Important Disclaimers

Please read these important disclaimers before using our services. This information helps you understand the nature and limitations of our financial planning subscription.

Past performance does not guarantee future results.

Financial planning involves risk and individual circumstances may vary significantly.

Last updated: September 28, 2025

General Information Disclaimer

The information provided through our subscription service is for general informational purposes only. We provide analytical reviews and personal consultations but do not guarantee specific outcomes or results.

Our service provides general guidance and should not be considered as professional financial advice. Always consult with qualified professionals for specific situations.

Limitation of Liability

Our liability is limited in the following circumstances:

  • We are not liable for decisions made based on information provided during consultations
  • Individual results may vary based on personal circumstances and market conditions
  • We exclude liability for indirect, consequential, or special damages
  • Our maximum liability is limited to the subscription fees paid in the preceding 12 months

Information Accuracy

While we strive to provide accurate information during our consultations, we cannot guarantee the completeness or accuracy of all data presented.

Information is provided "as is" without warranty of any kind, express or implied.

Financial information and market conditions change frequently, and our discussions reflect conditions at the time of consultation.

External Links

Our service may reference external websites or resources during consultations. We are not responsible for the content or availability of external sites.

Reference to external resources does not constitute endorsement of their content or services.

Financial Planning Disclaimer

Our subscription service provides general financial planning discussions and analytical reviews. We do not provide specific recommendations or manage client assets.

All financial decisions involve risk, and market values can fluctuate significantly.

Always seek advice from licensed professionals before making significant financial decisions.

Results and Expectations

Individual results may vary.

We make no guarantees regarding outcomes from using our subscription service.

Governing Law and Jurisdiction

These disclaimers are governed by Australian law and regulations.

Compliance with Local Laws

Users are responsible for ensuring compliance with their local financial regulations and requirements.

Dispute Resolution

Any disputes will be resolved through Australian courts or approved alternative dispute resolution mechanisms.

Regional Considerations

Financial planning approaches may vary by state and territory within Australia.

Intellectual Property

All content provided through our subscription service remains our intellectual property and may not be reproduced without permission.

Indemnification

Subscribers agree to indemnify us against claims arising from their use of our service or decisions made based on our consultations.

Severability

If any part of these disclaimers is found unenforceable, the remaining provisions will continue in full force.

Changes to Disclaimers

We reserve the right to update these disclaimers. Changes will be posted on our website with updated revision dates.

Contact Information

For questions about these disclaimers, please contact us using the information below.

contact@luminexarvo.com

+61 987-322-030

142 Collins Street, Melbourne VIC 3000