1. No Financial Advice

• NIA provides educational material, general property market insights, and investment frameworks.
• We do not provide personal financial, legal, tax, or accounting advice.
• Examples and case studies are illustrative only and should not be relied upon as guarantees.
• Before making any investment decision, consult licensed professionals who understand your personal circumstances.

2. No Client–Advisor Relationship

• Your use of the Services does not establish a financial advisor–client relationship.
• Engagement with NIA does not replace independent professional advice.

3. User Responsibilities

• You are solely responsible for evaluating the suitability of any property or investment decision.
• You must conduct your own due diligence, including independent verification of valuations, financing, and legal implications.

4. Limitation of Liability

• NIA makes no guarantees that use of the Services will result in profits, capital gains, rental income, tax advantages, or other outcomes.
• To the maximum extent permitted by law, NIA disclaims liability for any loss, damages, or costs (direct, indirect, incidental, or consequential) arising from the use of or reliance on our Services.

5. Earnings Disclaimer

• Past performance is not a guarantee of future results.
• Property markets fluctuate due to external factors such as interest rates, economic conditions, and government policy.
• Any projections or figures presented are estimates only and not guarantees.
• You may experience losses; there is no assurance of profit.

6. Marketing Communications – Consent & Opt-Out

• You can cancel the SMS service at any time. Simply text “STOP” to the shortcode. Upon sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

7. Third-Party Links & Services

• Our Services may contain links to third-party websites or providers.
• We are not responsible for the accuracy, reliability, or privacy practices of those parties.

8. Intellectual Property

• All NIA content, reports, templates, training materials, and branding remain our intellectual property.
• No part may be reproduced or resold without our written consent.

9. Governing Law

• These Terms are governed by the laws of Australia.
• Any disputes will be handled in the courts of Victoria.