General disclaimer notice

Important notice

Past performance does not guarantee future results.

All information is for general purposes only. Results may vary by individual circumstances.

cirkocarcelosio offers user-focused solutions for financial planning. The information on this site is provided for general informational purposes and should not be considered as financial, legal, or tax advice. We recommend consulting a qualified professional for advice tailored to your situation.

General information

Content on this site is for informational purposes and should not be interpreted as a substitute for professional consultation. We strive for accuracy but do not guarantee completeness or reliability. Use of this site and its content is at your own discretion and risk.

Limitations of liability

cirkocarcelosio and its representatives are not liable for any loss, damage, or inconvenience resulting from use of our services or information provided.

We do not accept responsibility for any indirect or consequential losses arising from site usage.
No liability is accepted for inaccuracies, omissions, or errors in content or material.
cirkocarcelosio is not responsible for third-party links or external resources referenced on this website.
Any decisions made based on our content are at your sole discretion and risk.

Accuracy of information

We make reasonable efforts to keep information accurate and updated. However, content may change without notice and may not always reflect the latest regulatory or market developments. We do not warrant accuracy, completeness, or timeliness.

Information is provided "as is" without warranties of any kind.

No professional advice

All information is general and not a substitute for personalised advice. Please consult a qualified professional to assess your individual needs and circumstances.

External site links

Links to external sites are provided for reference only. We are not responsible for the content or privacy practices of other websites. Use caution when visiting external resources.

No outcome guarantee statement

cirkocarcelosio does not guarantee results of any kind. Performance, satisfaction, or outcomes may differ by individual. Results may vary and are influenced by many factors.

Individual results may differ

Planning outcomes are affected by personal circumstances, market conditions, and external events. Past performance does not guarantee future results.

Financial planning and APR notice

We disclose relevant fees, annual percentage rates (APR), and repayment terms where applicable.

Consultations may involve discussion of relevant APR rates and associated fees.
Repayment terms and conditions will be clarified during personal consultations.
No advice is provided regarding restricted investment products or aggressive strategies.

Governing law and jurisdiction

Use of this site is subject to Australian law and jurisdiction.

All disputes or claims are to be resolved in accordance with the laws of Australia. Access or use may not be permitted in some jurisdictions.

These terms are governed by applicable Australian law.

Compliance with local regulations is the responsibility of each user.

Indemnity

By using this site, you agree to indemnify and hold cirkocarcelosio harmless for any claims or losses related to your use of our services or content.

Severability

If any provision of this disclaimer is found invalid, remaining provisions shall remain in effect.

Changes

cirkocarcelosio reserves the right to update this disclaimer at any time. Please review periodically for changes.

Contact us

For any questions or concerns, please use the contact information provided below.

Email address: content@cirkocarcelosio.com

Phone number: +61 7 3813 5883

Office address: 570 Bourke Street, Level 17 & 24, Melbourne, VIC 3000 Australia

Effective from: October 1, 2025

Last updated: October 1, 2025