Important Disclaimer

Learn more about the important terms and conditions that govern your use of our financial planning subscription service.

This disclaimer was last updated on September 10, 2025

General Information Disclaimer

The information provided through our subscription service is for general informational purposes only. Our consultations and materials are designed to help you understand various approaches to financial planning and money management.

Results may vary based on individual circumstances, market conditions, and personal financial situations. We cannot guarantee specific outcomes or returns on any financial decisions you may make.

Limitation of Liability

Our liability is limited in the following circumstances:

• • We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our service
• • Our total liability shall not exceed the amount you have paid for our subscription service
• • We are not responsible for market fluctuations, economic changes, or external factors affecting your financial situation
• • Any decisions made based on our consultations are entirely at your own risk and discretion
• • We cannot be held liable for technical issues, service interruptions, or communication delays

Information Accuracy and Currency

While we strive to provide accurate and current information, financial markets and regulations change rapidly. Information provided may not reflect the most recent developments.

We make no representations about the completeness, accuracy, or reliability of any information provided through our subscription service.

It is your responsibility to verify any information before making financial decisions or taking action based on our consultations.

Not Professional Financial Advice

Our subscription service provides general financial planning discussions and consultations. This does not constitute professional financial advice specific to your individual circumstances.

We do not provide recommendations for specific financial products, securities, or transactions. Our role is limited to general planning discussions and analytical reviews.

External Links and Third-Party Content

Our service may contain links to external websites or reference third-party resources. We are not responsible for the content, accuracy, or availability of these external sources.

Any reliance on external information or third-party content is entirely at your own risk. We do not endorse or guarantee any external services or products.

Results and Outcome Disclaimer

Financial planning outcomes depend on numerous factors including market conditions, personal discipline, changing circumstances, and external economic factors beyond our control.

Individual results may vary.

Success in financial planning requires consistent effort, appropriate risk management, and often involves long-term commitment to planning principles.

User Indemnification

You agree to indemnify and hold harmless zenosonoso, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our service or any decisions made based on our consultations.

Jurisdiction and Governing Law

This disclaimer is governed by Australian law and subject to the jurisdiction of Australian courts.

Severability Clause

If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Changes to This Disclaimer

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

Your continued use of our service after any modifications constitutes acceptance of the updated disclaimer terms.

Acceptance of Terms

By using our financial planning subscription service, you acknowledge that you have read, understood, and agree to be bound by all terms set forth in this disclaimer.

Contact Information for Disclaimer Inquiries

For questions about this disclaimer, please contact us: