Important information and limitations

General notice

The website provides general informational material concerning financial habits, money psychology, and related decision-making topics. Content is not prepared for the circumstances of any particular user and must not be treated as a substitute for advice from a suitably qualified professional. The Company does not assess a user’s goals, financial position, needs, obligations, or tolerance for uncertainty. Users remain responsible for evaluating information, checking relevant terms, and obtaining independent advice where appropriate. Results may vary, and past performance does not predict future outcomes.

Liability limitations

The following limitations apply to the fullest extent permitted by applicable law and are subject to non-excludable user protections.

The Company is not responsible for losses arising from reliance on information that is incomplete, inaccurate, outdated, or unsuitable for the user’s circumstances, except where liability cannot lawfully be excluded.
The Company does not accept responsibility for interruptions, technical failures, malicious activity, or other events affecting access to the website or its content.
The Company is not responsible for the content, conduct, availability, security, or privacy practices of external websites or services referenced through the website.
Nothing in this disclaimer excludes, restricts, or modifies a right, guarantee, condition, or remedy that applicable law requires to remain available to the user.

Information accuracy

The Company aims to present information that is clear, current, and appropriate for general discussion. However, materials may contain omissions, errors, outdated references, or interpretations that do not reflect every relevant circumstance. The Company does not represent that all content is complete, accurate, or suitable for a particular purpose. Information should be reviewed alongside independent sources before a decision is made.

Information is provided on an as-is basis and may change without notice. No representation is made that content is complete or current.

Professional advice

A suitably qualified financial, legal, tax, or other professional should be consulted where a decision depends on personal circumstances, regulated advice, current product terms, or consequences not addressed by general information.

External sources

The website may contain references or links to external websites, publications, tools, or services. The Company does not control those resources and does not endorse their content, availability, security, accuracy, or privacy practices. Accessing an external resource is undertaken at the user’s discretion. External terms and privacy notices may apply separately.

No outcome representation

Examples and general explanations do not establish likely, typical, or expected personal outcomes. Results may vary according to circumstances, assumptions, timing, costs, conduct, and external conditions.

Outcomes can differ

Past performance, historical examples, or previously observed patterns do not predict future outcomes. No statement on the website should be understood as a promise concerning financial results, suitability, approval, or availability.

Financial information limits

Financial information is general in nature and does not account for a person’s objectives, financial situation, needs, obligations, or risk tolerance.

Content does not constitute personal financial advice, investment advice, credit advice, tax advice, or a recommendation to acquire, retain, or dispose of any financial product.

Examples, explanations, and references to financial concepts are illustrative only. They do not predict outcomes or establish that a particular choice is suitable for any person.

Fees, APR rates, repayment terms, eligibility conditions, and other details should be confirmed with the relevant provider and reviewed against current documentation before action.

Jurisdiction and law

The website is operated for users who access it from Australia and may also be viewed elsewhere.

Users accessing the website from another jurisdiction are responsible for determining whether the content is lawful and appropriate under local requirements. The Company makes no representation that materials satisfy every rule applying outside Australia.

The disclaimer is interpreted under applicable Australian law, subject to any mandatory rights or protections that cannot legally be excluded.

Users should consider applicable Australian requirements and obtain independent professional advice where financial, legal, tax, or other regulated issues arise.

User responsibility

To the extent permitted by law, the user remains responsible for decisions, actions, omissions, and consequences arising from reliance on website content. The user should take reasonable steps to verify information and obtain suitable professional input before proceeding.

Severability

If any provision of this disclaimer is found to be invalid, unlawful, or unenforceable, that provision will be read down or removed to the extent necessary. The remaining provisions will continue to operate subject to applicable law.

Changes

The Company may revise this disclaimer when website content, legal requirements, or operating practices change. The revised version will be published on this page with an updated date. Continued use of the website after publication may indicate acknowledgement of the revised terms, subject to applicable law.

Disclaimer