Important Legal Disclaimer

Please Read Carefully

This disclaimer contains important legal information about our services.

By using our website or engaging our consultation services, you acknowledge understanding and accepting these terms and limitations.

This disclaimer explains the nature, scope, and limitations of consultation services provided by taronelios.com. We provide financial recommendations focused on zero-based budgeting methodologies, but we are not financial advisors, accountants, or licensed financial planners. Our services are educational and consultative in nature.

General Notice

The information, recommendations, and frameworks provided through our website and consultation services are for general informational purposes only. They should not be construed as professional financial advice, accounting guidance, legal counsel, or recommendations to take specific financial actions. Every individual's financial situation is unique, and what works for one person may not be appropriate for another.

Limitations of Liability

We make reasonable efforts to provide quality consultation services, but we cannot be held liable for:

Financial losses, missed opportunities, or negative outcomes resulting from implementation or non-implementation of recommendations discussed during consultations.
Decisions you make based on information provided through our website, consultations, or related materials, as ultimate responsibility for financial decisions rests with you.
Errors, omissions, or inaccuracies in information provided, despite our efforts to ensure quality and accuracy in all consultation services and materials.
Outcomes that differ from expectations, as results depend on numerous factors including your circumstances, implementation consistency, and external economic conditions beyond our control.

Information Accuracy

While we strive to provide accurate, current, and useful information during consultations and on our website, we make no warranties or representations regarding completeness, reliability, or accuracy. Information may become outdated as circumstances, regulations, or best practices evolve over time.

You should verify information independently and consult qualified professionals before making significant financial decisions.

Not Professional Financial Advice

Our consultation services focus on budgeting methodologies and expense control strategies. We do not provide advice regarding investments, tax planning, legal matters, estate planning, or other specialized financial areas requiring licensed professionals. You should consult appropriate licensed professionals for such matters.

External Links

Our website may contain links to external websites for reference or convenience. We do not control, endorse, or assume responsibility for content, privacy practices, or services of external sites. Accessing external links is at your own risk.

Results May Vary Significantly

Testimonials, case studies, or examples presented on our website or during consultations represent individual experiences and outcomes. They should not be interpreted as typical results or guarantees of specific outcomes. Your results will depend on your unique circumstances, commitment, and numerous other factors.

Factors Affecting Your Results

Outcomes from implementing zero-based budgeting methodologies depend on income level, expense obligations, behavioral patterns, consistency of implementation, external economic conditions, life circumstances, and many other variables. We cannot predict or guarantee specific results for any individual.

Financial Outcomes Not Guaranteed

Important disclaimers regarding financial outcomes:

We make no guarantees regarding expense reduction, savings achievement, debt elimination, or any other specific financial outcomes from implementing recommendations discussed during consultations.
Past performance doesn't guarantee future results. Financial outcomes that others have achieved do not predict what you will achieve in your unique circumstances.
Success in implementing zero-based budgeting depends primarily on your commitment, consistency, and circumstances rather than solely on the consultation services we provide.

Jurisdiction and Compliance

Our services are provided in compliance with Australian law:

These disclaimers and our services are governed by Australian law. We make reasonable efforts to comply with applicable regulations, but laws vary by jurisdiction and change over time. You are responsible for ensuring your use of our services complies with laws applicable to you.

If you access our services from outside Australia, you do so at your own initiative and are responsible for compliance with local laws.

Financial regulations and consumer protection laws vary by location. Consult local authorities if you have questions about applicable requirements.

Indemnification

You agree to indemnify and hold harmless taronelios.com, its operators, employees, and consultants from any claims, damages, losses, liabilities, or expenses including legal fees arising from your use of our services, implementation of recommendations, or any decisions you make based on information provided.

Severability

If any provision of this disclaimer is found unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remainder of this disclaimer remains in full force and effect.

Modifications

We reserve the right to modify this disclaimer at any time. Changes will be effective when posted on our website with an updated effective date. Your continued use of services after changes constitutes acceptance of the modified disclaimer.

Questions

If you have questions about this disclaimer or our services, please contact us:

Email: content@taronelios.com

Phone: +61380462951

Address: 373 Bay Street, Port Melbourne, VIC 3207 Australia

Effective Date: This disclaimer is effective as of October 30, 2025

Last Updated: This disclaimer was last updated on October 30, 2025