General Information Disclaimer

The information provided on this website and through torivaxolume's financial analysis tools is intended for educational and informational purposes only. Our software, courses, and resources are designed to help users understand financial analysis concepts and methodologies commonly used in business and investment contexts.

All content, including but not limited to text, graphics, images, and software applications, is provided on an "as is" basis without warranties of any kind. We make no representations about the accuracy, reliability, completeness, or timeliness of the material provided through our platform.

Educational Purpose and Limitations

Our financial analysis software and learning materials are educational tools designed to demonstrate various analytical techniques and methodologies. Results generated by our tools should not be considered investment recommendations or guarantees of future performance.

• All financial models and calculations are simplified for educational purposes
• Real-world financial analysis requires consideration of numerous variables not included in our educational tools
• Market conditions, economic factors, and individual circumstances can significantly impact actual results
• Historical data used in examples does not predict future market performance
• Users must conduct their own research and due diligence before making financial decisions

Limitation of Liability

To the fullest extent permitted by Australian law, torivaxolume disclaims all liability for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Use or inability to use our website, software, or educational materials
• Reliance on information provided through our platform
• Financial decisions made based on our educational content
• Technical errors, system failures, or data inaccuracies
• Unauthorized access to or alteration of your data
• Any other matter relating to our services or website

Users acknowledge that they use our services entirely at their own risk and discretion.

Data Accuracy and Currency

While we strive to maintain accurate and current information, financial markets and regulations change rapidly. We cannot guarantee the accuracy or completeness of any financial data, market information, or regulatory content provided through our platform.

Users are responsible for verifying the accuracy and currency of any information before making decisions based on such data. We recommend cross-referencing our educational materials with current market data and consulting multiple sources when conducting financial analysis.

Australian Financial Services Compliance

torivaxolume operates as an educational technology provider and does not hold an Australian Financial Services (AFS) licence. We do not provide financial product advice as defined under the Corporations Act 2001. Our tools and content are designed for educational purposes and should not be used as the sole basis for investment or financial decisions.

Australian users seeking financial advice should consult with licensed financial advisors who can provide appropriate guidance based on individual circumstances and current regulatory requirements.

Third-Party Content and Links

Our website may contain links to third-party websites or reference external financial data sources. These links and references are provided for convenience only. We do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party websites or services.

Users access third-party content at their own risk and should review the terms of use and privacy policies of any external websites they visit.

Software and System Limitations

Our financial analysis software is provided for educational demonstration purposes. While we endeavour to maintain reliable systems, we cannot guarantee uninterrupted service or complete accuracy of computational results. Users should:

• Verify all calculations independently using alternative methods
• Understand the assumptions and limitations built into our analytical models
• Recognise that simplified educational models may not reflect real-world complexity
• Maintain appropriate backups of any important work or data
• Report any suspected errors or technical issues promptly

Modifications and Updates

torivaxolume reserves the right to modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting to our website. Users are encouraged to review this disclaimer periodically to stay informed of any updates.

Continued use of our services following any modifications constitutes acceptance of the revised disclaimer terms.