Educational Purpose Only

All content, resources, materials, articles, videos, courses, and information provided by Candletech are strictly for educational and informational purposes. Our investment awareness programs are designed to help Australians understand financial concepts, not to provide specific investment advice.

The materials we create aim to build financial literacy. They don't replace professional guidance from qualified financial advisers, accountants, or legal professionals who understand your personal circumstances.

Before making any financial decisions, you should consult with licensed professionals who can assess your individual situation, risk tolerance, and goals.

No Professional Advice

Candletech does not provide financial advice, investment advice, tax advice, legal advice, or any other form of professional advisory services. We are educators focused on building awareness and understanding.

What We Don't Offer

• Personalised investment recommendations or portfolio management
• Tax planning or preparation services
• Legal guidance on financial matters or contracts
• Accounting or bookkeeping services
• Advice on specific securities, funds, or financial products
• Asset allocation recommendations tailored to individual circumstances

Our instructors share educational content based on general principles and concepts. Any examples, case studies, or scenarios presented are for illustrative purposes and shouldn't be interpreted as recommendations for your specific situation.

Australian financial regulations require that only licensed professionals provide financial product advice. We respect these regulations and stay firmly within our role as educators.

Information Accuracy and Currency

We make reasonable efforts to ensure information accuracy at the time of publication. However, financial markets, regulations, tax laws, and economic conditions change constantly. Information that was current when created might become outdated.

Content on our platform reflects conditions and regulations as they existed at the time of creation. Australian financial regulations, superannuation rules, and tax legislation can change with each budget cycle or regulatory update.

While we review and update content periodically, some materials may reference older data, past market conditions, or previous regulatory frameworks. Users should independently verify current information before making decisions.

No Guarantees or Warranties

All materials and content are provided "as is" without warranties of any kind, either express or implied. This includes but isn't limited to warranties of accuracy, completeness, reliability, or fitness for a particular purpose.

We Make No Guarantees About

• Investment performance or financial outcomes from applying concepts learned
• Career advancement or employment opportunities after program completion
• Specific knowledge retention or skill acquisition
• Uninterrupted access to platform materials or services
• Error-free content or technical functionality
• Compatibility with all devices or browsers

Financial markets involve risk. Past performance doesn't indicate future results. Economic concepts that worked historically may not work in future conditions. Educational content can't predict or guarantee outcomes.

Your individual results depend on numerous factors beyond our control, including your effort, prior knowledge, market conditions, economic circumstances, and personal decisions.

Limitation of Liability

To the fullest extent permitted under Australian law, Candletech, its directors, employees, instructors, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of our materials or services.

This limitation includes but isn't limited to damages for financial losses, investment losses, lost profits, business interruption, loss of data, or any other commercial damages or losses resulting from:

• Reliance on information provided in our educational materials
• Decisions made based on concepts learned in our programs
• Inability to access materials or technical issues with the platform
• Errors, omissions, or inaccuracies in content
• Third-party actions or content linked from our platform
• Changes in laws, regulations, or market conditions

Some jurisdictions don't allow limitation of liability for certain types of damages. In those cases, our liability is limited to the maximum extent permitted by applicable law.

Third-Party Content and Links

Our educational materials may reference, link to, or incorporate content from third-party sources, websites, tools, or resources. We provide these references for educational convenience and don't endorse or take responsibility for third-party content.

We don't control or verify third-party websites or resources. They may have their own terms, policies, and disclaimers that govern their use. External links might lead to sites with different privacy practices or content standards.

When you access third-party resources, you do so at your own risk. We're not responsible for the accuracy, legality, appropriateness, or any aspect of third-party content or services.

Australian Financial Regulations

Candletech operates as an educational provider, not as a financial services provider under Australian Securities and Investments Commission regulations. We don't hold an Australian Financial Services License because we don't provide financial product advice.

Our investment awareness programs focus on building understanding of financial concepts and literacy. We teach about how financial systems work, not which specific products you should purchase.

For personalised financial advice regarding your investments, superannuation, insurance, or other financial products, you must consult with a licensed financial adviser who holds appropriate credentials and authorisations under Australian law.

Changes to This Disclaimer

We may update this disclaimer periodically to reflect changes in our services, legal requirements, or business practices. Updates become effective when posted to this page with a revised date.

Continued use of our website and materials after changes constitutes acceptance of the updated disclaimer. We recommend reviewing this page occasionally to stay informed about our legal terms.

Material changes to liability limitations or user responsibilities will be highlighted on the website for a reasonable period after implementation.

Jurisdiction and Governing Law

This disclaimer is governed by the laws of Queensland, Australia. Any disputes arising from your use of our materials or services fall under the jurisdiction of Australian courts.

Our services are provided from our Cairns location and intended primarily for Australian residents. Users from other jurisdictions access materials at their own risk and are responsible for compliance with local laws.

If any provision of this disclaimer is found unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary while the remaining provisions remain in full effect.