Disclaimer

This Disclaimer applies to all information published on the Capital Unique website at capitalunique.com (the “Site”), operated by Capital Unique (ABN 54 695 032 243, ACN 695 032 243). Please read it carefully. Your use of the Site is also subject to our Terms of Use and Privacy Policy.

1. General information only — not advice

The information on the Site is provided for general informational purposes only. It is not, and is not intended to be, personal financial advice, credit advice, legal advice, tax advice, or any other form of professional advice. It does not take into account your personal objectives, financial situation, or particular needs.

You should not act on any information published on the Site without first considering its appropriateness to your circumstances, and where relevant, obtaining advice from a qualified professional advisor.

2. Capital Unique is not a licensed credit provider

Capital Unique does not hold an Australian Credit Licence and does not provide consumer credit, credit assistance, or services regulated under the National Consumer Credit Protection Act 2009 (Cth). Our services are limited to wholesale, commercial, and business-purpose scenarios that are not regulated under the NCCP Act.

Capital Unique does not hold an Australian Financial Services Licence and does not provide financial product advice or financial services within the meaning of the Corporations Act 2001 (Cth). Where we discuss capital structures, lending, or investment scenarios, this is general commentary only.

3. Not an offer or solicitation

Nothing on the Site constitutes an offer or solicitation to lend, to borrow, to invest, to subscribe for any financial product, or to enter into any transaction with Capital Unique or any other party. Any such engagement arises only through a separate, written agreement entered into directly with us.

4. Past outcomes do not predict future results

Any reference on the Site to past transactions, sectors served, scenarios funded, or outcomes achieved is included to illustrate the nature and scope of our work. It is not a guarantee, prediction, or indication of any future outcome. Capital decisions involve risk, and outcomes depend on circumstances specific to each scenario.

5. Calculators and tools

Any calculators, tools, or worked examples published on the Site are provided for illustrative purposes only. They use simplified assumptions and do not account for the full set of factors that would be considered in an actual capital arrangement. Outputs from these tools should not be relied upon as a basis for any commercial decision. For decisions specific to your circumstances, contact us directly.

6. Testimonials

Testimonials displayed on the Site are statements provided by third parties about their experience working with Capital Unique. They appear as provided, edited only for clarity and length where necessary. Capital Unique does not pay for testimonials, and the people quoted are not affiliated with Capital Unique beyond their stated role.

Each engagement is unique. The experiences described in testimonials are individual and may not be representative of the experience you can expect. Past experiences described do not guarantee or predict any particular outcome for your scenario.

7. Articles, guides, and commentary

Articles, guides, and other written commentary on the Site reflect the views and opinions of the author at the time of publication. They are not legal, tax, or financial advice, and they may become out of date as markets, regulation, and circumstances change. We do not undertake to update articles or commentary after their publication date.

8. External links

The Site may contain links to websites operated by third parties (for example, ASIC, the OAIC, or industry bodies). These links are provided for convenience and information only. We do not endorse, control, or accept responsibility for the content, privacy practices, or availability of any external website. You access them at your own risk.

9. Charles A.I and other tools

Tools made available on or through the Site — including Charles A.I — are provided to help you organise and articulate your scenario. They are not a substitute for personal advice, and their outputs do not constitute a recommendation or assessment by Capital Unique. Direct engagement with our team is required for any actual scenario consideration.

10. Accuracy and currency

We take reasonable care to ensure that information on the Site is accurate at the time of publication. However, we make no warranty as to its accuracy, completeness, or currency. Information may change without notice, and we are not obliged to update it. Where regulatory, commercial, or market conditions change, content on the Site may not reflect the current position.

11. Liability

To the maximum extent permitted by law, Capital Unique excludes all liability for any loss or damage (including indirect or consequential loss) arising out of reliance on any information on the Site. See our Terms of Use for the full liability framework.

12. Contact

If you have any questions about this Disclaimer, or about the appropriateness of anything published on the Site to your circumstances, please contact us before acting on it:

• Capital Unique
  Office: Level 26, 1 Bligh Street, Sydney NSW 2000
  Postal: PO Box 984, Gosford NSW 2250
  Phone: 1300 889 789
  Email: hello@capitalunique.com