Legal Disclaimer
Last Updated: March 2025
Educational Purpose Only
The materials, resources, and educational content provided by xelurathomi through xelurathomi.com are intended strictly for educational purposes. Our financial goal-setting programs, courses, and learning materials are designed to provide general information about personal finance, budgeting strategies, and goal-setting techniques.
Nothing contained within our platform, including but not limited to articles, videos, worksheets, calculators, or interactive tools, should be considered as professional financial advice, investment recommendations, or guaranteed strategies for financial success.
By accessing and using our educational materials, you acknowledge that xelurathomi does not provide financial advisory services and that all content is for informational and educational purposes only.
No Professional Relationship Created
Participation in xelurathomi's learning programs does not establish a client-advisor relationship, fiduciary relationship, or professional services agreement between you and xelurathomi. We are an educational platform, not a licensed financial planning service or registered investment advisor.
What We Don't Provide
- Personalised financial advice tailored to your specific circumstances
- Investment recommendations or portfolio management services
- Tax planning, preparation, or filing assistance
- Legal guidance regarding financial matters or contracts
- Insurance advice or product recommendations
- Debt restructuring or credit repair services
For matters requiring professional expertise, we strongly recommend consulting with qualified financial advisors, certified accountants, licensed tax professionals, or legal experts who can assess your individual situation.
Accuracy of Information
While xelurathomi makes reasonable efforts to ensure that the educational content we provide is accurate, current, and helpful, we cannot guarantee the completeness, accuracy, or timeliness of all information presented on our platform.
Financial regulations, tax laws, and economic conditions change frequently. Information that was accurate at the time of publication may become outdated or may not apply to your specific circumstances or jurisdiction within Australia.
Information Provided "As Is"
All content, materials, tools, and resources are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We make no representations about the suitability, reliability, availability, or accuracy of the information for any particular purpose.
No Guaranteed Results
xelurathomi makes no promises, guarantees, or warranties regarding specific financial outcomes, results, or achievements you may experience from participating in our educational programs. Individual financial success depends on numerous factors including personal circumstances, economic conditions, individual effort, and decisions made outside our educational content.
Success stories, testimonials, or examples shared within our materials represent individual experiences and should not be interpreted as typical results that all participants will achieve.
Limitation of Liability
To the fullest extent permitted by applicable law, xelurathomi, its directors, employees, educators, partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:
- Your use or inability to use our educational platform or materials
- Financial decisions made based on information obtained from our content
- Any errors, omissions, or inaccuracies in our educational materials
- Unauthorised access to or alteration of your account information
- Technical failures, interruptions, or delays in service availability
- Loss of data, profits, or other intangible losses
This limitation applies regardless of whether we have been advised of the possibility of such damages and regardless of the legal theory upon which liability might be based.
Third-Party Content and Links
Our educational platform may contain references to third-party websites, resources, tools, or services. These references are provided for convenience and educational purposes only. xelurathomi does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites or services.
You access any third-party resources at your own risk and should review their terms and policies independently.
Australian Context
While xelurathomi operates within the Australian market and our content often references Australian financial contexts, regulations, and systems, we are not regulated by ASIC (Australian Securities and Investments Commission) as we do not provide financial product advice or financial services as defined under the Corporations Act 2001.
Our educational content should not be relied upon as a substitute for advice from appropriately licensed professionals operating under Australian financial services regulations.
Personal Responsibility
By using xelurathomi's educational platform, you acknowledge and agree that you are solely responsible for evaluating the risks and benefits associated with any information or strategies presented. You assume full responsibility for all decisions and actions taken based on your participation in our programs.
You understand that financial goal-setting and personal finance management involve personal judgment and that xelurathomi cannot and does not guarantee any specific outcomes from our educational materials.
Changes to This Disclaimer
xelurathomi reserves the right to modify, update, or change this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our platform following any changes constitutes acceptance of those changes.
We encourage you to review this disclaimer periodically to stay informed about how we're protecting both your interests and ours.