The information provided on clevorana.com (the "Website") is for general educational purposes only and should not be construed as professional financial advice, personalized budget planning, or specific financial recommendations tailored to your individual circumstances.
By accessing and using this Website, you acknowledge that you have read, understood, and agree to be bound by the terms of this disclaimer. If you do not agree with any part of this disclaimer, please discontinue use of the Website immediately.
Educational Purpose and General Information
clevorana provides educational content related to budget consolidation strategies, financial management principles, and personal finance concepts. All materials, articles, guides, tools, and resources available on this Website are designed to help users develop a better understanding of financial topics.
Important: The information presented does not constitute professional financial advice and should not be relied upon as such. Every individual's financial situation is unique, and what works for one person may not be appropriate for another.
Content Accuracy and Completeness
While we make reasonable efforts to ensure that the information on this Website is accurate and up-to-date as of the publication date, we make no representations or warranties of any kind, express or implied, about:
- The completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website
- The timeliness of the content, as financial regulations, market conditions, and best practices change frequently
- The applicability of general educational content to your specific financial circumstances
No Professional Advice Provided
clevorana does not provide personalized financial advice, tax advice, legal advice, or professional consulting services through this Website. The educational materials available are general in nature and should not replace consultation with qualified professionals.
You Should Consult Qualified Professionals
Before making any financial decisions based on information found on this Website, you should consult with appropriate licensed professionals, which may include:
- Licensed financial advisors or planners for personalized financial strategies
- Certified public accountants or tax professionals for tax-related matters
- Solicitors or legal advisors for legal and contractual considerations
- Registered mortgage brokers for property and lending decisions
clevorana is not responsible for any decisions you make based on the educational content provided on this Website without seeking appropriate professional advice.
Limitation of Liability
To the fullest extent permitted by applicable law, clevorana, its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any loss or damage, including without limitation:
- Indirect or consequential loss or damage arising from the use of or reliance on information contained on this Website
- Financial losses, lost profits, or business interruption resulting from actions taken based on Website content
- Loss or damage arising from decisions made without obtaining appropriate professional advice
- Any loss or damage whatsoever arising from the use of this Website, whether based on warranty, contract, tort, or any other legal theory
This includes losses and damages resulting from viruses that may infect your computer equipment, software, data, or other proprietary material due to your use of the Website or downloading of any material from it.
No Guarantees or Warranties
The Website and all information, content, materials, products, and services included on or otherwise made available through the Website are provided on an "as is" and "as available" basis, unless otherwise specified in writing.
clevorana Makes No Warranties
We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to:
- Implied warranties of merchantability and fitness for a particular purpose
- Warranties that the Website will be uninterrupted, timely, secure, or error-free
- Warranties regarding the results that may be obtained from using the Website
- Warranties as to the accuracy or reliability of any information obtained through the Website
No advice or information, whether oral or written, obtained by you from clevorana or through the Website shall create any warranty not expressly stated in this disclaimer.
Individual Results and Outcomes
Budget consolidation strategies and financial management techniques discussed on this Website may not produce the same results for every individual. Your results will depend on numerous factors including but not limited to:
- Your current financial situation, income level, and existing debt obligations
- Your commitment to implementing and maintaining budget strategies
- Market conditions and economic factors beyond anyone's control
- Your unique personal circumstances, financial goals, and risk tolerance
clevorana makes no promises, guarantees, or warranties regarding specific financial outcomes, debt reduction timelines, savings amounts, or other measurable results you may achieve by using information from this Website.
Third-Party Links and Resources
This Website may contain links to third-party websites, resources, or references to external financial products and services. These links are provided solely for your convenience and information.
No Endorsement or Control
clevorana has no control over the content, privacy policies, or practices of third-party websites and accepts no responsibility for them. The inclusion of any link does not imply endorsement by clevorana of the linked site or any association with its operators.
You acknowledge and agree that clevorana shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any third-party websites or resources.
Changes to Content and Disclaimer
clevorana reserves the right to modify, update, or discontinue any aspect of the Website or its content at any time without prior notice. We may also update this disclaimer periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons.
Any changes will become effective immediately upon posting to the Website. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes. We encourage you to review this disclaimer periodically.
Australian Context and Jurisdiction
clevorana operates from Australia and our educational content may reference Australian financial systems, regulations, and market conditions. However, financial principles and budget consolidation concepts discussed may have broader application.
Nothing in this disclaimer is intended to exclude, restrict, or modify rights that you may have under the Australian Consumer Law or other applicable laws that cannot be excluded, restricted, or modified by agreement.
Where legislation implies into these terms any condition or warranty, and that legislation prohibits us from excluding or modifying the application of, or our liability under, any such condition or warranty, that condition or warranty will be deemed included but our liability will be limited to the fullest extent permitted by law.