Important Legal Information

Educational Purpose Statement

All content, materials, programs, and resources provided by quendariqo are intended strictly for educational and informational purposes. Our budget consolidation courses, workshops, and learning materials are designed to enhance your understanding of personal finance management.

Nothing presented on this website or within our programs constitutes professional financial advice, legal counsel, tax guidance, or investment recommendations. We're educators sharing knowledge – not licensed financial advisors providing personalized consultation.

No Professional Advice Guarantee

quendariqo does not provide, and should not be considered as providing, professional financial planning services. Before making any financial decisions based on information learned through our programs, you should consult with qualified professionals including:

• Licensed financial planners or advisors who understand your complete financial situation
• Certified public accountants for tax-related implications
• Legal professionals for matters involving contracts or legal obligations
• Banking specialists for credit and lending considerations

Your financial circumstances are unique. What works well in a classroom example might need significant modification for your particular situation.

Information Accuracy and Currency

We make reasonable efforts to ensure our educational content reflects current practices and accurate information as of early 2025. However, financial regulations, tax laws, and banking practices change frequently – sometimes without much notice.

quendariqo cannot guarantee that all information remains completely current or applicable to your specific jurisdiction within Australia. Financial rules can vary between states, and federal regulations undergo periodic updates.

While we review and update materials regularly, there may be delays between regulatory changes and our content updates. Always verify current rules with official sources before taking action.

Results and Outcome Limitations

We share case studies and examples throughout our programs to illustrate concepts. These examples are based on real situations but have been simplified for educational clarity. Your results will vary – possibly quite a bit – based on countless factors.

quendariqo makes no guarantees, promises, or assurances regarding specific outcomes you might achieve. We can't promise that our educational programs will result in debt reduction, improved credit scores, successful budget management, or any other specific financial outcome.

Your success depends on your individual effort, existing financial situation, discipline in applying concepts, external economic factors, and numerous other variables beyond our control or prediction.

Third-Party References and Links

Our educational materials occasionally reference or link to external websites, tools, or resources for supplementary learning. These references are provided purely for educational convenience.

quendariqo has no control over third-party content and assumes no responsibility for the accuracy, legality, or appropriateness of external materials. We don't endorse or guarantee any products, services, or information found through external links.

When you access third-party resources, you do so at your own risk and subject to their terms and conditions.

Liability Limitations

To the fullest extent permitted under Australian law, quendariqo and its instructors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use or inability to use our educational materials or programs
• Financial decisions made based on information learned in our courses
• Errors, omissions, or inaccuracies in educational content
• Unauthorized access to or alteration of your personal information
• Any other matter relating to our educational services

This includes situations where quendariqo was advised of the possibility of such damages. Some jurisdictions don't allow limitation of implied warranties or liability for incidental damages, so portions of these limitations may not apply to you.

Australian Context and Jurisdiction

Our programs are developed primarily for adult learners in the Australian market. Content, examples, and case studies reflect Australian financial systems, regulations, and practices as understood in 2025.

If you're accessing our materials from outside Australia, please recognize that financial systems, laws, and standard practices differ significantly between countries. What's common practice here might be unusual or even prohibited in your location.

These disclaimers and your use of quendariqo's services are governed by the laws of New South Wales, Australia, without regard to conflict of law principles.

Changes to Educational Content

quendariqo reserves the right to modify, update, or discontinue any aspect of our educational programs without prior notice. This includes curriculum changes, material updates, scheduling adjustments, and program restructuring.

We continuously improve our offerings based on student feedback, regulatory changes, and evolving best practices in financial education. While we notify enrolled students of significant changes, we're not obligated to maintain any specific program structure indefinitely.

Student Responsibility and Due Diligence

By participating in quendariqo's programs, you acknowledge that you're responsible for:

• Verifying information applies to your personal circumstances before acting on it
• Seeking professional advice for decisions with significant financial consequences
• Understanding that educational scenarios are simplified examples, not personalized recommendations
• Conducting your own research beyond what's covered in our materials
• Recognizing the difference between general education and specific financial advice

Education empowers you to make better decisions, but the decisions themselves remain entirely yours.