Service Disclaimer and Limitations
Important Notice
Please read this disclaimer carefully before using our services.
The information and consultation services provided by qirathenor are for general guidance purposes only and do not constitute professional financial advice or recommendations.
This disclaimer governs your use of qirathenor consultation services and website content. By accessing our services, you acknowledge and accept the limitations, disclaimers, and terms outlined below. If you do not agree with any part of this disclaimer, you should not use our services.
General Notice
qirathenor provides consultation services focused on zero-based budgeting methodology implementation and values alignment in financial decision-making. Our services are informational and educational in nature, designed to help you develop budgeting skills and financial awareness. We do not provide personalized financial advice, investment recommendations, tax guidance, or legal counsel. You should consult qualified professionals for specific financial, legal, or tax matters relevant to your individual circumstances.
Limitations of Liability
To the fullest extent permitted by Australian law, qirathenor disclaims liability for the following:
Information Accuracy
While we strive to provide accurate, current, and helpful information about zero-based budgeting methodology and values alignment principles, we make no representations or warranties regarding the completeness, accuracy, reliability, or suitability of information provided. Budgeting methodologies must be adapted to individual circumstances, and what works for one person may not be appropriate for another.
Information provided during consultations reflects our understanding of budgeting principles but should not be relied upon as the sole basis for financial decisions. Results may vary significantly based on individual circumstances, commitment, and external factors.
Not Professional Financial Advice
Our consultation services focus on budgeting methodology implementation and values alignment, not comprehensive financial planning or investment advice. We are not financial advisors, accountants, tax professionals, or legal counselors. You should seek advice from appropriately licensed professionals regarding investment decisions, tax strategies, legal matters, or complex financial situations beyond budgeting scope.
External Links
Our website may contain links to third-party websites or resources for your convenience. We do not endorse, control, or assume responsibility for content, privacy policies, or practices of external sites. Access to linked resources is at your own risk, and you should review applicable terms and policies.
No Guarantee of Results
We cannot guarantee specific financial outcomes from implementing zero-based budgeting methodology. Success depends on numerous factors including your personal commitment, financial circumstances, income stability, discipline in tracking expenses, and external life events beyond our control or prediction.
Individual Results Will Vary
Testimonials and success stories presented on our website reflect individual experiences and should not be considered typical results. Your experience implementing zero-based budgeting may differ significantly based on starting financial position, income level, expense complexity, personal motivation, and circumstances unique to your situation.
Financial Services Disclaimer
Regarding financial matters, please note the following important limitations:
Jurisdictional Limitations
Our services are subject to the following jurisdictional considerations:
qirathenor operates under Australian law and our services are designed primarily for Australian residents. Budgeting principles discussed may not account for tax laws, financial regulations, or circumstances specific to other jurisdictions.
These disclaimers are governed by Australian law, particularly consumer protection provisions under the Australian Consumer Law.
If you access our services from outside Australia, you are responsible for compliance with local laws and regulations in your jurisdiction.
Indemnification
You agree to indemnify and hold harmless qirathenor, its consultants, employees, and affiliates from any claims, losses, damages, liabilities, or expenses (including reasonable legal fees) arising from your use of services, implementation of budgeting methodologies, or violation of these disclaimer terms.
Severability
If any provision of this disclaimer is deemed invalid or unenforceable by a court of competent jurisdiction, such provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect without impairment.
Modifications
We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of services after modifications constitutes acceptance of the updated disclaimer. The date of last update appears below.
Questions
If you have questions about this disclaimer or need clarification regarding service limitations, please contact us using the information below:
Email Address: content@qirathenor.com
Phone Number: +61782353890
Mailing Address: Level 4, 55 Southbank Boulevard, Southbank, VIC 3006 Australia
Effective Date: This disclaimer is effective as of October 5, 2025
Last Updated: This disclaimer was last updated October 5, 2025