zetharivon - Values-driven zero-based budgeting consultation services for informed decisions

Important Notice

Read this disclaimer carefully before using services.

This disclaimer limits our liability and explains important service limitations that affect your rights and obligations.

This disclaimer governs your use of zetharivon.com consultation services and website content. By accessing this website or engaging our services, you acknowledge and accept these limitations and disclaimers in their entirety.

General Service Notice

The consultation services provided by zetharivon.com focus on zero-based budgeting frameworks and values alignment analysis. These consultations offer analytical perspectives and discussion of financial decision-making frameworks. They do not constitute comprehensive financial planning, investment advice, tax guidance, legal counsel, or professional recommendations carrying fiduciary obligations. You remain solely responsible for all financial decisions made during or after consultations. Results may vary significantly based on individual circumstances.

Liability Limitations Overview

Important limitations apply to our liability for consultation services and website content. Understanding these limitations is essential before engaging our services.

We provide analytical frameworks and perspectives but make no representations or warranties regarding specific financial outcomes that may result from applying discussed methodologies.

zetharivon.com and its consultants shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from service use or reliance on provided frameworks.

Our total liability for any claim related to consultations shall not exceed the fees you paid for the specific consultation session giving rise to that claim.

We are not liable for losses resulting from your financial decisions, implementation errors, changed circumstances, or external factors beyond the consultation scope.

Information Accuracy Limitations

While we strive to provide accurate and current information during consultations and on our website, we make no warranties regarding completeness, accuracy, reliability, or suitability of any information provided. Financial situations vary widely, and frameworks that suit one situation may not apply to another. You should verify information independently and consider your unique circumstances before making decisions.

Information provided reflects general principles and may not account for all variables affecting your specific situation.

Professional Advice Disclaimer

Our consultations do not replace professional advice from qualified financial planners, accountants, lawyers, or other licensed professionals. For matters requiring professional certifications or regulatory oversight, you should consult appropriately licensed advisors. We encourage seeking multiple perspectives before making significant financial decisions.

External Links Disclaimer

Our website may contain links to third-party websites for reference or convenience. We do not control, endorse, or assume responsibility for content, privacy policies, or practices of any third-party sites. Visiting linked sites is at your own risk and subject to those sites' terms and policies.

No Guarantee of Results

We explicitly disclaim any guarantee of specific financial outcomes from applying discussed frameworks or methodologies. Budget success depends on numerous factors including discipline, circumstances, income stability, unexpected expenses, and consistent implementation over time. Past performance doesn't guarantee future results. Individual results vary significantly.

Individual Results Will Vary

Financial situations differ dramatically across individuals based on income levels, expense structures, family circumstances, goals, discipline levels, and countless other variables. Frameworks that prove helpful for one person may not suit another. We cannot predict how effectively you will implement discussed methodologies or what outcomes you will achieve.

Financial Services Regulatory Disclaimer

Important clarifications regarding the nature of our services under Australian financial services regulations:

Our consultations provide general information and analytical frameworks rather than personal financial product advice as defined under Australian securities and investment regulations.

We do not recommend specific financial products, securities, funds, or investment vehicles. Our focus remains on budgeting methodologies and decision-making frameworks.

For matters requiring licensed financial advice, including retirement planning or investment product selection, you should consult appropriately licensed financial advisors who can provide regulated advice.

Jurisdiction and Applicable Law

This disclaimer is governed by and construed in accordance with the laws of Australia, specifically New South Wales jurisdiction.

Any disputes arising from this disclaimer or services provided shall be subject to the exclusive jurisdiction of courts in New South Wales, Australia. This disclaimer is written to comply with Australian consumer protection and financial services regulations.

Australian Consumer Law provisions apply where legally required and cannot be excluded.

Some jurisdictions may provide statutory rights that cannot be contractually waived or limited.

Indemnification

You agree to indemnify, defend, and hold harmless zetharivon.com, its consultants, employees, and representatives from any claims, liabilities, damages, losses, or expenses including reasonable legal fees arising from your use of services, implementation of discussed frameworks, or violation of this disclaimer.

Severability

If any provision of this disclaimer is found invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary or severed, while remaining provisions continue in full force and effect.

Modifications

We reserve the right to modify this disclaimer at any time to reflect changes in services, legal requirements, or business practices. Material changes will be communicated through website notices. Continued use after modifications constitutes acceptance of the updated disclaimer.

Contact

If you have questions or concerns about this disclaimer or need clarification regarding service limitations, please contact us using the information provided below.

Disclaimer Email Address: content@zetharivon.com

Disclaimer Phone Number: +61-8-6078-1529

Practice Address: 34 Welshpool Road, Welshpool, WA 6106 Australia

Legal Disclaimer