Thank you for visiting the Salena Kulkarni website.

This website is made available to you by Ranno Pty Ltd as trustee for Phoenix Wealth Group Trust ABN 54 411 868 770, also referred to as ‘Salena Kulkarni’, ‘we’, ‘us’ or ‘our’ in these terms. Any reference to us in these terms includes our associates, officers, employees, agents, successors and assigns.

The words ‘user’, ‘you’ or ‘your’ mean you, the visitor to our website.

The word ‘website’ means our main website https://salenakulkarni.com/

and includes our membership portal, private Facebook group, and all other digital or electronic platforms or forums we use, such as email and social media pages.

By using our website, you are agreeing to be automatically bound by this disclaimer, our terms of use https://salenakulkarni.com/terms-of-use and privacy policy https://salenakulkarni.com/privacy-policy (collectively referred to as ‘terms’).

We encourage you to carefully read and understand these terms before using our website. If you do not agree with these terms, please stop using our website.

We may update our terms from time to time and the new provisions will apply from the date they are updated. We have included a ‘last updated’ date at the top of these terms to help you keep track of any changes.

Financial Advice Disclaimer

It is important that you understand we are NOT providing any financial advice on this website (to be clear, this includes our membership portal and Facebook group). All information you find on this website isfor general educational and entertainment purposes only and was not created with your personal circumstances in mind.

You must not rely on any information found on this website as our recommendation of specific investment options. Nothing on our website is intended to influence your decisions about any financial product. If you make any investment or other financial decisions based on what you see from our website, you remain solely responsible for those decisions.

We strongly encourage you to do your own independent research, consider your own personal circumstances, and seek professional tailored financial advice before making any financial and or investment decisions. If you wish to obtain financial services or advice from us, please contact us and see what program options are available to you.

Any example or information on past performance presented to you is NOT a guarantee of future return and is not indicative of future performance. Keep in mind that investing involves risks. The value of your investment will fluctuate over time, and you may gain or lose money.

General Disclaimer

Anything contained on our website is provided “as is” without warranty or condition of any kind. You acknowledge and agree that you use our website at your own risk.

While every care is taken, we make no representations about the suitability, reliability, availability, timeliness, completeness and accuracy of anything contained on our website for any purpose, to the maximum extent permitted by applicable law.

Our website content may include inaccuracies or typographical errors. Changes are periodically made to the information on our website.

We make reasonable efforts to maintain the security of our website. However, we do not guarantee the security of our website or your content. We do not accept any liability for any computer virus or technological problems arising from your use of our website that we do not intentionally cause or that are beyond our control. You are encouraged to install and maintain up-to-date security software on your devices.

Continuous accessibility to our website is dependent upon third party services. As a result, the website may be inaccessible from time to time.

External Links Disclaimer

Our website contains links to third-party websites such as telecommunication services to host video meetings (linked sites). Please be aware that these linked sites are not under our control, and we are not responsible for the content of a linked site. We are also not responsible for any form of transmission you receive from any linked site.

We strongly encourage you to read the terms and conditions and privacy policies of all third-party sites that you visit.

Where we use third-party providers to make our materials available to you, you may be required to agree to the terms and conditions of that third-party provider to access those materials.

The inclusion of any linked sites on our website does not imply that we recommend or endorse those sites or the products or service available on those sites.

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