All materials, courses, workshops, and content provided by toravilex (ABN: 12 345 678 901) are designed exclusively for educational purposes. Our profitability analysis training programs are intended to enhance your understanding of financial concepts, business analysis techniques, and strategic thinking approaches.

The information presented should not be considered as professional financial advice, investment recommendations, or guaranteed business strategies. Every business situation is unique, and outcomes can vary significantly based on market conditions, individual circumstances, implementation approaches, and countless external factors beyond our control.

We strongly encourage all participants to consult with qualified financial advisors, accountants, or business consultants before making significant business decisions based on concepts learned through our educational programs.

toravilex makes no representations, warranties, or guarantees regarding the results you may achieve by participating in our educational programs. We do not promise specific financial outcomes, business improvements, or professional advancement opportunities.

All content is provided "as is" without any express or implied warranties, including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy, completeness, or reliability of information
• Uninterrupted access to educational materials or platforms
• Compatibility with your specific business environment or needs
• Achievement of particular learning outcomes or skill levels

Your success depends on your effort, dedication, prior knowledge, market conditions, and numerous other factors that are entirely beyond our influence or control.

To the fullest extent permitted by Australian law, toravilex, its directors, employees, contractors, and affiliated partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our educational services.

This includes, but is not limited to, damages for:

• Loss of profits, revenue, or business opportunities
• Business interruption or operational disruptions
• Loss of data, information, or educational materials
• Personal injury or emotional distress
• Third-party claims or legal disputes
• Technology failures or platform accessibility issues

In any case where liability cannot be excluded, our total liability shall not exceed the amount you paid for the specific educational service that gave rise to the claim, limited to the twelve months immediately preceding the incident.

While we strive to maintain accurate and current information, toravilex cannot guarantee that all educational content, examples, case studies, or reference materials are completely accurate, up-to-date, or applicable to your specific circumstances.

Financial markets, business regulations, tax laws, and industry practices change frequently. Information that was accurate when created may become outdated or less relevant over time. We make reasonable efforts to update content, but cannot guarantee immediate updates to all materials.

toravilex reserves the right to modify, update, or discontinue any aspect of our educational content without prior notice. We may also correct errors, inaccuracies, or omissions in our materials at any time.

toravilex's educational services do not constitute professional financial, legal, accounting, or business consulting advice. Our instructors and content creators, while experienced in their fields, are providing educational information rather than personalized professional guidance.

You should not rely solely on our educational content when making important business decisions. Instead, consider our programs as one component of your broader learning and decision-making process.

Our educational materials may reference or link to third-party websites, resources, tools, or content for additional learning opportunities. toravilex does not endorse, control, or assume responsibility for any third-party content, services, or websites.

These references are provided purely for educational convenience and do not imply our approval of their content, accuracy, or business practices. You access third-party resources at your own risk and subject to their terms and conditions.

toravilex is not responsible for any damages, losses, or issues arising from your use of third-party resources, whether recommended during our programs or included in our educational materials.

This disclaimer and all matters relating to your use of toravilex's educational services are governed by the laws of New South Wales, Australia, without regard to conflict of law principles.

Any disputes arising from or relating to our educational services, this disclaimer, or your participation in our programs shall be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

If any provision of this disclaimer is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be replaced with an enforceable provision that most closely reflects the original intent.