All financial reporting materials, investment guides, and educational content provided by jynovaris are intended exclusively for informational and educational purposes. These materials should not be construed as personalised financial advice, investment recommendations, or solicitations to buy or sell any securities.

The information presented represents general educational content about financial markets, reporting practices, and investment concepts. Individual financial circumstances vary significantly, and what may be appropriate for one investor may not be suitable for another.

jynovaris does not provide licensed financial advisory services. All content is designed to help investors better understand financial reporting and market dynamics from an educational perspective only.

jynovaris and its representatives do not provide professional financial advice, tax advice, legal counsel, or accounting services. Users should not rely on any content from our platform as a substitute for professional consultation with qualified advisors.

Before making any investment decisions or taking financial actions based on information you've learned through our educational materials, we strongly recommend consulting with:

• Licensed financial planners or investment advisors
• Qualified accountants familiar with your tax situation
• Legal professionals when appropriate
• Other relevant professional service providers

The complexity of financial markets and individual circumstances requires personalized professional guidance that our educational platform cannot provide.

While jynovaris strives to provide accurate and current information, we cannot guarantee the completeness, accuracy, or timeliness of all content presented on our platform. Financial markets move rapidly, and information that was accurate at the time of publication may become outdated.

All educational materials are provided on an "as is" basis without warranties of any kind, either express or implied. This includes but is not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Users acknowledge that they access and use all information at their own discretion and risk. jynovaris makes no representations about the suitability of the information for any particular user's circumstances or investment objectives.

Market data, financial figures, and statistical information presented in our educational content may be delayed or approximate. Users should verify current market conditions and specific data points through primary sources before making any decisions.

jynovaris, its directors, employees, contractors, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of our educational materials or platform services.

This limitation applies to all claims, whether based on contract, tort, negligence, or any other legal theory, even if jynovaris has been advised of the possibility of such damages.

Users expressly acknowledge that they bear full responsibility for their investment decisions and any resulting financial outcomes. jynovaris's educational content is not intended to be the sole basis for any investment decision.

In jurisdictions where certain liability limitations may not be enforceable, jynovaris's liability shall be limited to the maximum extent permitted by applicable law.

Our educational materials may reference or link to third-party websites, research, or information sources. jynovaris does not endorse, control, or assume responsibility for the accuracy or reliability of any third-party content.

Users access external links and third-party information at their own risk. jynovaris is not responsible for the availability, content, privacy practices, or terms of use of any linked websites or external resources.

References to specific companies, securities, or investment products in our educational content are for illustrative purposes only and should not be considered recommendations or endorsements.

jynovaris operates within the framework of Australian financial services regulations. Our educational services are designed to comply with applicable laws governing financial education and information provision.

Users located outside Australia should be aware that our content is prepared primarily for Australian markets and regulatory environment. International users should consider local laws and regulations that may apply to their circumstances.

This disclaimer and our educational services are governed by Australian law. Any disputes arising from the use of our platform or materials shall be subject to the jurisdiction of Australian courts.

jynovaris reserves the right to modify this disclaimer, our educational content, and platform terms at any time without prior notice. Updates will be posted on our website with revised effective dates.

Continued use of our educational materials following any modifications constitutes acceptance of the updated terms and conditions. Users are encouraged to review this disclaimer periodically.

Changes to our disclaimer may be necessary due to regulatory updates, business developments, or legal requirements affecting our educational services.