Legal Disclaimer

Important Notice

Please read this disclaimer carefully before using our services.

Your use of tiloravena services constitutes acceptance of all terms, limitations, and disclaimers outlined in this document. Results may vary.

This disclaimer governs your use of tiloravena website and financial guidance services. By accessing our website or engaging our services, you acknowledge and agree to the limitations, exclusions, and disclaimers described herein. If you disagree with any part of this disclaimer, discontinue use immediately.

General Notice

tiloravena provides financial guidance and consultation services focused on zero-based budgeting methodology and values-alignment planning. All information, advice, and recommendations are provided for informational purposes only and should not be construed as definitive financial directives. You retain full responsibility for all financial decisions and their consequences. We make no representations or warranties regarding outcomes from implementing our guidance.

Limitations of Liability

To the maximum extent permitted by Australian law, tiloravena and its advisors disclaim liability for damages arising from:

Use of or inability to use our website or services, including technical failures, access interruptions, or functionality limitations beyond our reasonable control.
Financial decisions made based on guidance provided during consultations, as you bear sole responsibility for implementation and outcomes of advice received.
Errors, omissions, or inaccuracies in website content or consultation advice, despite reasonable efforts to maintain accuracy and provide sound guidance.
Third-party actions, including service providers, payment processors, or other entities involved in delivering services to you through partnerships or integrations.

Accuracy of Information

While we strive to provide accurate, current, and reliable information through our website and consultations, we make no guarantees regarding completeness or accuracy. Financial information, regulatory requirements, and best practices evolve continuously. Information may become outdated between updates.

You should verify critical information independently and consult multiple sources before making significant financial decisions.

Not Substitute for Professional Advice

tiloravena provides general financial guidance focused on budgeting methodology and values alignment. Our services do not constitute legal, tax, accounting, or professional investment advice. For matters requiring specialized expertise, consult qualified professionals licensed in relevant disciplines. We are not responsible for consequences of using our guidance as substitute for professional advice.

External Links

Our website may contain links to third-party websites or resources for your convenience. We do not control, endorse, or assume responsibility for content, accuracy, policies, or practices of external sites. Accessing third-party links is at your own risk. Review their terms and policies before engaging with external resources.

No Guaranteed Results

We cannot guarantee specific financial outcomes from implementing our guidance. Results depend on numerous factors including individual circumstances, commitment to recommendations, consistency of application, external economic conditions, and variables beyond our control or prediction. Past performance doesn't guarantee future results.

Individual Variation

Every client's situation is unique. Financial outcomes vary significantly based on starting position, income level, spending patterns, discipline, external circumstances, and other factors. Testimonials and case examples represent individual experiences and should not be interpreted as typical results. Your experience may differ substantially.

Financial Services Disclaimer

Important clarifications regarding the nature of our services and their limitations:

tiloravena provides consultation and guidance services, not financial product recommendations, securities advice, or investment management. We do not recommend specific financial products or manage client assets.
We are not licensed to provide financial product advice under Australian Securities and Investments Commission regulations. Our guidance focuses on budgeting methodology and spending alignment with values.
Nothing in our services should be construed as offer to sell or solicitation to buy any security, investment, or financial product. Consult licensed financial advisors for investment decisions.

Jurisdictional Limitations

Our services are subject to jurisdictional limitations and regulatory frameworks:

tiloravena operates primarily in Australia and our services are designed for Australian residents. Content and guidance reflect Australian context, regulations, and financial systems. Applicability to other jurisdictions may vary significantly.

These disclaimers and limitations are governed by Australian law. Where local law conflicts with these terms, local law prevails to the extent required.

You are responsible for ensuring your use of our services complies with applicable local laws and regulations in your jurisdiction.

Indemnification

You agree to indemnify and hold harmless tiloravena, its advisors, employees, and affiliates from any claims, damages, losses, liabilities, costs, and expenses arising from your use of services, implementation of guidance, violation of terms, or infringement of third-party rights.

Severability

If any provision of this disclaimer is found invalid, illegal, or unenforceable by a court of competent jurisdiction, such finding does not affect remaining provisions, which continue in full force and effect. Invalid provisions will be modified minimally to achieve enforceability while preserving intent.

Modifications

We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use after modifications constitutes acceptance of updated terms. Regularly review this disclaimer to remain informed of any changes.

Questions

If you have questions about this disclaimer or need clarification regarding limitations of our services, please contact us using the information provided on our website.

Email Address: content@tiloravena.com

Phone Number: +61700845658

Office Address: 95 Pitt Street, Australia Square Plaza Building, Sydney, NSW 2000 Australia

Effective Date: This disclaimer is effective as of October 8, 2025.

Last Updated: This disclaimer was last updated on October 8, 2025.