Important Disclaimer Information
Critical Notice
Read this disclaimer carefully before engaging services.
Consultation services provide guidance only and do not guarantee specific outcomes, results, or improvements in financial circumstances.
This disclaimer governs the use of tarenoxilo.com and all consultation services provided by tarenoxilo. By accessing this website or engaging our services, you acknowledge and agree to the limitations, disclaimers, and terms set forth below.
General Service Notice
tarenoxilo provides consultation services related to zero-based budgeting methodology and values-aligned financial control. Our services are educational and advisory in nature, designed to help clients understand budgeting approaches and develop personalized frameworks for expense management. We do not provide financial planning services, investment advice, tax guidance, legal counsel, or recommendations regarding specific financial products or transactions. All information provided during consultations represents general guidance that must be adapted to individual circumstances.
Liability Limitations and Exclusions
The following limitations apply to all aspects of our services and website content:
Information Accuracy Limitations
While we strive to provide accurate, current, and helpful information during consultations and through website content, we cannot guarantee completeness or accuracy of all information. Financial regulations, best practices, and circumstances change over time. Information provided reflects our understanding at the time of consultation but may not account for all variables affecting your specific situation.
Clients are responsible for verifying information and adapting guidance to their specific circumstances and current conditions.
Professional Advice Requirement Notice
Our consultation services do not replace professional financial planning, legal advice, tax guidance, or other specialized services. Clients should consult qualified professionals for specific advice regarding tax implications, legal matters, complex financial situations, or decisions with significant consequences. We strongly recommend obtaining independent professional advice before making major financial decisions.
External Links Disclaimer
Our website may contain links to external resources, third-party websites, or reference materials for client convenience. We do not control, endorse, or assume responsibility for content, accuracy, privacy practices, or services of linked external sites. Access external links at your own discretion and risk.
No Guarantee of Results Whatsoever
We explicitly disclaim any guarantee, promise, or assurance regarding specific financial outcomes, improvements, savings, or results from implementing consultation guidance or zero-based budgeting frameworks. Success depends entirely on individual application, consistency, discipline, circumstances, and factors beyond our control.
Individual Results Will Vary Significantly
Every client's financial situation, discipline level, life circumstances, and external factors differ substantially. Results experienced by one client provide no indication of results others may achieve. Testimonials, case examples, or success stories represent individual experiences and do not guarantee similar outcomes for other clients.
Financial Services Limitations Disclosure
The following clarifications apply to the nature and scope of our services:
Jurisdiction and Applicable Regulations
The following jurisdictional limitations and regulatory considerations apply:
Our services are designed for and available exclusively to Australian residents. Information provided during consultations reflects understanding of Australian financial context but may not account for all regional variations, state-specific regulations, or local considerations affecting individual circumstances.
These disclaimers are governed by Australian law. To the extent permitted by applicable consumer protection legislation, we limit liability as specified throughout this disclaimer.
Clients remain responsible for compliance with all applicable local, state, and federal regulations affecting their financial activities and decisions.
Client Indemnification
By engaging our services, you agree to indemnify and hold harmless tarenoxilo, its consultants, employees, and representatives from any claims, damages, losses, liabilities, or expenses arising from your use of consultation services, implementation of guidance, financial decisions, or reliance on information provided during consultations or through website content.
Severability Provision
If any provision of this disclaimer is found to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be limited or eliminated to the minimum extent necessary so that the remainder of this disclaimer continues in full force and effect.
Disclaimer Modifications
We reserve the right to modify this disclaimer at any time without prior notice. Material changes will be reflected in the last updated date below. Continued use of services after modifications constitutes acceptance of revised disclaimer terms.
Contact Information
If you have questions about this disclaimer or need clarification regarding limitations of our services, please contact us using the following information:
Email Address: content@tarenoxilo.com
Phone Number: +61218117095
Postal Address: 373 Bay Street, Port Melbourne, VIC 3207 Australia
Disclaimer Effective Date: This disclaimer became effective September 29, 2025
Last Updated Date: This disclaimer was last updated September 29, 2025