Important Financial Disclaimer

Read Before Proceeding

Consultation services do not guarantee financial outcomes.

Individual results depend on personal implementation, discipline, circumstances, and factors beyond our control. Past performance of budgeting methodologies does not predict future results.

This disclaimer governs use of phyralivento Financial consultation services and website. By accessing this site or engaging services, you acknowledge understanding and acceptance of these limitations and disclaimers.

General Notice

phyralivento Financial provides consultation services focused on zero-based budgeting methodologies, expense analysis, and values alignment. Services consist of discussions, analytical perspectives, guidance, and implementation support. We do not provide financial planning requiring professional licensing, legal advice, tax preparation, accounting services, or other regulated professional services. Consultations represent educational guidance and analytical perspectives rather than directives.

Limitation of Liability

To the maximum extent permitted under Australian law, we disclaim liability for various categories of potential damages or losses.

We are not liable for financial losses resulting from implementation or non-implementation of consultation guidance, budgeting decisions you make, or financial outcomes achieved or not achieved.
We do not guarantee that consultation services will meet your specific requirements, achieve particular results, or prove suitable for your circumstances.
We are not responsible for decisions you make based on consultation discussions, materials provided, or your interpretation of guidance received during sessions.
We disclaim liability for technical issues affecting website access, communication interruptions, data transmission errors, or similar technical problems beyond our reasonable control.

Information Accuracy

While we strive to provide accurate information during consultations and on our website, we make no representations or warranties regarding completeness, accuracy, reliability, or suitability of any content. Information may contain errors, omissions, or outdated content. You should verify information independently and not rely solely on consultation discussions.

Material is provided for general guidance purposes and should not substitute for professional advice.

Not Professional Advice

Consultation services do not constitute and should not be interpreted as financial planning advice requiring licensing, legal counsel, tax advice, accounting services, or other professional services regulated under Australian law. You should consult appropriately licensed professionals for services requiring such expertise.

External Resources

Our website may contain links to external resources for reference purposes. We do not endorse, control, or assume responsibility for content, accuracy, or practices of linked sites. External links are provided for convenience only.

No Results Guarantees

We explicitly disclaim any guarantees regarding financial outcomes, specific results, expense reduction amounts, time savings, or other quantifiable benefits from implementing zero-based budgeting or following consultation guidance. Results may vary significantly based on numerous individual factors.

Individual Results Variation

Financial outcomes depend on personal implementation quality, consistency of application, individual discipline, life circumstances, income levels, expense complexity, prior experience, and many other factors beyond consultation scope. What works for one client may not work similarly for another.

Financial Services Disclaimer

Our services operate under specific limitations regarding financial service provision under Australian regulations.

We do not provide advice regarding specific financial products, securities, funds, or instruments requiring Australian Financial Services licensing.
Consultations do not address matters requiring professional certification such as comprehensive financial planning, legal structuring, tax optimization, or similar specialized services.
Past performance of budgeting methodologies for other clients does not indicate or predict future results for your specific circumstances or implementation.

Jurisdictional Considerations

Services are provided from Australia and subject to Australian law, with certain jurisdictional limitations.

While we welcome inquiries from various locations, services are designed primarily for Australian residents and may not address specific legal, tax, or regulatory requirements applicable in other jurisdictions.

Australian Consumer Law provides certain protections that cannot be excluded, and nothing in this disclaimer limits those statutory rights.

Clients outside Australia should verify whether consultation approaches align with local regulations and requirements.

Indemnification

You agree to indemnify and hold harmless phyralivento Financial from any claims, losses, damages, or expenses arising from your use of services, implementation of guidance, financial decisions made, or any violation of these disclaimer terms.

Severability

If any provision of this disclaimer is found invalid or unenforceable under applicable law, such invalidity shall not affect remaining provisions, which continue in full effect to the maximum extent possible.

Modifications

We reserve the right to modify this disclaimer at any time to reflect service changes, legal requirements, or operational updates. Material changes will be communicated through website notification. Continued use constitutes acceptance of modifications.

Disclaimer Questions

For questions or clarifications regarding this disclaimer or the limitations of our services, please contact us through the following channels.

Email Address: content@phyralivento.com

Phone Number: +61 3 2476 4385

Mailing Address: Tower 2, 201 Sussex Street, Sydney, NSW 2000 Australia

Effective Date: This disclaimer became effective on September 23, 2025.

Last Updated: Disclaimer was last revised on September 23, 2025.