Important Disclaimers

Past performance does not guarantee future results.

All investments carry risk and may result in partial or total loss of capital. Please consider your risk tolerance carefully before investing.

General Information Disclaimer

The information provided on this website is for general educational purposes only and should not be considered as personalized financial advice. We make reasonable efforts to ensure accuracy, but cannot guarantee completeness or timeliness of all content.

Market conditions change rapidly, and investment strategies that were suitable in the past may not be appropriate for current or future market environments. Always conduct your own research and consider your individual circumstances.

Financial Services Disclaimer

Before engaging with our financial planning services, please consider the following important points:

  • Investment values can go down as well as up, and you may receive back less than your original investment amount.
  • Diversification does not guarantee profit or protect against loss in declining markets.
  • Tax implications vary by individual circumstances and may change over time.
  • Consultation fees are payable regardless of whether you choose to implement recommended strategies.

Individual results may vary based on market conditions, personal circumstances, and implementation of recommendations.

Information Accuracy

While we strive to provide accurate and up-to-date information, financial markets and regulations change frequently. Information on this website may become outdated without notice.

We recommend verifying all information with current market data and consulting with qualified professionals before making investment decisions.

Currency fluctuations, interest rate changes, and economic conditions can significantly impact investment performance and should be considered in all financial planning decisions.

Limitation of Liability

To the maximum extent permitted by Australian law, Agencykorvalto limits its liability as follows:

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OUR SERVICES SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SPECIFIC SERVICE IN QUESTION.

We are not liable for indirect, consequential, or punitive damages arising from the use of our services or website.

Professional Advice Disclaimer

The content provided should not replace professional financial, legal, or tax advice. Please consider the following:

  • Always consult with qualified professionals before making significant financial decisions.
  • Our consultations are educational in nature and may not be suitable for all investors.
  • We recommend seeking independent legal and tax advice alongside our financial planning services.

External Links

This website may contain links to third-party websites for your convenience. We do not endorse or take responsibility for the content, accuracy, or practices of external sites.

Please review the terms, privacy policies, and disclaimers of any third-party websites before providing personal information or engaging their services.

Indemnification

By using our services, you agree to indemnify Agencykorvalto against any claims, damages, or expenses arising from your use of our services or violation of these terms.

Jurisdiction and Governing Law

These terms and any disputes arising from our services are governed by Australian law:

Governing Law

These terms are governed by the laws of New South Wales, Australia, and any disputes will be resolved in Australian courts.

State and Territory Variations

Some terms may vary by state or territory to comply with local Australian regulations and consumer protection laws.

Dispute Resolution

We encourage resolving disputes through direct communication first. If unsuccessful, disputes may be referred to the Australian Financial Complaints Authority (AFCA).

Severability

If any provision of these disclaimers is found unenforceable, the remaining provisions will continue in full force and effect.

Modifications to Disclaimers

We may update these disclaimers periodically to reflect changes in laws, regulations, or our services. The most current version will always be available on our website.

Continued use of our services after modifications constitutes acceptance of the updated terms.

Contact Information

If you have questions about these disclaimers or our services, please contact us:

Email: info@agencykorvalto.com

Phone: +61 2 4596 1442

Address: Level 15, 1 Macquarie Place, Sydney NSW 2000, Australia

Last Updated: July 2, 2025

Effective Date: July 2, 2025