Educational Purpose Only

All content, materials, courses, and resources provided by evaronictelo are intended strictly for educational and informational purposes. Our financial discipline programs are designed to enhance your understanding of personal finance management, budgeting techniques, and financial planning concepts.

Nothing contained in our materials constitutes financial advice, investment recommendations, tax guidance, or legal counsel. The educational content we provide should not be interpreted as professional advice tailored to your specific financial situation or personal circumstances.

No Guarantees or Warranties

We make no representations, warranties, or guarantees regarding the outcomes you may achieve by applying the principles taught in our educational programs. Financial success depends on numerous factors beyond our control, including but not limited to individual circumstances, market conditions, personal discipline, and economic factors.

• We do not guarantee specific financial results, savings amounts, or debt reduction outcomes
• Individual results will vary based on personal effort, starting position, and external circumstances
• Past examples or case studies do not predict future individual outcomes
• Success stories represent exceptional cases and should not be considered typical results

Your application of the educational content is entirely at your own risk. We accept no responsibility for financial decisions you make based on our educational materials.

Information Provided "As Is"

All educational content, materials, and resources are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. While we strive to maintain accurate and current information, we make no warranties regarding:

• The accuracy, completeness, or timeliness of educational content
• The suitability of information for your particular financial situation
• Uninterrupted or error-free access to our programs and materials
• The correction of defects or the availability of specific content at all times

Financial regulations, tax laws, and economic conditions change frequently. Information that was accurate at the time of creation may become outdated. You are responsible for verifying current information with qualified professionals.

Professional Advice Limitation

evaronictelo and its instructors are not licensed financial advisors, accountants, tax professionals, or legal counsel. Our educational programs do not replace professional financial planning services, tax preparation, legal advice, or personalized investment management.

If our educational content references specific financial products, services, or strategies, these references are for educational illustration only and do not constitute endorsements or recommendations for your personal use.

Limitation of Liability

To the maximum extent permitted by Australian law, evaronictelo, its directors, employees, instructors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to use our educational materials and programs
• Financial decisions made based on information obtained from our content
• Errors, omissions, or inaccuracies in our educational materials
• Third-party content, links, or references included for educational purposes
• Technical issues, service interruptions, or data loss

This limitation applies regardless of whether we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so these limitations may not apply to you in their entirety.

Third-Party Resources and References

Our educational materials may reference or link to third-party websites, resources, tools, or services for educational purposes. We do not control, endorse, or assume responsibility for the content, policies, or practices of any third-party resources.

You acknowledge and agree that we shall not be responsible or liable for any content, products, services, or information available through third-party resources. Your use of third-party resources is at your own risk and subject to those parties' terms and conditions.

Australian Context and Jurisdiction

evaronictelo operates from Hobart, Tasmania, Australia. While our educational content is designed with Australian financial contexts in mind, general financial discipline principles may have broader application. However, specific regulations, tax laws, and financial products vary significantly by jurisdiction.

If you are located outside Australia, you are responsible for ensuring that your use of our educational materials complies with local laws and regulations in your jurisdiction. Financial concepts, strategies, and examples may not be applicable or appropriate in all locations.

Changes and Updates

We reserve the right to modify, update, or replace this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our educational materials after changes are posted constitutes acceptance of the revised disclaimer.

It is your responsibility to review this disclaimer periodically to stay informed of any updates. Material changes will be indicated by updating the "Last Updated" date at the top of this page.