1. Introduction
These Terms and Conditions govern the use of this website and its educational resources. By accessing the site, users agree to follow these terms in full. The site is designed to provide neutral and general information about investments for readers in Australia. Content is intended for educational purposes only and does not include financial advice or product recommendations. Use of this site is voluntary, and users may discontinue at any time.
2. Educational Nature of Content
All materials on this site are created for general educational purposes. They explain concepts such as diversification, costs, risk, and time horizon in plain English. The content does not replace professional advice and is not tailored to individual goals or circumstances. Readers are responsible for consulting licensed professionals for specific guidance. No part of the site guarantees outcomes or makes performance claims.
3. Acceptable Use
Users agree to use the site in a lawful and respectful manner. Activities such as attempting to interfere with functionality, collecting data without consent, or misusing content are not permitted. Content may be read, downloaded, or printed for personal learning only. Reproduction or distribution for commercial purposes requires prior written permission. Any use that disrupts accessibility or compromises security is strictly prohibited.
4. Intellectual Property
All text, images, design elements, and educational materials are protected by copyright and related laws. Users may access and use the content for personal, non-commercial learning. Any modification, duplication, or republication outside these limits is not allowed without prior authorisation. The rights to all educational resources remain with the original creators of the site.
5. External Links
This site may include links to external resources, such as general education articles or third-party tools. These links are provided for convenience and do not represent endorsement. We are not responsible for the content, availability, or security of external websites. Users should review the privacy and cookie practices of third-party sites before using them.
6. Limitation of Liability
The site and its operators make reasonable efforts to provide accurate and up-to-date information. However, no guarantees are given regarding completeness, accuracy, or timeliness. Content is provided “as is” for learning purposes only. Users accept that reliance on the educational content is at their own discretion. The site is not liable for any direct or indirect issues that may result from use of the materials, except as required by applicable law.
7. Changes to Terms
These Terms and Conditions may be updated from time to time to reflect changes in practices, technology, or applicable requirements. Updates will be dated clearly at the end of this document. Significant changes will be highlighted for clarity. Users are encouraged to review the Terms regularly to remain informed.
8. Governing Law
These Terms are governed by the laws of Australia. Users accessing the site from other regions are responsible for compliance with their local laws where applicable.
9. Contact Information
If you have questions regarding these Terms and Conditions, please reach us using the details below. Enquiries will be answered during Sydney business hours.
Office: Suite 4, Level 19/227 Elizabeth St, Sydney NSW 2000, Australia
Phone: +61 2 9261 1594
Email: support@valmoriquea.com