Overview
Disclaimer for Brixalenova
This disclaimer sets out important information about the nature and limitations of the material made available by Brixalenova (the Company) on brixalenova.com. It explains that the site provides general information only, outlines the boundaries of responsibility and liability, and describes how users should approach any content that touches on financial risks, planning concepts or related topics. By accessing or using this site, the user acknowledges and agrees to the terms set out in this disclaimer, as amended from time to time.
Important warnings
Financial decisions involve uncertainty and the possibility of loss, and users should carefully consider their own circumstances before acting.
Past performance does not guarantee future results, results may vary between individuals, and users remain responsible for their own financial and related decisions.
Full disclaimer
General notice
The information, commentary, tools and examples provided on this site are intended as general background only. They are not tailored to the needs, goals, risk tolerance or circumstances of any specific user and should not be treated as a substitute for personalised professional advice. Users remain solely responsible for how they interpret and use the material presented. By accessing or using this site, each user acknowledges that they do so at their own discretion and that they should seek independent advice before making decisions that could have financial, legal, tax or other significant consequences.
Limitations of liability
The user acknowledges that the site is provided for general information purposes only and that there are inherent risks in accessing online content and making decisions based on that content. The following provisions describe how the Company limits its liability to the extent permitted by law.
- To the extent permitted by law, the Company is not liable for any loss, damage, cost or expense arising directly or indirectly from the use of, or reliance on, any information, scenario, example or other material contained on or accessed through this site, whether such loss or damage is caused by negligence or otherwise.
- The Company is not responsible for any loss of data, interruption of business, technical failure, or harm caused by malware, viruses or other harmful components that may be present on, or transmitted through, this site or any linked resource, except to the extent that liability cannot lawfully be excluded.
- In circumstances where liability cannot be excluded but may be limited, the total liability of the Company in connection with the use of this site, however arising, is limited to the minimum extent permitted by applicable law. Nothing in this disclaimer is intended to exclude any liability that cannot be excluded under relevant legislation.
- Users acknowledge that they access and use this site, and act or refrain from acting on the basis of any information obtained from it, entirely at their own risk. The Company does not accept responsibility for decisions made or actions taken by users or third parties, even where such decisions or actions are influenced by material found on this site.
Information accuracy and completeness
The Company endeavours to provide information that is current, accurate and drawn from sources considered reliable at the time of publication. However, no representation or warranty, express or implied, is given that any information on this site is complete, up to date or suitable for every circumstance. Figures, examples, assumptions and scenario descriptions are illustrative only and may not reflect actual or future conditions. Users should independently verify any information that is important to their decisions and should not rely solely on material provided through this site when assessing financial risks or planning responses to them.
Information on this site is provided on an "as is" and "as available" basis, without any assurance as to accuracy, completeness, timeliness or fitness for a particular purpose, and may change without notice.
No personalised professional advice
Nothing on this site constitutes personal financial advice, financial product advice, legal advice, tax advice, medical advice or any other professional advice. Any decisions regarding financial arrangements, health, tax, legal matters or other significant issues should be made in consultation with appropriately qualified professionals who can consider the user’s specific circumstances in detail. Where financial decisions intersect with health or wellbeing, users should consult their physician before use of any related product or service.
External links
This site may contain links or references to external websites, tools or resources that are not operated or controlled by the Company. These links are provided solely for convenience and do not imply endorsement, recommendation, approval or responsibility for the content, products, services or security practices of any third party. Users access external sites at their own discretion and should review the applicable terms, privacy information and policies of those providers before relying on any material found there.
No promise of specific outcomes
Examples, illustrations, forward looking statements and scenario analyses on this site are hypothetical in nature and are provided solely to demonstrate concepts. They do not represent actual outcomes and should not be interpreted as forecasts, promises or guarantees. Results may vary significantly between individuals due to differences in circumstances, decisions and external conditions.
Variability of results
Because financial markets, economic conditions and personal circumstances change over time, outcomes arising from similar decisions may differ between users and across periods. Assumptions used in examples may not hold in practice, and external events may affect results in unpredictable ways. Users should therefore treat any outcome described on this site as one of many possible results, not as a definitive expectation.
Financial information and risk warnings
Material on this site relates in part to financial risks, diversification, reserves and contingency planning. It is provided for general information only and is not intended to be, and must not be taken as, personal advice, financial product advice, legal advice, tax advice or any other form of professional advice.
- Any discussion of financial risks, diversification, reserves, contingency plans, interest rates or market conditions is general in nature and does not take into account the objectives, financial situation or needs of any particular person. Before acting on any information, users should consider whether it is appropriate to their circumstances and, where necessary, obtain independent professional advice.
- References to potential outcomes, scenarios, buffers, risk levels or resilience are illustrative only and are not predictions, promises or assurances of any particular result. Past performance does not guarantee future results, and results may vary between individuals even where circumstances appear similar.
- The Company does not recommend or endorse any specific financial product, issuer or course of action through this site. Nothing on this site should be interpreted as an invitation, solicitation or offer to buy, hold or sell any financial instrument, or to enter into any transaction or arrangement.
Jurisdiction and territory
This site is operated from Australia and is intended primarily for users located in Australia, although access from other locations may be technically possible. Laws and regulatory requirements can differ between jurisdictions, and information presented here may not be appropriate or lawful for use in every country or region.
Without limiting any other provision, users are responsible for ensuring that accessing or using this site complies with the laws applicable in their own jurisdiction. The Company does not represent that content on this site is suitable for, or may lawfully be accessed from, all locations. Any dispute or claim arising out of or in connection with this site or this disclaimer is, subject to any mandatory provisions of law, governed by the laws in force in Australia, and the courts of that jurisdiction have non exclusive jurisdiction.
To the extent permitted by law, this disclaimer is intended to be interpreted in accordance with applicable legislation in Australia, including consumer protection and financial services laws. Nothing in this disclaimer seeks to exclude, restrict or modify any statutory right or guarantee that cannot lawfully be excluded or limited. If any provision conflicts with a mandatory legal requirement, that provision is deemed modified only to the extent necessary to comply.
Financial and related regulations vary across regions, and the material on this site is not intended to address every local requirement. Users should consider any local rules that may apply to them and, where relevant, obtain independent advice. The Company does not represent that the content satisfies the requirements of any regulator or authority outside Australia.
Indemnity
To the fullest extent permitted by law, the user agrees to indemnify and hold harmless the Company, its officers, employees and contractors from and against any claims, demands, losses, liabilities, costs and expenses (including reasonable legal fees) arising out of or related to the user’s breach of this disclaimer, misuse of the site, or violation of any applicable law or the rights of any third party. This indemnity is in addition to, and does not limit, any other rights or remedies available to the Company.
Severability
If any provision of this disclaimer is found by a court or other competent authority to be invalid, unlawful or unenforceable, that provision will be interpreted, limited or, if necessary, severed to the minimum extent required, and the remaining provisions will continue in full force and effect. The invalidity or unenforceability of any part of this disclaimer does not affect the validity of the remainder.
Changes
The Company may modify, update or remove any part of this site, including this disclaimer, at any time without prior notice. Changes take effect when they are posted on the site, unless otherwise stated. Continued access or use of the site after changes are made constitutes acceptance of the updated terms. Users are encouraged to review this disclaimer periodically to stay informed about the current conditions that apply to their use of the site.
Contact
Questions about this disclaimer, the nature of information provided on this site, or the way it interacts with other legal documents may be directed to the Company through the standard contact channels identified on the site. The Company may request additional details in order to respond appropriately.
Effective date: This disclaimer is effective from September 23, 2026 and remains in force until replaced or withdrawn by the Company.
Last updated: Last reviewed and updated on September 23, 2026, to reflect current information practices and risk related disclosures.