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This Disclaimer governs the use of romeonruapeheamlani.sbs and all content published on it by Romeonruapeheamlani (the Company). By accessing or using this platform, the user acknowledges and accepts the terms set out in this Disclaimer in full. If the user does not accept these terms, they should discontinue use of the platform immediately.

Important Notice

All content on this platform is intended for educational and informational purposes only.

Nothing on this platform constitutes financial, investment, legal, or professional advice of any kind. Users should seek independent professional counsel before making any financial decisions.

General Notice

All content published on romeonruapeheamlani.sbs, including articles, methodology descriptions, analytical frameworks, research summaries, and any other written or visual material, is provided strictly for informational and educational purposes. The Company does not represent that any content on this platform is suitable for any particular purpose, and the user assumes full responsibility for how they interpret and apply the information presented here.

Limitations of Liability

To the fullest extent permitted by applicable Australian law, the Company excludes all liability for any loss or damage arising from the user's reliance on content published on this platform, including but not limited to the following circumstances:

— Direct or indirect financial loss arising from decisions made on the basis of content accessed through romeonruapeheamlani.sbs, regardless of whether such decisions relate to asset allocation, return modelling, or risk attribution.
— Loss of data, loss of profits, or any consequential or incidental loss sustained by the user or any third party in connection with access to or use of the platform's content.
— Technical interruptions, platform downtime, data transmission errors, or any failure of the platform to function as expected due to circumstances within or beyond the Company's control.
— Errors, omissions, or inaccuracies in any content published on the platform, including methodology descriptions, model specifications, or analytical commentary, that the user relies upon to their detriment.

Content Accuracy and Currency

The Company makes reasonable efforts to ensure that the content published on romeonruapeheamlani.sbs is accurate and reflects current academic and practitioner understanding of latent variable return models and associated quantitative methods. However, the Company does not warrant that all content is free from error, complete, or fully up to date at any given time. The field of quantitative finance evolves continuously, and content that was accurate at the time of publication may become superseded by subsequent research or regulatory developments.

Users are advised to verify any methodological or analytical content independently before applying it in an institutional or professional context, and to consult qualified professionals as appropriate.

No Professional Advice

Nothing contained on romeonruapeheamlani.sbs constitutes financial advice, investment advice, legal advice, accounting advice, or any other form of regulated professional advice. The Company is not a licensed financial adviser, and no content on this platform should be construed as a recommendation to acquire, hold, or dispose of any financial product or instrument. Users requiring professional advice should consult a suitably qualified and licensed adviser.

External Links

Romeonruapeheamlani.com may contain links to third-party websites or resources for the convenience of users. The Company does not endorse, control, or accept responsibility for the content, accuracy, or practices of any third-party site. The inclusion of a link to an external resource does not imply any association between the Company and the operators of that resource. Users access external links at their own risk and should review the terms and policies of any third-party site they visit.

No Guarantee of Analytical Results

The Company does not represent that the application of any methodology, model, or analytical framework described on this platform will produce any particular outcome when applied to real asset return data. All models involve assumptions, and the results produced by any estimation technique will vary depending on the data used, the specification choices made, and the conditions prevailing in the relevant markets.

Variation in Analytical Outcomes

Users should be aware that latent variable models and factor extraction techniques are sensitive to specification decisions, data quality, and the time period under analysis. Outcomes observed in one analytical context may differ substantially when the same methods are applied to different datasets or time horizons. Past model behaviour does not indicate or guarantee future analytical performance or the reliability of results in new applications.

No Financial Product or Service Offered

The Company does not offer, promote, sell, or facilitate access to any financial product, managed investment scheme, or financial service through this platform. In particular, the Company does not:

— Provide personalised financial advice or recommendations regarding any specific financial product, security, or asset class, whether directly or through the content published on this platform.
— Manage funds, accept deposits, or act as an intermediary between users and any financial market, financial institution, or investment vehicle of any kind.
— Represent that any content on this platform is approved or authorised by the Australian Securities and Investments Commission or any other regulatory authority in Australia or elsewhere.

Jurisdiction and Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the State of New South Wales, Australia. Any dispute arising from or in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the courts of that State.

Users who access romeonruapeheamlani.sbs from outside Australia do so on their own initiative and are solely responsible for ensuring that their use of the platform complies with all laws and regulations applicable in their own jurisdiction. The Company makes no representation that the content on this platform is appropriate or lawful for use in jurisdictions other than Australia.

This platform operates under and complies with applicable Australian federal and state legislation, including the Privacy Act 1988 (Cth) and the Australian Consumer Law as contained in the Competition and Consumer Act 2010 (Cth).

Users located outside Australia are responsible for independently assessing whether their access to and use of this platform is permitted under the laws of their own jurisdiction.

Indemnification

The user agrees to indemnify, defend, and hold harmless the Company, its directors, officers, employees, and affiliates from and against any claims, liabilities, losses, damages, and expenses, including reasonable legal costs, arising from the user's access to or use of romeonruapeheamlani.sbs, breach of this Disclaimer, or violation of any applicable law or regulation in connection with such use.

Severability

If any provision of this Disclaimer is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from the Disclaimer if modification is not possible. The remaining provisions of this Disclaimer shall continue in full force and effect and shall not be affected by the severance of any invalid provision.

Modifications

The Company reserves the right to amend, update, or replace this Disclaimer at any time without prior notice to users. The revised Disclaimer will be published on romeonruapeheamlani.sbs with an updated effective date. Continued use of the platform following the publication of any amendment constitutes acceptance of the revised terms by the user. Users are encouraged to review this Disclaimer periodically to remain informed of its current terms.

Effective Date of This Disclaimer: This Disclaimer is effective as of October 15, 2026.

Date This Disclaimer Was Last Updated: This Disclaimer was last updated on October 15, 2026.