Investment Disclaimer and Liability Limitations

01

General Notice

All content published on this platform, including factor timing signals, macroeconomic analyses, valuation spread readings, sentiment indicators, and methodology documentation, is provided for informational and analytical reference purposes only. Nothing contained on this platform constitutes financial advice, investment advice, trading advice, or any other form of regulated financial service. The Company does not hold an Australian Financial Services Licence and does not provide personalised financial product advice to users. Access to and use of this platform does not establish any advisory relationship between the user and the Company.

02

Limitations of Liability

To the fullest extent permitted by applicable Australian law, the Company expressly excludes liability for the following categories of loss or damage arising from use of the platform or reliance on its content:

Any direct, indirect, incidental, or consequential financial loss arising from a user's reliance on factor timing signals, macroeconomic indicators, or analytical commentary published on the platform.
Any loss resulting from decisions made by the user in connection with the timing, sizing, or composition of financial exposures based on content accessed through this platform.
Any technical errors, data interruptions, or inaccuracies in signal outputs caused by third-party data providers, platform outages, or circumstances beyond the Company's reasonable control.
Any loss or damage arising from the user's failure to seek independent, qualified financial advice before making financial decisions informed by platform content.

03

Accuracy of Information

The Company takes reasonable steps to ensure that all information and signal outputs published on this platform are accurate and grounded in documented analytical methodology at the time of publication. However, financial markets, macroeconomic conditions, and underlying data sources are subject to continuous change. The Company does not warrant that all information on the platform is current, complete, or free from error at any given time. Users are responsible for verifying the currency and applicability of any information before relying upon it for analytical or decision-making purposes.

The Company reserves the right to update, correct, or remove any content on the platform at any time without prior notice to users.

04

Seek Professional Financial Advice

Nothing on this platform is intended to replace the advice of a qualified and licensed financial adviser, accountant, or other regulated professional. Users who are considering any financial decision informed by content accessed on this platform are strongly encouraged to consult an independent financial adviser who is appropriately licensed under Australian law and who can assess their individual financial circumstances, objectives, and risk tolerance before proceeding.

05

External Links

This platform may contain links to external websites operated by third parties. These links are provided for reference convenience only. The Company does not endorse, control, or accept responsibility for the content, accuracy, or availability of any third-party website. Users access external links entirely at their own risk, and the Company accepts no liability for any loss or damage arising from use of linked third-party content.

06

No Guarantee of Analytical Outcomes

Factor timing signals and analytical frameworks published on this platform represent the Company's documented methodological approach to interpreting macroeconomic, valuation, and sentiment data. These signals are analytical reference tools and do not guarantee any particular outcome. The analytical conclusions drawn by any individual user from platform content may differ materially from those of other users applying the same framework. Results may vary.

Variation in Individual Outcomes

Individual users may interpret factor timing signals differently based on their existing analytical knowledge, the financial instruments they are evaluating, and the broader market context at the time of use. The Company does not represent that any specific analytical approach or signal interpretation will produce consistent or replicable outcomes across all users or market environments. Past signal behaviour does not guarantee future analytical utility or accuracy.

07

No Financial Products or Services Offered

The Company does not offer, promote, sell, or facilitate access to any of the following through this platform:

Any financial product, managed investment scheme, or regulated financial instrument of any kind under the Corporations Act 2001 (Cth) or any other applicable Australian legislation.
Any personalised financial product advice, general financial product advice, or dealing services that would require an Australian Financial Services Licence under the Corporations Act 2001 (Cth).
Any arrangement, scheme, or programme that involves the pooling of funds, collective investment, or the management of financial assets on behalf of platform users.

08

Jurisdiction and Applicable Law

This platform is operated from Australia and is subject to Australian law. The following provisions apply to all users accessing the platform regardless of their country of residence:

This disclaimer and all matters arising from the use of this platform are governed by the laws of the State of Victoria, Australia. Any dispute arising in connection with this disclaimer or the use of the platform shall be subject to the exclusive jurisdiction of the courts of Victoria, unless the user is a consumer entitled to bring proceedings in their own jurisdiction under applicable consumer protection law.

Australian Consumer Law, as contained in Schedule 2 of the Competition and Consumer Act 2010 (Cth), applies to users accessing the platform from within Australia.

Users accessing this platform from jurisdictions outside Australia are responsible for ensuring that their use of the platform complies with all applicable local laws and regulations in their country of residence.

09

Indemnification

By accessing and using this platform, the user agrees to indemnify and hold harmless the Company, its directors, researchers, and staff from any claim, loss, liability, cost, or expense — including reasonable legal fees — arising from the user's use of or reliance on platform content, breach of this disclaimer, or violation of any applicable law in connection with platform access.

10

Severability

If any provision of this disclaimer is found to be unlawful, void, or unenforceable under applicable law, that provision shall be deemed severable from the remaining provisions of this disclaimer. The remaining provisions shall continue in full force and effect to the maximum extent permitted by law. The invalidity of any single provision shall not affect the validity or enforceability of any other provision contained herein.

Modifications

The Company reserves the right to amend, update, or replace this disclaimer at any time without prior notice. Any changes will be reflected by an updated revision date at the bottom of this page. Continued use of the platform following the publication of any amendment constitutes the user's acceptance of the revised disclaimer. Users are encouraged to review this page periodically to remain informed of any changes.