General service disclaimer

Important notice

Our service provides ongoing financial planning consultations and analytical reviews.

No guarantees of specific outcomes are provided. Results may vary depending on individual circumstances.

This website and our subscription service offer planning consultations, regular reviews, and reporting for a fixed monthly fee. All advice and support are provided in accordance with Australian regulations. We do not offer or endorse investment products, training, or educational programs. Please read the following sections carefully for important information about our service limitations and your responsibilities.

General notice

All information presented on this website is for informational purposes only and does not constitute legal, financial, or investment advice. We provide analytical reviews and personal consultations but do not guarantee any particular result or improvement. Clients should consult with their own qualified advisors before making significant financial decisions.

Limitations of liability

Our service is provided with reasonable care and skill, but certain limitations apply as outlined below.

We are not liable for outcomes resulting from decisions made based on our consultations or reports.

No responsibility is assumed for any indirect, incidental, or consequential damages.

We are not responsible for content or services of third-party sites referenced herein.

Service availability may be affected by factors beyond our control.

Information accuracy disclaimer

While we strive to ensure the accuracy of all information and reports, we cannot guarantee completeness or timeliness at all times. Clients should verify key details independently before making decisions.

Information may change without notice; updates will be communicated as appropriate.

Professional advice notice

Our service is not a substitute for independent legal, accounting, or tax advice. Please consult relevant professionals for matters outside our expertise.

Third-party links

Links provided on our site are for convenience only. We do not endorse or assume responsibility for external content, policies, or services.

Disclaimer regarding results

No guarantee is made as to specific financial outcomes. Individual results will vary based on personal circumstances, market conditions, and other factors.

Variation in results

Client experiences and outcomes will differ. Past performance, if referenced, does not guarantee future results.

Financial service disclaimer

We do not provide investment advice, product recommendations, or educational content.

No advice on buying, holding, or selling financial products is provided.

We do not conduct portfolio management or investment strategy services.

Service is strictly limited to analytical review and personal consultation.

Jurisdiction

Our service is governed by Australian law and regulations.

Any legal disputes or matters arising in connection with this service are subject to the jurisdiction of Australian courts and authorities. Clients outside Australia should ensure compliance with their own local regulations.

Australian law applies to all service terms and website usage.

Clients are responsible for compliance with relevant local laws and regulations.

Indemnification

Clients agree to indemnify us against claims or liabilities resulting from misuse or unauthorised use of the service.

Severability

If any provision is found invalid, the remaining terms will continue in effect.

Modifications

We may update terms at any time. Material changes will be communicated through our website.

Contact

For questions about this disclaimer, please use the contact details below.

Email address: content@jivamoriqos.com

Phone number: +61.3.3756.9057

Office address: Level 21, 345 Queen Street, Brisbane, QLD 4000 Australia

Effective date: September 19, 2025

Last updated: September 19, 2025