Legal disclaimer and liability notice

Website disclaimer notice

This disclaimer sets out important limitations and conditions relating to the use of drevaliqo.com and any information, tools, or services made available through it. By accessing or using the site, the user acknowledges that no assurance is given regarding the accuracy, completeness, or suitability of the content for individual circumstances. The user accepts responsibility for evaluating information, obtaining independent professional advice where appropriate, and complying with applicable law.

Important warnings

Use of drevaliqo.com is at the user’s own risk and responsibility.

Past performance does not guarantee future results, and no content on this site should be treated as personal financial, legal, tax, or medical advice. Consult appropriate professionals, including a physician where relevant, before acting on any information.

General notice

The material on drevaliqo.com is intended to provide general information about the Company’s services and related topics. It is not an offer, invitation, or solicitation to enter into any contract, to acquire any financial product, or to engage in any particular transaction. The Company may update, modify, or remove content at any time without notice. Users access and use the site at their own risk and remain responsible for complying with all applicable laws and regulations in their jurisdiction. To the maximum extent permitted by law, no responsibility is accepted for any loss arising from reliance on information contained on this site.

No personal professional advice

Nothing on drevaliqo.com is intended to constitute, or should be relied upon as, personal financial, legal, tax, medical, or other professional advice. Any decisions regarding insurance cover, financial arrangements, health matters, or legal rights should be made in consultation with appropriately qualified professionals who can consider individual circumstances in detail. For health-related matters, users should consult a physician before acting on any information found on this site. The Company does not provide medical treatment or legal representation.

Limitations of liability

The user acknowledges that the internet is not a fully secure environment and that errors, interruptions, or delays may occur. To the extent permitted by law, the Company limits its liability for losses arising in connection with drevaliqo.com and the information provided on it. The following provisions explain how that limitation operates and how mandatory consumer protections are respected.

To the maximum extent permitted by law, the Company is not liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of profits, revenue, data, goodwill, or opportunity, arising out of or in connection with access to or use of drevaliqo.com, reliance on any content, or inability to use the site, even if the possibility of such loss has been advised.

The Company does not accept responsibility for errors, omissions, interruptions, delays, viruses, technical failures, or other issues that may affect the availability, security, or performance of drevaliqo.com. Users are responsible for implementing appropriate safeguards, such as up-to-date antivirus software and secure network configurations, before downloading content or interacting with the site.

Where liability cannot be excluded under applicable law, it is limited, to the extent permitted, to the resupply of the relevant services or the reasonable cost of having those services resupplied, at the Company’s option. Nothing in this disclaimer is intended to exclude, restrict, or modify any consumer rights that cannot be excluded under Australian law.

The limitations and exclusions of liability in this disclaimer apply to all legal theories, whether in contract, tort, statute, equity, or otherwise, and extend to the benefit of the Company’s officers, employees, contractors, and agents. Different or additional limitations may apply where expressly set out in other legal notices or terms published on drevaliqo.com.

Information accuracy and reliability

The information provided on drevaliqo.com is prepared with care, but the Company does not warrant that it is complete, current, or suitable for every situation. Content may include general descriptions of financial planning concepts, insurance products, or regulatory frameworks that can change over time. Users remain responsible for verifying facts, reviewing primary source documents, and seeking independent professional advice before relying on any material published on this site.

All information on this site is provided on an "as is" and "as available" basis, without any express or implied representation, warranty, or assurance as to accuracy, completeness, reliability, or fitness for a particular purpose.

External links

Drevaliqo.com may contain links to external websites or resources that are operated by third parties. These links are provided solely for convenience and informational purposes. The Company does not control, endorse, or assume responsibility for the content, security, accuracy, or practices of any third-party sites. Accessing external resources is at the user’s own discretion, and users should review the applicable terms, privacy policies, and disclaimers of those third parties.

Outcomes and performance

Any references on this site to outcomes, such as improved financial resilience, better alignment of insurance cover, or reduced exposure to certain risks, are illustrative only. They describe possible effects of careful planning in general terms and are not promises that any specific user will experience similar results. Personal circumstances, market conditions, and regulatory settings can all influence actual outcomes.

Variability of results

Results may vary between individuals, even where similar approaches are followed. Differences in income, expenses, health status, dependants, existing cover, and other factors can significantly affect the suitability and impact of any plan or arrangement. Users should not assume that examples, case studies, or descriptions on this site will translate directly to their own circumstances.

Financial and insurance-related information

Content on drevaliqo.com may refer to financial planning concepts, insurance needs, or related topics of a general nature. This information is not tailored to individual circumstances and should not be treated as personal financial, legal, tax, or other professional advice. Users should obtain independent advice from appropriately qualified professionals before making decisions based on material found on this site. Past performance does not guarantee future results, and results may vary.

Any references on this site to financial planning, insurance needs, premiums, benefits, or coverage structures are provided for general informational purposes only. They do not take into account individual objectives, financial situations, health conditions, or needs. Before acting on such information, users should assess its suitability and obtain advice from a licensed financial adviser or other qualified professional.
Descriptions of products, services, or market conditions are illustrative and may not reflect current offerings or terms available from any particular provider. The Company does not recommend or endorse specific policies, issuers, or arrangements. No assurance is given that any discussed approach will be appropriate for every user or will produce any particular outcome.
Any examples, scenarios, or projections described on drevaliqo.com are hypothetical and for explanatory purposes only. They do not represent actual client experiences and should not be interpreted as promises, forecasts, or guarantees. Economic conditions, regulatory frameworks, and personal circumstances can change, and such changes may materially affect real-world results.

Jurisdiction and cross-border access

Use of drevaliqo.com may be subject to different rules depending on where the user is located. The Company primarily operates with reference to Australian requirements, and does not represent that the content or services are suitable or lawful for use in every jurisdiction.

Users accessing drevaliqo.com from outside Australia do so on their own initiative and are responsible for ensuring that use of the site complies with local laws, including any restrictions on financial services, insurance discussions, or online information. The Company does not accept responsibility for any consequences arising from access in locations where the content, services, or use of this site may be restricted or unlawful.

This disclaimer, and any dispute or claim arising out of or in connection with it or its subject matter, is governed by the laws in force in Australia, without giving effect to any conflict of law principles. Users agree that these laws apply to their use of drevaliqo.com, in addition to any mandatory consumer protections that cannot be excluded under local legislation.

Insurance, financial planning, and related services are subject to local regulatory requirements that may differ between Australian states and between countries. References on this site to products, services, or regulatory concepts are general in nature and may not reflect all applicable rules in a user’s location. Users should consult local regulations and seek advice from qualified professionals before making decisions based on material from this site.

Indemnification

To the fullest extent permitted by applicable law, the user agrees to indemnify, defend, and hold harmless the Company, its officers, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or related to the user’s access to or use of drevaliqo.com, breach of this disclaimer or any applicable terms, or infringement of any rights of a third party. This indemnity obligation survives termination of site access or use.

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 applied to the maximum extent permitted or deemed severed from the disclaimer where necessary. The remaining provisions will continue in full force and effect. The failure of the Company to enforce any right or provision does not constitute a waiver of that right or provision.

Changes

The Company may modify, amend, or update this disclaimer at any time by publishing a revised version on drevaliqo.com. Changes take effect when posted, unless a later date is indicated. Continued access to or use of the site after changes are published constitutes acceptance of the updated disclaimer. Users are encouraged to review this page periodically to remain informed about the current terms governing use of the site and its content.

Effective date: This disclaimer takes effect from October 11, 2026 and applies to use of drevaliqo.com from that date forward, unless and until it is replaced by a later version published on this page.

Last updated: This disclaimer was last updated on October 11, 2026 and reflects the Company’s current understanding of relevant legal and regulatory considerations as at that date. The Company may revise this document periodically to address changes in law, practice, or the services offered through drevaliqo.com.