Website and Service Disclaimer

Please note

Consultations are advisory in nature

Decisions based on recommendations remain with the user

Information and recommendations provided on cruvinalora.com are intended to support personal decision-making. They do not replace independent professional or legal advice and do not imply any future financial outcome.

General notice

All content and recommendations presented on this site are for informational purposes only. Our consultants provide insights based on available data and your expressed needs but do not manage investments or provide product-specific endorsements.

Limitation of liability

The following limits apply to all recommendations and site content.

No liability is accepted for decisions you make based on our recommendations.
We are not responsible for third-party actions or external providers.
Technical errors or omissions are not covered by any implied guarantee.
Any damages, direct or indirect, are excluded to the fullest extent permitted by law.

Accuracy of provided information

Our content is reviewed carefully, but details may change over time. Data is sourced with diligence, yet errors or outdated information may occur. We recommend confirming details before acting.

Site content may not always be up-to-date or error-free.

No substitute for professional advice

Recommendations and market reviews from our consultants are not a replacement for legal, tax, or independent professional guidance. Seek further advice if unsure.

External links

Links to other websites are provided for information. We do not endorse external sites and are not liable for their content or actions.

Regarding consultation outcomes

Results may vary from person to person. Decisions are always the responsibility of the user.

Variations and influencing factors

Recommendations are based on the information available at the time. Market conditions and personal situations can change and affect outcomes.

Finance-related disclaimers

Our advice does not cover product sales or investment management.

No guarantee is provided for future success or financial returns.
Market-related risks are inherent to all financial decisions.
APR rates, applicable fees, and repayment terms are reviewed for relevant discussions only.

Jurisdiction notice

Service subject to Australian law

These disclaimers apply within the Australian jurisdiction and any use of the site is subject to these parameters.

Australian law governs site use and consultation outcomes.

Users are responsible for compliance with local financial regulations.

Indemnification

Users agree to indemnify the site and consultants against claims linked to site use or reliance on recommendations.

Severability

If parts of this disclaimer are deemed invalid, remaining sections will still be enforceable.

Changes

We may update this disclaimer and will post changes with latest effective date.

Contact

For clarification of disclaimers or to report site issues, reach out via email or phone.

Contact email: content@cruvinalora.com

Phone: +61-2-3905-5648

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

Effective date: Effective October 20, 2025

Last updated: October 20, 2025