Legal Disclaimer and Terms of Use

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as professional financial advice. All content is provided in good faith, however we make no representation or warranty of any kind regarding accuracy, adequacy, validity, reliability or completeness of any information on this site.

Last Updated: August 6, 2025

Website: toravianexlu.com

Information Accuracy and Currency

While we strive to keep the information on this website current and accurate, we cannot guarantee that all information is completely up-to-date or error-free. Information may be changed or updated without notice.

Market conditions and regulatory requirements change frequently, and information that was accurate at the time of publication may become outdated.

We provide no guarantees regarding the accuracy, currency, or completeness of any information presented and assume no responsibility for any reliance placed on such information.

Limitation of Liability

To the fullest extent permitted by Australian law, Toravianexlu and its directors, employees, agents, and affiliates exclude all liability for any loss or damage arising from your use of this website, including but not limited to:

• Any direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from viruses, system failures, or technical issues
• Any claims arising from third-party content or external links

Where liability cannot be excluded by law, our maximum liability is limited to the amount paid by you for our services in the 12 months preceding the claim.

Professional Advice Disclaimer

The content on this website does not constitute professional financial, legal, tax, or investment advice and should not be relied upon as such. We strongly recommend consulting with qualified professionals before making any financial decisions.

No professional advisor-client relationship is created by accessing or using this website or its content.

Always seek independent professional advice that considers your specific circumstances, objectives, and financial situation.

External Links and Third-Party Content

This website may contain links to external websites and third-party content for your convenience and information. We have no control over the content, privacy policies, or practices of these external sites.

The inclusion of any link does not imply endorsement, approval, or recommendation of the linked site or its content by Toravianexlu.

We accept no responsibility for the accuracy, legality, or content of external sites or for any loss or damage arising from their use.

Financial Services Disclaimer

Our financial planning services are subject to the following important considerations and warnings:

Individual results may vary based on personal circumstances, market conditions, and implementation of recommendations

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of Toravianexlu or its content suppliers and is protected by Australian and international copyright laws.

You may view and print pages from this website for personal, non-commercial use only, provided you retain all copyright and proprietary notices.

Toravianexlu and associated logos are trademarks of Toravianexlu Financial Planning Services and may not be used without express written permission.

Indemnification

You agree to indemnify and hold harmless Toravianexlu, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of this website or violation of these terms.

Jurisdiction and Governing Law

The following legal framework applies to your use of this website and our services:

We encourage resolution of disputes through direct communication before pursuing formal legal action.

Severability

If any provision of this disclaimer is found to be unenforceable or invalid under applicable law, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Modifications to This Disclaimer

We reserve the right to modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting to this website.

Your continued use of this website after any changes constitutes acceptance of the updated disclaimer.

Contact Information for Legal Matters

If you have questions about this disclaimer or need to report legal concerns, please contact us using the following information:

Acceptance of Terms

By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by this disclaimer and all applicable laws and regulations.

If you do not agree with any part of this disclaimer, you must immediately cease using this website and our services.