General Service Disclaimer

Important Notice:

This site provides general recommendations only.

Seek independent guidance for specific financial decisions.

All consultations and materials displayed here are intended for information and guidance purposes. None of the content should be viewed as a substitute for advice tailored by a licensed professional familiar with your personal situation.

General Information Only

The advice and recommendations presented on this site are of a general nature. They do not factor in your personal financial circumstances. You should consult a qualified professional before making major decisions. Use of our services is at your own discretion and risk.

Limitations Of Liability

Please note the following regarding our limitations of liability:

  • We are not responsible for losses resulting from decisions based on our recommendations.
  • We do not endorse or guarantee any third-party products or services mentioned on this site.
  • All information is provided without warranties as to accuracy or completeness.
  • Except as required by law, our liability is strictly limited.

Accuracy And Updates

We strive to keep the information on this website accurate and current. However, we cannot guarantee completeness or ongoing accuracy given the nature of financial markets and external influences.

Always verify and seek current advice before acting.

Not Personalised Professional Advice

Information on this website does not replace advice from a licensed financial or legal professional who understands your individual context.

External Websites

Our website may include references or links to third-party sites. We are not responsible for their content, accuracy, or privacy practices and do not endorse third-party resources.

Results Disclaimer

No specific performance or outcomes can be guaranteed from using our services. Results may vary for each individual and situation.

Variability Of Outcomes Notice

Outcomes depend on many unpredictable market and personal factors and may differ from case to case.

Financial Disclosures And Risks

Engaging with financial recommendations involves inherent uncertainty.

  • We do not offer, recommend, or sell any specific investment products.
  • No assurance is made as to suitability or future results of any recommendations discussed.
  • Fees and terms, including typical APRs and service costs, are always disclosed during consultations.

Applicable Jurisdiction

Legal coverage and rules may depend on your location.

Our guidance and disclaimers are made in accordance with Australian law. Users from other regions must ensure the service application conforms with their local regulations.

Australian law applies to all material and interactions on this website.

Check with your local authority if you have questions about service appropriateness outside Australia.

Indemnification

By using this website, you agree to indemnify us against claims related to your use except as otherwise required by law.

Severability

If any clause in this disclaimer is found invalid, other provisions will remain in effect and enforceable.

Modifications

We reserve the right to change or amend any part of this disclaimer. Updates will be clearly marked on this page.

Contact

Questions about this disclaimer? Please get in touch with our team below.

Email: content@torvalentiq.com

Phone: +61 2 2234 5887

Address: 113 Exhibition St, Melbourne, VIC 3000 Australia

Effective Date: November 12, 2025

Last Updated: November 12, 2025