General Information

The information provided by melarionyx ("we," "us," or "our") on melarionyx.com and associated materials is for general educational purposes only. All information on the site is provided in good faith. However, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site or in our educational materials.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

Educational Purpose Only

The household budgeting materials, courses, tutorials, and educational content provided through melarionyx are designed for educational and informational purposes. These materials are intended to help individuals develop better financial literacy and household budget management skills.

The techniques, strategies, and approaches discussed in our materials represent general educational concepts. Individual financial situations vary significantly, and what works for one household may not be appropriate for another. You should consult with qualified professionals before making significant financial decisions.

No Professional Advice

melarionyx does not provide professional financial advice, legal advice, tax advice, or accounting services. The information presented through our website and educational programs should not be construed as such professional advice.

Specific Limitations

• We do not provide personalized financial planning or investment advice tailored to your specific circumstances
• Our content does not constitute recommendations regarding specific financial products, investments, or strategies
• We do not offer tax preparation services or tax planning advice specific to your situation
• Our materials should not replace consultations with qualified financial professionals, certified accountants, or licensed tax advisors
• We cannot guarantee specific financial outcomes or results from implementing strategies discussed in our materials

For specific advice concerning your financial situation, tax obligations, investment decisions, or legal matters, you should seek guidance from appropriately licensed and qualified professionals who can evaluate your individual circumstances.

Information Accuracy and Currency

While we strive to keep the information on our website and in our educational materials current and accurate, we make no guarantees about the completeness, reliability, or accuracy of this information.

Financial regulations, tax laws, banking practices, and economic conditions change regularly. Information that was accurate at the time of publication may become outdated. We update our materials periodically, but cannot guarantee that all content reflects the most current information at all times.

Australian financial regulations and tax laws referenced in our materials are subject to change by government authorities. You should verify current regulations and requirements with appropriate government agencies or professional advisors before making decisions based on regulatory information presented in our materials.

No Guaranteed Results

melarionyx makes no promises, guarantees, or warranties regarding specific financial outcomes, savings amounts, debt reduction results, or other measurable financial improvements from participating in our educational programs or implementing strategies discussed in our materials.

Individual results will vary based on numerous factors including but not limited to: starting financial position, income level, expense patterns, personal discipline, economic conditions, life circumstances, and consistency of application. Examples, case studies, or success stories shared in our materials represent individual experiences and should not be interpreted as typical results or promises of specific outcomes.

Any projections, forecasts, or hypothetical scenarios presented in our educational materials are illustrative only and should not be relied upon as predictions of actual results. Past performance examples do not guarantee future results.

"As Is" Provision

Our website, educational materials, courses, and all associated content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

We Specifically Disclaim

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties regarding the reliability, timeliness, or accuracy of content
• Warranties that the site will be error-free, secure, or continuously available
• Warranties regarding the results obtained from using our materials or services
• Any implied warranties arising from course of dealing or usage of trade

We do not warrant that defects will be corrected, that our site or server is free of viruses or other harmful components, or that our educational materials will meet your specific requirements or expectations.

External Links Disclaimer

Our website may contain links to external websites, resources, or tools operated by third parties. These links are provided for your convenience and informational purposes only.

melarionyx has no control over the content, privacy practices, or availability of external sites. We do not endorse, monitor, or assume responsibility for any external sites or their content. Clicking external links is at your own risk, and you should review the terms and privacy policies of any sites you visit.

We are not liable for any loss or damage arising from your use of external sites or reliance on information found on them.

Limitation of Liability

To the fullest extent permitted by applicable law, melarionyx and its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use our website or educational materials
• Any conduct or content of third parties on our site or related to our services
• Any content obtained from our site or materials
• Unauthorized access, use, or alteration of your transmissions or content
• Financial decisions made based on information provided in our materials
• Errors, mistakes, or inaccuracies in content
• Personal injury or property damage resulting from your use of our services

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

Australian Consumer Law

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.

To the extent permitted by law, our liability for breach of any implied warranty or condition that cannot be excluded is limited, at our option, to resupplying the educational materials or services or paying the cost of having them resupplied.

Changes to This Disclaimer

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

We encourage you to review this disclaimer periodically to stay informed about how we are protecting your interests and clarifying our educational service limitations.

Severability

If any provision of this disclaimer is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.