General Service Disclaimer Notice
Attention:
Information on this website is for general discussion purposes.
No guarantees, promises, or outcomes are assured from use of consultations or materials.
The materials and insights offered here are prepared for information, discussion, and guidance only. No information should be treated as a replacement for tailored professional advice.
General Information Notice
Our firm provides analytical reviews and discussions rather than direct financial product recommendations. All insights are based on opinion and current understanding, not certain outcomes. Decisions you make using this content are at your own discretion. Consult additional professionals as appropriate.
Liability Limitations Statement
We expressly exclude responsibility for your decisions based on site materials or consultations.
- No liability for lost data, missed opportunities, or perceived outcomes from using insights shared here.
- Consultations do not constitute official advice and may not suit all individuals or markets.
- Actions taken are your sole responsibility and must be evaluated personally.
- Website content is not monitored for timeliness and may not reflect recent regulations or conditions.
Accuracy and Timeliness
We strive for accuracy but cannot promise that all information is current, correct, or comprehensive. Market conditions and individual factors can affect relevance. All data and commentary are indicative and not exhaustive.
Cross-reference our information with multiple sources when making any financial decisions.
Professional Advice Caution
This service is not a substitute for independent professional, legal, or financial consultation specific to your needs.
External Links
Links to outside resources are for reference only. We do not control third-party content and take no responsibility for its accuracy or safety.
Results and Performance Disclaimer
Outcomes from consultations and insights may differ for every client. Past experiences do not predict future results.
Reasons for Variation in Outcomes
Individual circumstances, market factors, and independent decisions mean results may vary. Evaluate with your own trusted advisors.
Financial and Regulatory Information
Regulations and guidance for financial discussions may change without notice. Errors or omissions are possible.
- APRs, fees, and terms are subject to change and must be confirmed before engaging in financial products or services.
- Content does not constitute an offer or promotion of any financial instrument or product.
- Recommendations do not promise a particular outcome and must be supplemented by further professional advice.
Jurisdiction and Law Notice
All engagements and recommendations are governed by the laws of Australia.
Legal terms on this site comply with the relevant Australian state and federal requirements. International users agree to local and Australian rules when consulting or using the service.
Australian law applies to content, use, and consultations. Disputes fall under Australian court authority.
Users are responsible for understanding and complying with local guidelines and responsibilities within their area.
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By using our service, you agree to cover the company for any losses resulting from your misuse or unlawful acts relating to our conversations or materials.
Severability
If any disclaimer section is found invalid, the remainder stands and remains enforceable.
Changes
We may update this disclaimer to reflect regulatory changes or business decisions. Review regularly for the latest notice.
Contact
Please contact our team for additional disclaimers or with related enquiries.
Contact Email: content@melquindaro.com
Contact Phone: +61753568677
Contact Address: 265 King Street, Newcastle, NSW 2300 Australia
Effective Date: October 12, 2025
Last Updated: October 12, 2025