Disclaimer—Important Information

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Information here is advisory only.

Results may vary depending on individual situations and choices.

The material on this site provides general consultative advice and insights, not personalised investment, legal, or medical guidance. Use your discretion and consult licensed professionals before acting.

General Notice

We aim to provide useful, honest information to support Australians considering values-based budgeting. All content is reviewed for accuracy, but we cannot ensure every detail is up to date or applicable to your specific situation. This information supports, but does not replace, independent professional advice. Always verify suitability for your needs.

Limitations of Liability

Your use of content here is subject to these limitations.

We are not responsible for how you act on information found here.
No financial, investment, or legal responsibility is accepted for third-party content linked from this site.
We are not liable for lost data or technical issues when using the website.
Results and outcomes will differ for each individual; nothing is guaranteed.

Site Accuracy Limitations

All efforts are taken to maintain accurate, current information, but errors or outdated details may arise. Before relying on information, check its suitability for your life and consult a relevant professional.

No warranty is made for total accuracy or completeness.

Professional Advice Notice

Nothing on this site is a substitute for a licensed professional’s advice. Seek appropriate guidance on legal, healthcare, or other regulated matters.

External Links

Links to external sites are provided for convenience only. We do not control their content or take responsibility for their accuracy, privacy, or services.

Results Vary Depending on Circumstance

There is no guarantee you will achieve any particular result. Changes depend on your actions, context, and decisions made.

Variability of Outcomes Statement

User experiences and financial outcomes differ due to personal, economic, and behavioural factors.

Financial Advisory Disclosure

All financial insights follow Australian law and regulations; they are not individual product or licensed advice.

No regulated financial products or investments are offered or sold here.
Discussions focus on values-guided budgeting only.
Fees and terms are outlined before any consultation as per legal requirements.

Australian Law Reference

Australian law governs all services and content on this site.

Any disputes are handled consistent with relevant jurisdiction and consumer regulations.

Australian consumer laws and privacy standards apply to every user.

You are responsible for compliance with local or national laws.

Indemnification

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Severability

If a disclaimer section is held invalid under law, the remainder remains in force.

Modifications

Updates are posted to this disclaimer without notice. Users should review changes regularly to stay informed.

Contact

Questions or concerns about this disclaimer? Contact us for clarification.

Email address: content@tivonaros.com

Phone: +61314884145

Office location: Tower 2, 201 Sussex Street, Sydney, NSW 2000 Australia

Effective date: October 9, 2025

Last updated: October 9, 2025