Disclaimer information and warnings

Please review carefully

All consultations are for general guidance only.

We do not offer product recommendations, personal financial advice, or guarantees of outcome. Results may vary.

This disclaimer sets out the limits of our services and information. Consultation sessions are not intended as personalised financial, investment, tax, or legal advice. Users should seek direct professional guidance for their own situation.

General advisory notice

Information provided through our consultations and content is for general reference and may not apply to individual circumstances. While we aim for clarity and accuracy, we are not responsible for actions taken solely on the basis of information discussed. Past performance doesn’t guarantee future results. Always consult a qualified professional before making financial decisions.

Liability limits

Our responsibility for damages or reliance on information is restricted as follows:

We do not assume liability for any direct, indirect, or incidental losses linked to advice received.
We are not liable for user actions taken on the basis of analytical reviews or during follow-up communication.
Site information may change and accuracy is not guaranteed at all times.
Content is not financial product advice, and each user bears responsibility for their decisions.

Accuracy of content supplied

Our consultations and website information are regularly reviewed, but we make no promises about completeness or suitability for every individual. All data should be considered general in nature and verified before relying on particular outcomes.

Always verify important details before acting.

No professional advice provided

Our sessions do not replace licensed professional advice. Users should consult their own specialist as required.

External content links

We may include links to other sites for your convenience. We do not control, endorse, or guarantee content found on external websites linked from ours.

Results and expectations warning

Results may vary for each client. Consultation outcomes are not promised or implied as typical for all individuals.

Outcome variation disclaimer

Your personal experience and any decisions you make may result in different outcomes or no changes at all.

Financial consultation limitations

Our sessions focus on analytical reviews and general scenario discussions only.

We do not provide investment, superannuation, insurance, or tax product advice or sell financial products.
No representation is made regarding the suitability of any reviewed scenario for your purpose.
No guarantees of financial performance or specific results are given; all decisions are your responsibility.

Legal jurisdiction details

All matters relating to the site are governed by Australian laws.

You agree that any legal issues or disputes are resolved in Australia following local procedures.

Australian law applies to all content, services, and communications offered here.

You may be subject to other rules based on your geographic location before use.

Indemnification

You agree to indemnify our team for any liability, claim, or expense resulting from your misuse or actions based on site content or consultancy.

Severability

Should any part of this disclaimer be held invalid under law, all other sections remain in effect.

Changes to this disclaimer

We reserve the right to update or revise this disclaimer. Continued use of the service means acceptance of any changes made.

Contact us

Reach out for clarification on these warnings or to ask about the scope of our advisory content.

Email address: content@merithanov.com

Phone number: +61.8.8436.0871

Office address: Suite 903 / 241 Adelaide Street, Brisbane, QLD 4000 Australia

Effective date: October 22, 2025

Last updated: October 22, 2025