Legal Disclaimer

Important Notice

Please read this disclaimer carefully before using our services

By accessing janovaruthen website and services, you acknowledge understanding and accepting the terms outlined in this disclaimer

janovaruthen provides informational financial planning consultations designed to help Australian individuals understand personal finance concepts and explore potential strategies. This disclaimer clarifies the nature of our services, limitations, and your responsibilities when using information provided through consultations.

General Notice

Information and guidance provided during janovaruthen consultations are educational and informational in nature. We do not provide financial product advice, portfolio management services, or specific recommendations to buy, sell, or hold any financial instruments. Our consultations focus on general budgeting strategies, savings approaches, and financial goal planning suitable for Australian residents. All content is current as of the consultation date and may become outdated due to regulatory changes, economic shifts, or other factors beyond our control.

Limitations of Liability

janovaruthen and its consultants shall not be held liable for:

Financial losses or missed opportunities resulting from actions taken or not taken based on consultation discussions
Outcomes varying from examples, projections, or scenarios discussed during consultations, as individual circumstances differ significantly
Impacts of external factors including economic conditions, regulatory changes, personal circumstances, or market volatility on your financial situation
Decisions made without consulting appropriate licensed professionals such as financial advisors, tax accountants, or legal counsel when such consultation is prudent

Information Accuracy

While janovaruthen consultants strive to provide accurate, current information during consultations, we cannot guarantee completeness or absolute accuracy. Financial regulations, tax laws, and economic conditions change frequently. Information provided reflects consultant understanding at consultation time and should not substitute for independent research or professional advice from licensed specialists in relevant fields.

Always verify information independently before making significant financial decisions. Results may vary based on individual circumstances and implementation.

Not Professional Financial Advice

janovaruthen consultations do not constitute professional financial advice, tax advice, legal advice, or recommendations to engage in specific financial transactions. We do not manage client funds, provide portfolio management services, or direct specific financial actions. Consultations are educational, helping you understand concepts and explore options, but all financial decisions remain entirely your responsibility.

External Links

Our website or consultation materials may reference external resources, tools, or websites for educational purposes. janovaruthen does not endorse, control, or assume responsibility for content, accuracy, or practices of third-party sites. Accessing external links is at your own risk, and you should review terms and privacy policies of any external sites visited.

No Guarantee of Results

janovaruthen makes no guarantees, promises, or warranties regarding financial outcomes resulting from implementing strategies discussed during consultations. Financial results depend on numerous factors including personal discipline, consistency of implementation, changing circumstances, economic conditions, and factors outside anyone's control. Examples or case studies shared are illustrative only and do not predict your results.

Individual Results Will Vary

Every individual's financial situation is unique, influenced by income levels, obligations, goals, risk tolerance, life circumstances, and countless other variables. Strategies effective for one person may not suit another. Information shared during consultations must be adapted to your specific circumstances, and outcomes will necessarily vary between individuals even when similar approaches are implemented.

Financial Considerations Disclaimer

Important financial considerations when using janovaruthen services:

Past performance or historical examples discussed do not guarantee future results. Economic conditions, regulations, and personal circumstances change constantly.
All financial decisions involve risk, and potential exists for both positive and negative outcomes depending on implementation and external factors.
Consultation fees, when applicable, are for consultant time and expertise, not for guaranteed outcomes or specific financial results achieved after consultations.

Jurisdictional Considerations

janovaruthen services are designed specifically for Australian residents:

Our consultations incorporate understanding of Australian financial regulations, tax considerations, and economic context. Information provided may not be suitable, accurate, or legal in other jurisdictions. If you reside outside Australia or have cross-border financial considerations, seek advice from professionals familiar with relevant jurisdictions.

This disclaimer and all janovaruthen services are governed by laws of Australia, specifically applicable state and territory regulations where services are provided.

You are responsible for ensuring your use of consultation information complies with all applicable local, state, and federal regulations relevant to your specific circumstances.

User Indemnification

By using janovaruthen services, you agree to indemnify and hold harmless janovaruthen, its consultants, employees, and affiliates from any claims, losses, damages, liabilities, or expenses arising from your use of consultation services, implementation of discussed strategies, or decisions made based on information provided during consultations.

Severability

If any provision of this disclaimer is found unenforceable or invalid by competent legal authority, that provision shall be limited or eliminated to minimum extent necessary, and remaining provisions shall remain in full force and effect. Invalidity of one section does not affect validity of remaining disclaimer content.

Modifications

janovaruthen reserves the right to modify this disclaimer at any time to reflect changes in services, legal requirements, or business practices. Modifications become effective upon posting to our website. Your continued use of services after modifications constitutes acceptance of updated disclaimer terms.

Questions About This Disclaimer

If you have questions about this disclaimer or need clarification regarding any terms, please contact us:

Email: content@janovaruthen.sbs

Phone: +61-3-7580-0101

Address: 1 Bligh Street, Level 26, Sydney, NSW 2000 Australia

Effective Date: This disclaimer became effective on October 1, 2025

Last Updated: This disclaimer was last reviewed and updated on October 1, 2025