Important legal disclaimer for subscribers

Please read carefully:

This site provides general information only and does not constitute personal financial advice.

Always consult a qualified adviser before making significant financial decisions. Results may vary based on individual circumstances.

folenavique offers ongoing, subscription-based financial planning services in Australia. All content is for informational purposes only and should not be interpreted as a substitute for personalised advice from a licensed professional. Past performance does not guarantee future results.

General notice

The information on this website is intended to provide an overview of our subscription-based financial planning services. It does not account for your individual objectives, financial situation, or needs. You should consider whether our services are appropriate for your circumstances before making decisions.

Limitation of liability

To the maximum extent permitted by law, folenavique and its representatives are not liable for any loss arising from reliance on the information provided herein.

  • We do not accept responsibility for decisions made solely based on website content.
  • No liability is accepted for indirect or consequential damages, even if foreseeable.
  • Our services are not a substitute for tailored legal, accounting, or tax advice.
  • Past performance is not indicative of future results. Results may vary.

Accuracy of information

We strive to ensure all information on our website is accurate and up to date. However, we do not warrant the completeness or reliability of any content. Users are encouraged to seek additional verification before acting.

No guarantee is made regarding the accuracy or timeliness of information provided.

Seek professional advice

Before making any financial decision, consult a licensed and qualified adviser who can assess your specific circumstances and provide tailored guidance.

External links

Our site may contain links to third-party websites for user convenience. We do not control or endorse their content and are not responsible for their accuracy or reliability.

Results and performance disclaimer

All references to results or outcomes are illustrative. Actual experiences may differ based on each client’s circumstances. Results may vary.

Variation in results

No two clients are the same, and outcomes depend on multiple factors. We make no promise of identical results or future performance.

Financial services disclaimer

folenavique is not a lender or credit provider. Our subscription does not include lending, investment, or loan products.

  • No APR, fees, or repayment terms apply to our service.
  • We do not provide recommendations for specific investment vehicles or credit products.
  • Our advisers focus on analytical reviews and consultations, not product sales.

Jurisdiction and law

folenavique operates under Australian law and regulations.

All services and information are provided in compliance with applicable Australian financial services laws. Any disputes shall be resolved under Australian jurisdiction.

This disclaimer is governed by the laws of Australia. Any legal proceedings must be initiated in an Australian court.

Users outside Australia are responsible for compliance with their local laws when accessing our services.

Indemnification

By using this website, you agree to indemnify folenavique and its representatives from any claims arising from your use or misuse of the content and services provided.

Severability

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

Modifications

folenavique reserves the right to update this disclaimer at any time. Please check periodically for changes.

Contact us

For questions regarding this disclaimer, please use the contact details below.

Contact email: content@folenavique.com

Contact phone: +61.2.7775.8986

Contact address: 175B Stephen Street, Suite 201, Yarraville, VIC 3013 Australia

Effective date: October 1, 2025

Last updated: October 1, 2025