General disclaimer notice

Important notice

This website offers consultation-based financial planning support.

All content is for informational purposes only and not tailored to individual circumstances.

The information provided on this website is intended to help users make informed decisions through analytical reviews and consultations. It does not constitute financial, legal, or investment advice. Results may vary based on individual circumstances and changing market conditions.

General information notice

Content on this site is provided for general informational purposes and should not be relied upon as a substitute for professional consultation. We strive for accuracy but do not guarantee completeness or suitability for specific situations.

Limitation of liability

Our organisation is not liable for any direct or indirect damages resulting from use of this website or its content.

We do not guarantee specific results or outcomes from consultations or information provided.
Service availability may vary and is subject to change without notice.
Past performance does not guarantee future results. Decisions should be made with caution.
Third-party content and external links do not imply endorsement or responsibility for accuracy.

Accuracy of information

While we update information regularly, we cannot warrant the accuracy or completeness of all details. Users are encouraged to verify information before making decisions.

No guarantee is made regarding the accuracy of market data or analytical reviews.

Professional advice

Our website does not offer personalised financial, legal, or investment advice. For guidance tailored to your circumstances, please consult a licensed professional.

External links

Links to external resources are provided for convenience. We are not responsible for the content or privacy practices of external sites.

Disclaimer on results and outcomes

Results may vary for each individual. No promises or guarantees are made regarding financial outcomes.

Variation of individual results

Every client has unique needs and circumstances. Success or outcomes from consultations cannot be assured.

Information on APR rates and fees

APR rates, fees, and repayment terms are provided for transparency and may change over time.

All APR rates and fees are disclosed during consultations before proceeding.
Repayment terms depend on your specific situation and are clearly explained.
We do not promote or sell financial products or investments on this site.

Jurisdiction and governing law

This website operates within the jurisdiction of Australia.

By using this site, you agree to comply with all applicable Australian laws and regulations governing online services and financial consultations.

Australian law governs any disputes or claims arising from use of this website.

Users are responsible for complying with local laws and regulations relevant to their location.

Indemnification

By using this site, users agree to indemnify and hold harmless our organisation from any claims or liabilities arising from misuse of content or services.

Severability

If any provision of this disclaimer is found invalid, the remainder remains effective and enforceable.

Modifications

We reserve the right to modify this disclaimer at any time. Changes will be posted on this page.

Contact us

For questions about this disclaimer or our services, contact us using the details below.

Contact email: content@stalinoveum.com

Contact phone: +61-3-1763-6950

Business address: 175B Stephen Street, Suite 201, Yarraville, VIC 3013 Australia

Effective date: September 1, 2025

Last updated: September 1, 2025