Disclaimer

1. General information

The Planvesto website and platform may provide educational, analytical, planning and informational content relating to personal finance, investments, financial goals, protection and related subjects.

Such information is intended to support understanding and financial planning. It should be considered together with the user's own circumstances and other relevant information.

2. No guarantee of financial outcomes

Financial markets, investments, interest rates, inflation, taxation and personal circumstances can change over time. Past performance does not necessarily indicate future results.

Any projections, illustrations, calculations or scenarios presented through Planvesto are subject to the assumptions used and may differ materially from actual outcomes.

3. Personal circumstances matter

A financial strategy that may be appropriate in one situation may not be appropriate in another. Financial decisions can depend on income, expenses, assets, liabilities, goals, time horizon, liquidity needs, risk considerations, taxation and many other factors.

Users should consider whether information is appropriate for their own circumstances before acting on it.

4. Investment risk

Investments can involve loss of capital, fluctuations in value, liquidity constraints, market risk, credit risk, interest-rate risk, inflation risk and other forms of risk.

The presence of an investment or strategy on the Planvesto platform does not mean that it is risk-free or suitable for every investor.

5. Illustrations and calculations

Calculations displayed by Planvesto may rely on assumptions such as expected returns, inflation, time periods, contributions, withdrawals or other user-provided values.

Changing one or more assumptions can materially change the resulting illustration. An illustration should therefore not be treated as a prediction of an actual financial result.

6. Product information

Where Planvesto provides information about financial products or investment options, the information may be provided for comparison, planning or educational purposes.

Product features, costs, taxation, eligibility, terms and other characteristics may change. Users should review current official product documentation before making a transaction.

7. Tax information

Tax treatment can depend on individual circumstances and applicable laws, regulations and interpretations.

Tax information presented through Planvesto should not be treated as a substitute for advice from an appropriately qualified tax professional.

8. Third-party information

Planvesto may display information obtained from external sources. While reasonable efforts may be made to use reliable information, Planvesto cannot guarantee that every external data point will always be complete, accurate or current.

9. User-provided information

Financial planning results can be affected by information supplied by the user. Incorrect, incomplete or outdated information can produce results that do not accurately reflect the user's actual circumstances.

Users are responsible for reviewing the information they enter and correcting it when circumstances change.

10. Professional advice

The nature of the services available through Planvesto will determine whether a particular interaction is educational information, financial planning, product information or regulated financial advice.

Where professional or regulated advice is required, users should rely on the appropriately authorised or qualified professional responsible for providing that service.

11. No assurance of completeness

Financial planning is broader than any single calculation, recommendation, product comparison or platform output. Planvesto cannot represent that every possible factor relevant to an individual's circumstances will always be identified through the platform.

12. Changes to this disclaimer

This Disclaimer may be updated from time to time to reflect changes in Planvesto's services, platform functionality or applicable requirements.

13. Contact

If you have questions about this Disclaimer or the information provided through Planvesto, contact us.