Disclaimer

Educational Purpose Only

All content, materials, courses, and resources provided by talirynthos (talirynthos.com) are designed strictly for educational and informational purposes. Our family budgeting courses, guides, templates, and tools are meant to help you understand personal finance concepts and develop budgeting skills.

Nothing contained in our materials should be interpreted as professional financial advice, legal guidance, or personalised recommendations for your specific situation. We're educators sharing knowledge — not financial advisors making recommendations about your money.

No Professional Advice

Financial Planning Limitations

talirynthos does not provide financial planning services, investment advice, or personalised financial recommendations. Our educational content covers general budgeting principles that may not suit your individual circumstances, financial position, or personal goals.

Before making any financial decisions based on concepts learned through our materials, you should:

• Consult with a qualified financial planner or advisor who understands your complete financial situation
• Seek advice from a licensed accountant regarding tax implications of financial strategies
• Speak with legal professionals about estate planning or trust-related matters
• Consider your personal risk tolerance, time horizon, and financial objectives

Tax and Legal Considerations

Our materials may reference tax concepts or legal structures as they relate to family budgeting education. This information is general in nature and does not constitute tax advice or legal counsel. Tax laws change frequently, and what's mentioned in our courses may not reflect current regulations or apply to your specific tax situation.

Always consult with qualified tax professionals and solicitors before implementing any strategies that have tax or legal implications.

No Guaranteed Results

We teach budgeting concepts and share practical techniques used by many families. However, we cannot and do not guarantee specific financial outcomes, savings amounts, or debt reduction results. Your personal results will depend on numerous factors including:

• Your current financial situation and starting point
• How consistently you apply the concepts taught
• Your income level and household expenses
• External economic factors beyond anyone's control
• Your personal discipline and commitment to financial goals
• Life circumstances that may affect your budget unexpectedly

Any examples, case studies, or testimonials shared in our materials represent individual experiences and should not be viewed as typical results. Your experience will likely differ.

Information Accuracy and Currency

Content Limitations

While we make reasonable efforts to provide accurate and current information, talirynthos makes no representations or warranties about the completeness, accuracy, reliability, or suitability of our educational content.

Personal finance concepts, government regulations, tax laws, and financial products change over time. Information that was accurate when materials were created may become outdated. We update our content periodically but cannot guarantee that every piece of information reflects the most current developments.

Third-Party References

Our educational materials may reference or link to third-party resources, tools, or websites. These references are provided for convenience and educational purposes only. talirynthos does not endorse, control, or assume responsibility for third-party content, products, or services.

We cannot verify the accuracy of external information or guarantee that third-party links will remain active. You access external resources at your own risk.

"As Is" Provision

All talirynthos educational materials, courses, templates, and resources are provided "as is" and "as available" without warranties of any kind, either express or implied.

To the fullest extent permitted by Australian law, talirynthos disclaims all warranties, including but not limited to:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties that materials will be error-free, uninterrupted, or free from harmful components
• Warranties regarding the accuracy, reliability, or completeness of information
• Warranties that our educational approach will suit your learning style or needs

You acknowledge that you use our materials at your own discretion and risk.

Limitation of Liability

No Liability for Financial Decisions

talirynthos, its directors, employees, instructors, and affiliated partners shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of our educational materials or your inability to use them.

This includes but is not limited to:

• Financial losses resulting from budgeting decisions or strategies
• Missed financial opportunities or investment returns
• Damage to credit ratings or financial standing
• Tax penalties or legal issues arising from financial actions
• Loss of data, income, or business opportunities
• Emotional distress related to financial outcomes

Maximum Liability Cap

In jurisdictions where limitation of liability cannot be fully excluded, talirynthos's total liability to you for all claims arising from your use of our materials shall not exceed the amount you paid for the specific course or resource that gave rise to the claim.

Australian Consumer Law

Nothing in this disclaimer is intended to exclude, restrict, or modify rights you may have under the Australian Consumer Law or other applicable consumer protection legislation that cannot be lawfully excluded.

Where legislation implies conditions or warranties that cannot be excluded, our liability for breach of such conditions or warranties is limited to, at our option:

• Supplying the educational services again, or
• Paying the cost of having the services supplied again

Personal Responsibility

By accessing and using talirynthos's educational materials, you acknowledge and agree that:

• You are solely responsible for your financial decisions and their consequences
• You will conduct your own due diligence before implementing any budgeting strategies
• You will seek professional advice appropriate to your circumstances before making significant financial decisions
• You understand the difference between education and personalised financial advice
• You accept full risk for outcomes related to financial actions you take

Our role is to educate, not to direct your specific financial choices. The responsibility for applying concepts appropriately to your situation rests entirely with you.

Changes to This Disclaimer

talirynthos reserves the right to modify, update, or replace this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our educational materials after changes are posted constitutes acceptance of the modified disclaimer.

We recommend reviewing this disclaimer periodically to stay informed about how we define the scope and limitations of our educational services.