Legal Disclaimer and Notices
Important Legal Notice
Please read this disclaimer carefully before proceeding.
Use of this website and our consultation services indicates your acceptance of these terms and limitations on liability.
This disclaimer governs your use of raquelothis.sbs and the consultation services we provide. The information presented on this website is for general informational purposes and does not constitute formal financial advice, recommendations, or guarantees of specific outcomes. Results may vary based on individual circumstances.
General Information Notice
The content on raquelothis.sbs provides general information about financial planning concepts and our consultation services. This information should not be construed as personalized financial advice, legal counsel, tax guidance, or specific recommendations for your situation. Financial decisions involve complex considerations unique to each individual's circumstances, objectives, risk tolerance, and regulatory environment. Past performance of any strategy does not guarantee future results.
Limitations on Liability
raquelothis and its advisors shall not be liable for certain outcomes related to your use of our website or consultation services:
Information Accuracy Limitations
While we strive to maintain accurate and current information on raquelothis.sbs, we make no warranties or representations regarding the completeness, accuracy, reliability, or timeliness of content presented. Financial regulations, tax laws, and market conditions change frequently. Information that was accurate at publication may become outdated. We reserve the right to modify website content without notice.
Users should verify information independently and consult current regulations before making financial decisions based on website content.
Professional Advice Requirement
Information on this website does not replace personalized professional advice. Before implementing any financial strategy, consult with qualified professionals who can assess your specific situation, including financial advisors, tax accountants, and legal counsel as appropriate. Our consultations provide frameworks and perspectives, not directives requiring blind implementation.
External Links Disclaimer
raquelothis.sbs may contain links to external websites for user convenience. We do not control, endorse, or assume responsibility for content, privacy practices, or accuracy of information on linked external sites. Accessing external links is at your own risk.
No Guarantee of Specific Results
Financial planning consultations cannot guarantee specific outcomes or results. Results may vary significantly based on individual circumstances, implementation quality, market conditions, regulatory changes, and numerous factors beyond our control. Discussions during consultations involve projections and scenarios based on assumptions that may not materialize as anticipated.
Individual Results Will Vary
Every client's financial situation, goals, risk tolerance, and constraints differ. Strategies effective for one individual may not suit another's circumstances. Implementation success depends on factors including your discipline, changing life circumstances, economic conditions, and accuracy of information provided during consultations.
Specific Financial Services Disclaimer
Additional limitations apply to financial planning consultation services provided by raquelothis:
Regulatory Jurisdiction and Compliance
raquelothis operates under Australian regulatory frameworks and our services are designed for Australian residents:
Information and services provided through raquelothis.sbs are intended for Australian residents and comply with Australian financial services regulations. Content may not be appropriate for residents of other jurisdictions with different regulatory requirements, tax structures, or legal frameworks.
Australian law governs this disclaimer and your use of our website and services. Disputes shall be resolved in appropriate Australian courts.
International visitors should consult local regulations before relying on information designed for Australian circumstances.
User Indemnification
You agree to indemnify and hold harmless raquelothis, its advisors, employees, and affiliates from claims, damages, losses, or expenses arising from your use of our website or consultation services, including implementation of strategies discussed during consultations or misuse of information presented on raquelothis.sbs.
Severability Provision
If any provision of this disclaimer is found invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be severed and the remaining provisions shall continue in full force and effect.
Modifications
raquelothis reserves the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to raquelothis.sbs. Your continued use of the website or consultation services after modifications constitutes acceptance of revised terms.
Questions
If you have questions about this disclaimer or require clarification regarding limitations on our services, please contact our team:
Email Address: content@raquelothis.sbs
Phone Number: +61-8-8114-0901
Mailing Address: Level 4, 55 Southbank Boulevard, Southbank, VIC 3006 Australia
Disclaimer Effective Date: This disclaimer became effective September 3, 2025
Last Updated Date: This disclaimer was last reviewed September 3, 2025