Educational Purpose and General Information

All content, courses, materials, and information provided through phelorianthux's financial planning fundamentals platform at phelorianthux.com are intended strictly for educational and informational purposes only. The materials presented do not constitute professional financial advice, investment recommendations, or personalized financial planning services.

While we strive to provide accurate and up-to-date information as of 2025, the financial landscape changes rapidly. phelorianthux makes no representations or warranties regarding the completeness, accuracy, or reliability of any information presented. Users should not rely solely on our educational materials when making financial decisions.

Limitation of Professional Advice

phelorianthux and its educational platform do not provide personalized financial advice, tax preparation services, legal counsel, or investment management. Our materials are designed to enhance financial literacy and understanding of fundamental concepts, not to replace qualified professional guidance.

Before making any financial decisions, users should consult with appropriately licensed professionals including:

• Certified Financial Planners (CFP) for comprehensive financial planning
• Licensed tax professionals for tax-related matters
• Registered investment advisors for investment guidance
• Estate planning attorneys for legal matters
• Insurance professionals for risk management strategies

phelorianthux explicitly disclaims any responsibility for financial decisions made based solely on educational content without proper professional consultation.

No Guarantee of Financial Results

phelorianthux makes no guarantees, promises, or warranties regarding financial outcomes, investment returns, or economic benefits that may result from using our educational materials. Financial planning and investment success depends on numerous individual factors including but not limited to personal circumstances, risk tolerance, market conditions, and implementation of strategies.

Past performance examples, case studies, or hypothetical scenarios presented in our materials do not guarantee future results. All investments carry inherent risks, and users may experience financial losses. The value of investments and savings can decrease as well as increase.

phelorianthux explicitly disclaims liability for any financial losses, missed opportunities, or adverse outcomes resulting from decisions made after consuming our educational content.

Information Accuracy and "As Is" Provision

All information on the phelorianthux platform is provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

While phelorianthux endeavors to maintain accurate information, we do not warrant that:

• Course content will meet individual learning objectives or career goals
• Platform functionality will be uninterrupted or error-free
• Information will be current, complete, or free from technical inaccuracies
• Materials will be suitable for specific personal financial situations
• External links or references will remain active or accurate

Users acknowledge they are accessing educational materials at their own risk and discretion. phelorianthux reserves the right to modify, update, or discontinue content without prior notice.

Comprehensive Liability Limitations

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

• Use or inability to use educational materials or platform services
• Financial decisions made based on information from our platform
• Errors, omissions, or inaccuracies in course content or materials
• Unauthorized access to or alteration of user data or transmissions
• Statements or conduct of third parties referenced in educational content
• Platform downtime, technical failures, or data loss incidents

This limitation applies regardless of the legal theory upon which claims are based, whether in contract, tort, negligence, strict liability, or otherwise, even if phelorianthux has been advised of the possibility of such damages.

Maximum liability cap: In no event shall phelorianthux's total liability exceed the amount paid by the user for accessing specific educational materials that gave rise to the claim, limited to payments made within the twelve months preceding the incident.

Regulatory Compliance and Jurisdictional Matters

phelorianthux operates under Australian business regulations and compliance standards. Our educational materials are designed primarily for Australian financial contexts, including references to local regulations, tax structures, and financial institutions current as of 2025.

Users accessing materials from other jurisdictions acknowledge that content may not be applicable to their local laws, regulations, or financial systems. phelorianthux makes no representations regarding compliance with financial regulations outside Australia.

This disclaimer and all matters relating to phelorianthux's educational platform shall be governed by the laws of New South Wales, Australia. Any disputes shall be subject to the exclusive jurisdiction of courts in New South Wales, unless otherwise required by applicable consumer protection laws.