Important Legal Disclaimers and Notices

Please read these disclaimers carefully before using our website or engaging our consultation services. By accessing this website, you acknowledge and agree to these terms.

General Information Disclaimer

The information provided on this website is for general informational purposes only and does not constitute professional financial advice, recommendations, or endorsements. All content is subject to change without notice and should not be relied upon as the sole basis for financial decisions.

Information Accuracy and Updates

While we strive to maintain accurate and current information, we cannot guarantee the completeness, accuracy, or timeliness of all content. Information may become outdated due to market changes, regulatory updates, or other factors.

• Market data and financial information may be delayed or subject to revision
• Regulatory requirements and compliance standards may change without notice
• Third-party information sources may contain errors or omissions

Limitation of Liability

To the maximum extent permitted by Australian law, praenostilo and its representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Use of information or services provided through this website
• Interruption of service, technical malfunctions, or data loss
• Third-party content, links, or external website information
• Decisions made based on general information provided herein

Professional Advice Recommendation

The information on this website is not intended to replace professional financial, legal, tax, or accounting advice. Always consult with qualified professionals regarding your specific financial situation before making important decisions.

External Links and Third-Party Content

Our website may contain links to external websites or reference third-party services. We do not endorse, control, or assume responsibility for the content, policies, or practices of any linked sites or third-party providers.

No Warranties or Guarantees

We provide our website and information on an "as is" basis without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Guarantees regarding accuracy, completeness, or reliability of information
• Assurances of uninterrupted or error-free website operation

Financial Service Limitations

Our consultation services focus on general financial planning discussions and analytical reviews. We do not provide specific investment recommendations, manage client funds, or guarantee particular financial outcomes.

Results and Outcomes Disclaimer

Any examples, case studies, or testimonials presented represent individual experiences and should not be considered typical results. Your personal financial situation and outcomes may differ significantly. Individual results may vary and are not guaranteed.

User Indemnification

By using our website and services, you agree to indemnify and hold harmless praenostilo, its employees, and representatives from any claims, damages, or expenses arising from your use of our services or violation of these disclaimers.

Governing Law and Jurisdiction

These disclaimers are governed by Australian law, with specific considerations for:

Severability of Terms

If any provision of these disclaimers is found to be unenforceable or invalid under applicable law, the remaining provisions shall continue in full force and effect.

Modifications and Updates

We reserve the right to modify these disclaimers at any time without prior notice. Changes become effective immediately upon posting. Your continued use of our website constitutes acceptance of any modifications.

Questions About These Disclaimers

If you have questions about these disclaimers or our services, please contact us using the information provided below.

Last Updated: September 1, 2025