Important Legal Disclaimers

Please read these disclaimers carefully before using our financial planning services. These statements outline important limitations and regulatory requirements that apply to all our consultations and advice.

Last Updated: August 31, 2025

General Service Limitations

Our financial planning consultations provide general guidance based on information you provide. We make no representations about the suitability of any particular financial approach for your specific situation.

Information provided during consultations should not be considered as formal financial advice without proper licensed consultation

Limitation of Liability

By using our services, you acknowledge and agree to the following limitations on our liability

• We shall not be liable for any direct, indirect, or consequential damages arising from your use of our planning services
• Our maximum liability shall not exceed the amount paid for your current month's subscription
• We exclude liability for decisions made based on general planning discussions without formal financial advice
• No liability for market changes, regulatory updates, or external economic factors affecting your financial situation

Information Accuracy and Completeness

While we strive to provide accurate information during consultations, we cannot guarantee the completeness or current accuracy of all financial data, market conditions, or regulatory requirements discussed.

Financial Planning Specific Disclaimers

Our subscription service provides planning consultations and analytical discussions. Important considerations include

• All financial planning discussions are based on general principles and your provided information
• Individual circumstances, risk tolerance, and financial goals vary significantly between clients
• Market conditions, tax laws, and regulations change frequently and may affect planning recommendations

Individual results may vary based on personal circumstances, implementation, and market conditions

Third-Party Resources and Links

Our consultations may reference external websites, tools, or resources. We do not control or endorse these third-party materials and are not responsible for their content, accuracy, or availability.

Use of any third-party resources mentioned in consultations is entirely at your own risk

Client Experience Statements

Any client testimonials or case study references represent individual experiences and should not be considered typical or guaranteed outcomes.

Your results will depend on your unique financial situation, commitment to implementation, and various external factors

Australian Jurisdiction and Compliance

These disclaimers are governed by Australian law and comply with relevant financial services regulations

Client Indemnification

You agree to indemnify and hold harmless clarionthovexo from any claims, damages, or expenses arising from your use of our planning services or implementation of discussed strategies.

Disclaimer Severability

If any portion of these disclaimers is found unenforceable, the remaining provisions shall continue in full force and effect.

Disclaimer Updates

We reserve the right to update these disclaimers at any time. Continued use of our services constitutes acceptance of any modifications.

Acknowledgment of Understanding

By subscribing to our services, you acknowledge that you have read, understood, and agree to be bound by these disclaimers.

Questions About These Disclaimers

If you have questions about these disclaimers or their application to your situation, please contact us before using our services.