Important disclaimer for subscribers

Please note

Our service provides general financial planning guidance only.

No guarantees of specific results or outcomes are made. Results may vary according to individual circumstances.

The information provided on kelioovian.com is for general informational purposes only and does not constitute personal financial, legal, or tax advice. All content is designed to support, not replace, your individual decision-making process.

General notice

While we strive to ensure the accuracy and reliability of our content, kelioovian does not make warranties regarding completeness or timeliness. You should consult a qualified professional for personalised advice before making financial decisions.

Limitation of liability

By using our service, you acknowledge the following limitations of liability:

kelioovian is not responsible for individual decisions made based on subscription guidance.
We do not guarantee any particular financial outcome or performance.
Any reliance on our content is at your own discretion and risk.
Past performance does not guarantee future results for any financial decision.

Information accuracy

We update our content regularly but cannot guarantee that all information is current or free from errors. Users are encouraged to verify details independently and consult with a qualified advisor if needed.

Information provided is subject to change and may not reflect the latest developments.

Professional advice

kelioovian does not provide personal financial, investment, legal, or tax advice. For specific guidance, consult a qualified Australian professional.

External links

Links to third-party websites are provided for convenience only. We do not endorse or take responsibility for content on external sites.

Disclaimer on results and outcomes

No guarantees are made regarding results or outcomes. Different individuals may have varying experiences with our service.

Variation in results

Factors such as your financial situation, goals, and external market conditions can impact your experience. Results may vary.

Financial disclaimer and transparency

Our service involves an ongoing fee of $250 per month for planning support.

No refunds or guarantees of outcome are offered.
All fees are disclosed upfront with no hidden costs.
APR rates, fees, and terms are outlined in the pricing section.

Governing law and jurisdiction

Our service and website are governed by Australian law.

Disputes or claims will be handled exclusively under the jurisdiction of Australia as outlined in our terms.

These terms are subject to the laws of the Commonwealth of Australia.

Users outside Australia must ensure compliance with local regulations.

Indemnification

By using our service, you agree to hold kelioovian harmless from claims arising from your use of the subscription or website.

Severability

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

Modifications

kelioovian may update this disclaimer at any time. Please review periodically for changes.

Contact us

For any questions regarding this disclaimer, please contact our team.

Email address: content@kelioovian.com

Phone number: +61-2-9677-4474

Office address: 1 Bligh Street, Level 26, Sydney, NSW 2000 Australia

Effective date: September 15, 2025

Last updated: September 15, 2025