Educational Purpose Only

All materials, courses, guides, and resources provided by vylosaraen (vylosaraen.com) are intended solely for educational purposes. Our financial habits education program is designed to provide general information and learning opportunities to help individuals understand personal finance concepts and develop better financial practices.

The content presented should not be construed as professional financial advice, investment recommendations, or personalised financial planning guidance. We strongly recommend consulting with qualified financial advisors, accountants, or other licensed professionals before making any significant financial decisions.

No Guarantee of Results

vylosaraen makes no representations or warranties regarding the outcomes that may result from participating in our educational programs or implementing the strategies discussed in our materials. Financial success depends on numerous factors including individual circumstances, market conditions, personal discipline, and external economic factors beyond our control.

• Individual results may vary significantly based on personal circumstances
• Past performance examples do not guarantee future results
• No income, savings, or debt reduction amounts are promised or implied
• Success requires personal commitment and consistent application of principles

Information Accuracy and "As Is" Provision

While we strive to provide accurate and up-to-date information, vylosaraen makes no warranties about the completeness, accuracy, or reliability of any content provided. Financial regulations, tax laws, and market conditions change frequently, and information that was accurate at the time of publication may become outdated.

All educational materials are provided "as is" without warranty of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by applicable law, vylosaraen, its directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our educational materials or participation in our programs.

This includes, but is not limited to, damages for loss of profits, savings, investments, business opportunities, or any other financial losses, even if vylosaraen has been advised of the possibility of such damages. Your sole remedy for dissatisfaction with our services is to discontinue use of our educational materials.

Professional Advice Limitations

vylosaraen is not a licensed financial institution, investment advisor, tax advisor, legal firm, or accounting practice. We do not hold ourselves out as providing professional financial, legal, tax, or investment advice. Our role is strictly educational, providing general information about financial habits and money management concepts.

• We do not assess individual financial situations or provide personalised recommendations
• Our content should not replace consultation with qualified professionals
• Tax implications and legal considerations vary by jurisdiction and individual circumstances
• Investment risks and suitability assessments require professional evaluation

Third-Party Content and External Links

Our educational materials may contain references to third-party websites, resources, or content for additional learning opportunities. vylosaraen does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites or services.

Any reliance you place on information from third-party sources is strictly at your own risk. We encourage you to review the terms and privacy policies of any external sites you visit through our recommendations.

Regulatory Compliance

vylosaraen operates as an educational service provider in Australia and complies with applicable Australian consumer protection laws. However, financial regulations vary by jurisdiction, and participants from other countries should ensure their use of our educational materials complies with their local laws and regulations.

If you are subject to specific financial services regulations or professional standards, please consult with appropriate regulatory bodies or legal advisors to ensure compliance with your obligations.

Changes to This Disclaimer

vylosaraen reserves the right to modify this disclaimer at any time without prior notice. Changes will be posted on this page with an updated revision date. Your continued use of our services after any modifications constitutes acceptance of the updated terms.

We recommend reviewing this disclaimer periodically to stay informed of any changes that may affect your use of our educational materials and programs.