Important warning
Financial decisions involve uncertainty and potential loss; users remain responsible for their own choices.
Past performance does not guarantee future results, and nothing on this site should be interpreted as a promise of specific financial outcomes.
This disclaimer explains important limitations and conditions relating to the use of meloravexuni.com and any content made available on or through the site. By accessing or using the site, the user acknowledges that they have read, understood, and agreed to the statements below. If a user does not agree with this disclaimer, they should discontinue use of the site. This document should be read together with the Terms and Conditions and the Privacy Policy.
General notice
The material on meloravexuni.com is published for general informational purposes related to family financial planning. It is not tailored to any particular user and should not be relied upon as the sole basis for important decisions. Circumstances can differ widely between households, and small factual differences may significantly affect outcomes. Users remain responsible for assessing whether information is appropriate to their situation and for seeking independent professional advice where necessary.
Limitations of liability
Use of this site and reliance on its content are undertaken at the user’s own risk. Financial markets, regulatory settings, and personal circumstances can change quickly, and outcomes may differ from examples shown on the site.
To the maximum extent permitted by law, the Company excludes all
warranties, representations, and conditions relating to the site and its
content, whether express, implied, or statutory, including any implied
warranties of fitness for a particular purpose, accuracy, or
non-infringement, except where such exclusion is prohibited by applicable
legislation.
The Company is not liable for any loss, damage, cost, or expense arising
from the use of, or reliance on, information provided on this site,
including but not limited to indirect, consequential, special, or incidental
losses, loss of opportunity, or loss of data, even if the possibility of
such loss has been notified.
Where liability cannot be excluded under applicable law, it is limited, to
the extent permitted, to the resupply of the relevant service, the
correction of the relevant information, or the lesser amount otherwise
required by statute. Nothing in this disclaimer operates to exclude
liability for fraud or for any other matter that cannot lawfully be
excluded.
The user is responsible for implementing appropriate security, backup, and
protective measures when accessing the site, including the use of up-to-date
software, antivirus tools, and secure connections. The Company does not
warrant that the site will be continuously available, error-free, or
compatible with all devices or browsers.
Information accuracy limits
The information on this site is prepared with care, but the Company cannot guarantee that all content is complete, current, or suitable for every circumstance. Figures, examples, and references may change without notice. Users should verify key details, including regulatory updates and cost assumptions, before relying on any material. Any decisions based on information from this site are made at the user’s own responsibility and discretion.
The Company does not accept responsibility for errors, omissions, or outdated information on this site, except where such exclusion is not permitted by applicable law.
No professional advice
Information on this site is not a substitute for advice from a licensed financial adviser, legal practitioner, tax specialist, medical professional, or other qualified expert. Users should consult an appropriate professional before making decisions that could affect their finances, legal position, health, or other significant interests. Where financial products or services are mentioned, this does not constitute a recommendation or invitation to acquire, hold, or dispose of any particular arrangement.
External links
This site may contain links to external websites or resources that are not operated or controlled by the Company. These links are provided solely for convenience and informational purposes. The Company does not endorse, monitor, or assume responsibility for the content, policies, products, or services of any third-party site. Users access external resources at their own risk and should review the applicable terms and privacy notices for those sites.
Outcomes and expectations
Any references to potential outcomes, such as improved budgeting, increased savings capacity, or better alignment between childcare choices and income, are illustrative only. They are not promises or assurances that such outcomes will be achieved. Individual experiences depend on many factors outside the Company’s control, including personal behaviour, market conditions, and policy changes.
Variation in results
Results may vary from person to person and over time. The same approach may produce different outcomes for households with similar profiles. Users should consider best-case, typical, and adverse scenarios before acting on any information from this site, and avoid relying on a single projection or example.
Financial and planning disclaimer
Content on this site relates to financial planning topics for new parents in Australia, including childcare costs, longer-term family goals, and household budgeting. It is intended as general information only and does not take into account individual objectives, financial situations, or needs.
Nothing on this site constitutes personalised financial advice, legal
advice, tax advice, or professional recommendations. Users should obtain
independent advice from appropriately qualified professionals before making
decisions about savings, borrowing, insurance, superannuation, or other
financial arrangements.
Examples, scenarios, and illustrative calculations are provided solely to
explain concepts. They are not forecasts, promises, or representations that
similar outcomes will be achieved. Past performance does not guarantee
future results, and results may vary between individuals and over
time.
References to financial planning approaches, analytical reviews, or
personal consultations describe general discussion frameworks only. They do
not imply that the Company offers, promotes, or sells specific financial
products, investment services, or structured training programs of any
kind.
Jurisdiction and venue
The site is operated with a primary focus on users located in Australia. Access from other locations is permitted where lawful, but users are responsible for complying with local requirements.
Any disputes or claims arising out of or in connection with this site, its content, or this disclaimer are, to the extent permitted by law, subject to the non-exclusive jurisdiction of the courts and tribunals of Australia. The choice of jurisdiction does not limit any mandatory protections that apply under the laws of the user’s usual place of residence, where such protections cannot be excluded by agreement.
This disclaimer is intended to operate alongside applicable Australian law, including consumer and privacy requirements, and any mandatory local protections. If a provision conflicts with non-excludable statutory rights, those rights prevail to the extent of the inconsistency, and the remaining terms continue to apply.
Users accessing the site from outside Australia are responsible for ensuring that their use complies with any local laws or regulations that apply. The Company does not represent that the content is appropriate or available for use in every jurisdiction, and access may be restricted where providing such information would be contrary to local requirements.
Indemnity
To the fullest extent permitted by law, users agree to indemnify and hold harmless the Company, its officers, employees, and contractors from and against any claims, losses, liabilities, damages, costs, or expenses arising out of or related to misuse of this site, breach of these terms, or violation of applicable law, except to the extent caused directly by the Company’s own negligence or wilful misconduct.
Severability
If any provision of this disclaimer is found by a court or competent authority to be invalid, unlawful, or unenforceable, that provision will be applied to the maximum extent permissible or, if necessary, treated as severed from the remaining terms. The validity and enforceability of the other provisions will not be affected.
Changes to this disclaimer
The Company may update, amend, or replace this disclaimer at any time by publishing a revised version on meloravexuni.com. Changes take effect from the date of publication unless stated otherwise. Continued use of the site after any update constitutes acceptance of the revised disclaimer. Users are encouraged to review this page periodically to stay informed about current terms.
Contact
Questions about this disclaimer or how it applies to the use of meloravexuni.com may be directed to the Company using the general contact channels listed on the site. Users should avoid including sensitive personal data in initial correspondence.
Primary email: content@meloravexuni.com
Main phone: +61-3-3756-2352
Office info: 570 Bourke Street, Level 17 & 24, Melbourne, VIC 3000, Australia
Effective date: Effective from 23 October 2026
Last updated: Last reviewed on 23 October 2026