Important Disclaimers

Please read these important disclaimers carefully before using our services. These statements outline the terms, limitations, and legal considerations that apply to your use of velanoriquez's financial planning subscription service.

Past performance does not guarantee future results.

Financial planning involves risk. Your personal financial situation may change, and market conditions can affect outcomes.

Last updated: September 10, 2025

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as professional financial advice tailored to your specific circumstances. While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, or reliability of any information on this site.

Our subscription service provides general financial planning discussions and consultations. This does not constitute specific financial advice, and you should always consult with qualified professionals before making significant financial decisions. We are not licensed to provide specific investment recommendations or tax advice.

Limitation of Liability

To the fullest extent permitted by Australian law, velanoriquez and its affiliates shall not be liable for any damages arising from your use of our services, including but not limited to:

Direct, indirect, incidental, or consequential damages
Loss of profits, revenue, or business opportunities
Personal financial losses resulting from decisions made based on our consultations
Technical issues, service interruptions, or data loss

Information Accuracy

While we make reasonable efforts to ensure the accuracy of information provided during consultations and on our website, financial markets and regulations change frequently. We cannot guarantee that all information remains current or applicable to your specific situation at all times.

No Warranty

Our services are provided "as is" without any express or implied warranties. We disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

Timeliness of Information

Financial information and market conditions change rapidly. Information provided during consultations reflects conditions at the time of discussion and may not remain relevant for future decisions.

Financial Planning Disclaimers

Our financial planning subscription focuses on general planning discussions and analytical reviews. Please note the following important considerations:

All financial decisions involve risk, and you may experience losses. Market volatility can significantly impact your financial position.

We do not guarantee any specific financial outcomes or returns from following our planning discussions.

Always seek independent professional advice from licensed financial advisors, tax professionals, and legal counsel before making significant financial decisions.

Individual results may vary based on personal circumstances, market conditions, and implementation of discussed strategies.

External Links

Our website may contain links to third-party websites for your convenience. We do not control or endorse these external sites and are not responsible for:

The content, accuracy, or availability of external websites
Any damages or losses arising from your use of linked sites

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of velanoriquez and is protected by Australian and international copyright laws. Unauthorized use is prohibited.

Legal Jurisdiction

These disclaimers and your use of our services are governed by Australian law and subject to the following jurisdictional provisions:

Governing Law

These terms are governed by the laws of Australia, and any disputes will be resolved in Australian courts with appropriate jurisdiction.

Local Regulations

Financial regulations may vary by Australian state or territory. You are responsible for ensuring compliance with local laws applicable to your situation.

Dispute Resolution

Any disputes arising from our services will first be addressed through good faith negotiation. If unresolved, disputes may be submitted to binding arbitration under Australian commercial arbitration rules.

User Indemnification

You agree to indemnify and hold velanoriquez harmless from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Severability

If any provision of these disclaimers is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.

Modifications to Disclaimers

We reserve the right to modify these disclaimers at any time. Changes will be posted on our website with an updated revision date.

You are responsible for regularly reviewing these disclaimers and ensuring you understand the terms and limitations of our services.

Contact Information

If you have questions about these disclaimers or need clarification about our services, please contact us using the information below:

Email: contact@velanoriquez.com

Phone: +61 149-626-771

Address: 123 Collins Street, Melbourne VIC 3000

Acceptance of Terms

By using our website or subscribing to our services, you acknowledge that you have read, understood, and agree to be bound by these disclaimers and all applicable terms and conditions.