Important Legal Information and Disclaimers

Welcome to seraphilyra Financial Planning. By using our website and services, you acknowledge and agree to the following disclaimers and legal notices.

General Service Disclaimer

The information and services provided through seraphilyra Financial Planning are for general consultation purposes only. While we strive to provide accurate and helpful guidance, all financial planning discussions should be considered as general information rather than specific financial advice. Individual results may vary significantly based on personal circumstances, market conditions, and implementation of discussed strategies.

Limitation of Liability

seraphilyra Financial Planning and its representatives shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our services, including but not limited to:

• • Financial decisions made based on consultation discussions
• • Market fluctuations or economic changes affecting financial outcomes
• • Technical issues or interruptions in service delivery
• • Third-party actions or recommendations outside our direct control

Our total liability shall not exceed the amount paid for our monthly subscription service in the preceding 12 months.

Information Accuracy and Currency

While we make every effort to ensure the accuracy and timeliness of information provided during consultations and on our website, financial markets and regulations change rapidly. Information may become outdated or may not reflect the most current market conditions.

We cannot guarantee the accuracy, completeness, or timeliness of all information provided and recommend verifying current market conditions independently.

Professional Advice Limitation

Our consultation services are designed to provide general financial planning discussions and analytical reviews. We do not provide specific investment recommendations, tax advice, or legal counsel. All discussions should be considered educational in nature.

Third-Party Links and Resources

Our website may contain links to third-party websites or resources. These links are provided for convenience only and do not constitute an endorsement of the content, products, or services offered by third parties. We are not responsible for the content, accuracy, or practices of external websites.

Warranty Disclaimers

seraphilyra Financial Planning provides services "as is" without warranties of any kind, including but not limited to:

• • Warranties of merchantability or fitness for a particular purpose
• • Warranties regarding uninterrupted or error-free service delivery
• • Warranties of specific financial outcomes or results
• • Warranties regarding the suitability of discussed strategies for individual circumstances

Results and Outcome Disclaimers

Individual results may vary.

Financial planning outcomes depend on numerous factors including personal circumstances, market conditions, implementation consistency, and external economic factors. No specific results or financial improvements can be guaranteed through our consultation services.

Intellectual Property Rights

All content, materials, methodologies, and resources provided through seraphilyra Financial Planning are protected by intellectual property laws. Unauthorized reproduction, distribution, or commercial use of our proprietary materials is strictly prohibited without written permission.

User Indemnification

By using our services, you agree to indemnify and hold harmless seraphilyra Financial Planning, its employees, and representatives from any claims, damages, or expenses arising from your use of our services or implementation of discussed financial planning concepts.

Governing Law and Jurisdiction

These disclaimers and our service relationship are governed by Australian law and regulations.

This agreement shall be interpreted according to Australian federal and applicable state financial services regulations.

Severability of Terms

If any provision of these disclaimers is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. Invalid provisions shall be replaced with terms that most closely reflect the original intent while maintaining legal validity.

Modifications to Disclaimers

We reserve the right to modify these disclaimers at any time to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated through our website with updated effective dates. Continued use of our services constitutes acceptance of modified terms.

Acceptance and Acknowledgment

By accessing our website, subscribing to our services, or participating in consultations, you acknowledge that you have read, understood, and agree to be bound by these disclaimers and legal notices. If you do not agree with these terms, please discontinue use of our services immediately.

Contact Information

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

Last updated: September 27, 2025