Legal Disclaimer and Notices

This disclaimer explains important limitations regarding consultation services provided by calyviros.com. Our practice focuses on zero-based budgeting methodologies and values alignment frameworks through personalized consultations. We do not provide investment advice, financial product recommendations, or professional accounting services.

General Notice

Content on this website and information provided during consultation sessions represents educational frameworks, personal perspectives, and general guidance only. Nothing on this website or in consultations constitutes professional financial advice, investment recommendations, accounting services, legal counsel, or tax planning. Individual circumstances vary significantly, and personalized professional advice should be sought for specific financial situations requiring expert analysis.

Liability Limitations and Exclusions

To the maximum extent permitted under Australian law, calyviros.com disclaims liability for the following circumstances and outcomes:

• Financial losses, missed opportunities, or negative outcomes resulting from implementation or non-implementation of frameworks, methodologies, or suggestions discussed during consultation sessions.
• Errors, omissions, or inaccuracies in website content, consultation materials, or verbal communications provided during sessions, despite reasonable efforts to ensure accuracy and completeness.
• Technical issues, service interruptions, data loss, or security breaches affecting website functionality, appointment scheduling systems, or communication channels beyond our reasonable control.
• Damages arising from reliance on information without seeking appropriate professional advice from qualified accountants, financial advisors, tax professionals, or legal counsel for specific situations.

Information Accuracy Disclaimer

We make reasonable efforts to ensure website content and consultation information remains current, accurate, and useful. However, financial regulations, tax laws, and best practices evolve constantly. Information may become outdated or require updates. We do not warrant completeness, accuracy, or applicability of information to your specific circumstances. Verification through independent research and professional consultation is strongly recommended before making significant financial decisions based on our frameworks.

Professional Advice Recommendation

Consultation services complement but do not replace professional financial advice, accounting services, legal counsel, or tax planning from qualified experts. We strongly recommend consulting licensed professionals for investment decisions, tax strategies, legal matters, and complex financial situations requiring specialized expertise beyond budgeting frameworks and values alignment methodologies.

External Links Disclaimer

Our website may contain links to external websites, resources, or references for informational purposes. We do not control, endorse, or assume responsibility for content, accuracy, privacy practices, or availability of external sites. Accessing external links occurs at your own risk and subject to those sites' terms and conditions.

No Guarantee of Specific Results

We make no guarantees, warranties, or promises regarding specific financial outcomes, expense reduction amounts, savings levels, or timelines for achieving personal objectives through implementing zero-based budgeting frameworks. Financial results depend on numerous factors including individual circumstances, commitment consistency, external economic conditions, and personal financial behavior patterns.

Financial Services Exclusion Notice

Important clarifications regarding services we do not provide and activities outside our consultation scope:

• We do not sell, recommend, or endorse specific financial products, investment vehicles, insurance policies, or commercial services offered by third-party providers.
• We do not provide investment advice, securities recommendations, portfolio management services, or guidance regarding specific investment decisions or asset allocation strategies.
• We do not offer tax preparation, accounting services, legal advice, or estate planning services requiring professional credentials or specialized licenses in those fields.

Jurisdictional Limitations and Compliance

Important information regarding legal compliance and service availability across different jurisdictions:

Client Indemnification

By using this website and engaging consultation services, you agree to indemnify, defend, and hold harmless calyviros.com, its consultants, employees, and affiliates from any claims, liabilities, damages, losses, or expenses arising from your use of services, implementation of frameworks, violation of terms, or infringement of third-party rights.

Severability Clause

If any provision of this disclaimer is found invalid, illegal, or unenforceable by a competent court, that provision shall be modified minimally to achieve validity or severed entirely if modification proves impossible. All remaining provisions shall continue with full legal effect unaffected by the invalid provision.

Disclaimer Modifications

We reserve the right to modify this disclaimer at any time without prior notice to reflect legal changes, service updates, or evolving business practices. Material changes will be communicated through website notices or direct client communication. Continued service use after modifications constitutes acceptance of updated disclaimer terms.

Questions

If you have questions or concerns regarding this disclaimer or need clarification about any provision, please contact us using the information below: