changed without notice and is not a substitute for professional advice.

No personal advice

This website does not offer personal financial, legal, or tax advice. Always seek independent advice tailored to your situation.

External links

Links to other sites are provided for reference only. calyphiqora is not responsible for external content or practices, and inclusion does not imply endorsement.

Results may vary disclaimer

Outcomes from planning services can differ based on individual circumstances. No guarantee of specific results is offered.

Past performance variation

Past outcomes are not indicative of future results. Each situation is unique and should be evaluated independently.

Financial advice limitations

Our services are limited to general planning guidance and do not extend to investment recommendations.

We do not offer, promote, or sell investment products, securities, or aggressive strategies.
No financial instruments, education, or portfolio management services are provided.
All advice is general in nature and not tailored to specific investment objectives.

Jurisdiction and law

This website and its services are governed by the laws of Australia.

All users agree to comply with local regulations and Australian law when using this site. Disputes are subject to the jurisdiction of Australian courts.

Australian law applies to all services and content provided through this platform.

Please check for any additional local or regional restrictions that may apply to your situation.

Indemnification

Users agree to indemnify calyphiqora against any claims arising from misuse or unauthorised use of the site.

Severability

If any part of this disclaimer is found invalid, remaining sections remain effective.

Modifications

calyphiqora may update or change this disclaimer at any time. Continued use of the site constitutes acceptance of changes.

Contact us

For questions about this disclaimer or our services, please contact our office for clarification.

Email address: content@calyphiqora.com

Phone number: +61877010118

Office address: 34 Welshpool Road, Welshpool, WA 6106 Australia

Effective date: September 23, 2025

Last updated: September 23, 2025