General notice

The content on this website is provided for general informational purposes. It describes concepts, behaviours, and practical considerations relating to money decisions. It is not a substitute for advice tailored to a person's objectives, financial position, needs, or legal circumstances. The user remains responsible for assessing the relevance of information before acting.

Liability limitations

The following limitations apply to the extent permitted by applicable law and do not remove mandatory consumer protections.

• The Company is not responsible for losses arising from reliance on general information where the user has not obtained advice suited to the user's circumstances.
• The Company does not accept responsibility for interruptions, technical faults, unavailable content, or events outside its reasonable control.
• Examples are illustrative only and do not predict a particular financial, personal, or behavioural outcome. Results may vary between individuals and circumstances.
• Nothing in this disclaimer excludes or limits liability where exclusion or limitation is prohibited by applicable law.

Information accuracy

The Company aims to present information that is clear, current, and relevant to general financial habits and money psychology. However, materials may contain errors, omissions, or information that becomes outdated. No representation is made that every statement is complete, accurate, or suitable for a particular purpose.

Professional advice

The website cannot assess the user's complete circumstances or provide an individual recommendation. Users should seek advice from a suitably qualified professional before making decisions involving substantial commitments or regulated matters.

External links

The website may refer to third-party websites or resources for convenience. The Company does not control their content, availability, privacy practices, fees, or terms. A reference does not constitute endorsement or confirmation of accuracy.

No promise of outcomes

Descriptions of possible benefits, habit changes, or improved awareness are illustrative. They do not represent a promise, forecast, or assurance of a particular outcome. Individual results depend on circumstances, decisions, timing, and factors outside the Company's control.

Financial information notice

The website discusses general financial habits, decision-making, and money psychology. Its materials are informational and are not prepared for a specific person's circumstances.

• The materials do not constitute personal financial advice, investment advice, credit advice, tax advice, legal advice, or accounting advice.
• The user should consider relevant circumstances, costs, fees, interest rates, repayment terms, and applicable obligations before making a financial decision.
• Professional advice may be appropriate where a decision involves significant assets, borrowing, taxation, legal duties, or personal vulnerability.

Applicable jurisdiction

The following provisions describe the legal framework relevant to use of the website and its materials.

User responsibility

To the extent permitted by law, the user agrees to protect the Company and its personnel from claims, losses, liabilities, costs, or expenses arising from the user's misuse of the website, breach of applicable terms, or reliance on information contrary to this disclaimer. This provision does not exclude rights that cannot lawfully be excluded.

Severability

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

Updates

The Company may revise this disclaimer when website practices, applicable requirements, or published materials change. The revised version takes effect when posted on the website. The date above identifies the current version.

Contact

Questions about this disclaimer may be directed through the contact channels maintained by the Company. Contact details are provided on the website.