Legal Disclaimer

Educational Purpose Only

quorinavex provides financial awareness resources and educational materials designed to help Australian residents understand basic financial concepts. Our content, courses, and learning materials are strictly educational in nature.

Not Professional Financial Advice

The information we share should not be construed as professional financial advice, investment guidance, or recommendations specific to your individual circumstances. We don't know your personal situation, your goals, or your risk tolerance. What works for one person might be completely wrong for another.

Before making any financial decisions, you should consult with qualified professionals who can review your specific situation. This includes licensed financial advisers, accountants, or legal professionals registered in Australia.

No Guarantees or Warranties

Under no circumstance shall we have any liability for any loss or damage incurred as a result of the use of our website or reliance on any information provided. Your use of our site and your reliance on any information is solely at your own risk.

Information Accuracy and Currency

Financial regulations, tax laws, and banking policies change frequently. While we work to keep our content current and accurate, we can't guarantee that everything on our site reflects the most recent changes. Australian financial regulations evolve, sometimes quite quickly.

Information was accurate at the time of publication, but things change. Always verify critical information with official sources or qualified professionals before acting on it.

• Tax rates and regulations may have changed since content was published
• Financial products and their terms are subject to provider changes
• Government policies and support programs are regularly updated
• Interest rates and economic conditions fluctuate constantly

External Links and Third-Party Content

Our website may contain links to external websites, resources, or references to third-party services. These links are provided for your convenience and additional information.

No Endorsement

We don't control the content of external websites. A link doesn't mean we endorse the site, agree with everything on it, or have verified all their information. External sites have their own terms and privacy policies which you should review.

We're not responsible for the availability, content, privacy practices, or accuracy of external sites. If you decide to access linked websites, you do so at your own risk.

Limitation of Liability

quorinavex, its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

• Your access to or use of (or inability to access or use) our website
• Any content obtained from our website
• Unauthorized access, use, or alteration of your transmissions or content
• Statements or conduct of any third party on our website
• Any actions you take based on information from our website

This applies whether the liability is based on warranty, contract, tort, or any other legal theory, even if we've been informed of the possibility of such damage.

No Employment or Income Guarantees

We occasionally discuss career paths, employment prospects, or earning potential in various fields. These discussions are general observations based on available data and should never be interpreted as guarantees.

Individual Results Vary Significantly

Your employment outcomes, career progression, and earning potential depend on countless factors we can't control or predict. Your skills, experience, location, economic conditions, industry trends, and personal circumstances all play a role.

When we share statistics or examples, these represent general trends or specific cases. They're not promises about what will happen for you. Financial awareness education can be valuable, but it's just one factor among many that influence your financial situation.

Australian Context and Jurisdiction

Our content is primarily created for an Australian audience and references Australian financial systems, regulations, and institutions. If you're accessing our site from outside Australia, the information may not be relevant or applicable to your situation.

Different countries have different financial systems, tax structures, and regulatory environments. Don't assume information about Australian superannuation applies to retirement accounts in other countries, for example.

Governing Law

This disclaimer and any disputes relating to it or our website shall be governed by and construed in accordance with the laws of Queensland, Australia. Any legal proceedings shall be subject to the exclusive jurisdiction of the courts of Queensland.

Changes to This Disclaimer

We reserve the right to modify, update, or replace this disclaimer at any time. Changes become effective immediately upon posting to our website. Your continued use of our site after changes constitutes acceptance of the revised disclaimer.

We recommend reviewing this disclaimer periodically. We'll update the effective date at the top of this page when changes are made, though we're not obligated to notify users individually of updates.

User Responsibility

You're responsible for evaluating the accuracy, completeness, and usefulness of any information, opinions, advice, or other content available through our website. You acknowledge that relying on any material on our site is at your own risk.

We encourage critical thinking. Question things, verify information through multiple sources, and recognize that financial education is about building understanding, not receiving instructions.