Legal Disclaimer and Important Notices

Important Advisory Notice

Read this disclaimer carefully before using services.

This disclaimer contains important limitations regarding financial planning consultations and website content provided by carivante.

This disclaimer explains limitations and conditions applicable to consultation services and information provided through the carivante website. By using our services, you acknowledge and accept these limitations.

General Disclaimer

Information and advice provided through carivante consultations are for general informational purposes and should not be considered as the sole basis for financial decisions. While we strive to provide accurate and current information, we make no representations or warranties regarding completeness, accuracy, reliability, suitability, or availability of services or information provided.

Limitations of Liability

Several important limitations apply to our liability in connection with services and information provided.

carivante shall not be liable for any loss or damage including indirect or consequential loss arising from use of our services or reliance on information provided during consultations.
We do not accept liability for decisions made based on consultation discussions or website content without independent verification or professional advice from qualified specialists.
To the extent permitted by Australian law, all implied warranties and conditions are excluded from our service provision and information dissemination.
We are not liable for disruptions, errors, or omissions in services caused by factors beyond our reasonable control including technical failures or external events.

Information Accuracy

We make reasonable efforts to ensure information provided during consultations and on our website is accurate and current. However, financial landscapes, regulations, and market conditions change frequently. Information may become outdated between consultation dates or website updates. Clients should verify critical information through independent sources before making significant decisions.

Past performance does not guarantee future results in any financial context.

Not Substitute Professional Advice

carivante consultations provide general financial planning guidance and should not replace advice from licensed professionals including accountants, tax advisors, lawyers, or specialist financial advisors. Complex situations may require expert input beyond our consultation scope.

External Links

Our website may contain links to external websites not controlled by carivante. We do not endorse or assume responsibility for content, privacy policies, or practices of third-party sites. Users access external links at their own risk.

No Guarantee Results

Financial planning consultations involve analysis of individual circumstances and development of personalised strategies. However, we cannot guarantee specific outcomes, returns, or results from implementing recommendations. Results may vary significantly based on implementation quality, timing, external factors, and changing circumstances.

Individual Results Vary

Each client situation is unique with different starting points, goals, risk tolerance, time horizons, and external factors. Strategies effective for one individual may produce different results for another. Success depends on numerous variables many of which are beyond our control or prediction.

Financial Services Disclaimer

Important limitations apply specifically to financial planning aspects of our consultation services.

carivante provides general financial planning consultations and analytical reviews. We do not provide specific product recommendations, manage client funds, or execute transactions on behalf of clients.
Discussions about market dynamics, resource allocation approaches, or analytical frameworks are educational in nature and should not be interpreted as specific recommendations to implement particular strategies.
Clients remain responsible for all financial decisions made following consultations. We recommend consulting licensed financial advisors before implementing strategies with significant financial implications or complexity.

Jurisdictional Limitations

Our services are subject to jurisdictional limitations based on location and applicable regulations.

carivante services are designed for residents of Australia and focus on Australian financial planning contexts. Information provided may not be suitable or legally applicable for individuals in other jurisdictions with different regulations, tax treatments, or financial systems.

Services and this disclaimer are governed by laws of Australia.

Clients outside Australia should consult local financial advisors familiar with applicable regulations.

Indemnification

By using carivante services, you agree to indemnify and hold harmless carivante, its directors, employees, and consultants from claims, damages, or expenses arising from your use of services, decisions made following consultations, or misrepresentation of information provided during consultations.

Severability

If any provision of this disclaimer is found invalid or unenforceable under applicable law, that provision shall be deemed modified to the minimum extent necessary to make it valid, or if modification is not possible, severed from this disclaimer without affecting validity of remaining provisions.

Modifications

carivante reserves the right to modify this disclaimer at any time. Changes become effective upon posting to our website. Continued use of services after modifications indicates acceptance of updated disclaimer terms.

Questions

Questions about this disclaimer or limitations on our services should be directed to our support team.

Email Address: content@carivante.sbs

Phone Number: +61.7.5098.8248

Mailing Address: 365 Little Collins St, Melbourne, VIC 3000 Australia

Disclaimer Effective Date: September 9, 2025

Last Updated: September 9, 2025