Important information and disclaimer

Please read

Information is general and may not apply to your situation.

Consult trusted professional advisors before acting on any insights or recommendations.

This site offers guidance on negotiation, budgets, and financial communications. Content is intended for information and discussion and does not constitute personal advice, a guarantee of outcomes, or offer regulated financial products.

General notice

Communications and insights on this website represent broad perspectives and are not intended to replace tailored legal, tax, financial, or professional advice. Always consider your unique context before acting on recommendations. No outcomes are promised or can be assured.

Limits of liability

Our liability is limited only to the extent permitted by law.

No liability for reliance on general information.
Not responsible for third-party actions or external sites.
No liability for missed opportunities following recommendations.
Liability does not extend beyond statutory requirements.

Accuracy and changes

We strive for accuracy and current content, but information may change or become outdated. We recommend cross-checking with trusted sources or professional contacts before making significant decisions.

Results may vary; always assess your own context.

No substitute for advice

None of our guidance replaces legal, accounting, or professional financial advice. Engage relevant experts as appropriate for your needs.

External resources

Links to third-party sites are offered for reference. We do not control their content or practice or endorse their products or services.

On results and performance

Outcomes from negotiations or recommendations depend on many factors. There is no promise of similar, specific, or positive results in every case.

Individual differences

Each organisation or person’s negotiation circumstances are unique. Recommendations are not one-size-fits-all and results will differ.

Financial information notice

No regulated financial services, offers, or products are provided.

No investment, asset, or product-specific guidance is given.
No representation of future performance or price development.
This service is not a licensed provider of regulated financial products.

Australian law applies

This site is operated in compliance with Australian law.

All insights and recommendations are made in accordance with local regulations and are not tailored to international requirements.

Laws of New South Wales and Australia apply.

Users outside Australia are responsible for compliance with their own legal or regulatory frameworks.

Indemnification

By using this site, you agree to indemnify Aferazivoloris for any loss, cost, or claim arising from your use or misuse of the material provided.

Severability

If any disclaimer component is found unenforceable, the remainder stays in effect.

Modifications

We may update this disclaimer; continued use means you accept changes.

Contact us

Please reach out if you have questions about the information or intent of this disclaimer.

Email address: content@aferazivoloris.sbs

Phone: +61 3 9917 3976

Office address: 570 Bourke Street, Level 17 & 24, Melbourne, VIC 3000 Australia

Effective date: 29 December 2025

Last updated: 29 December 2025