Website Disclaimer
Contents
This disclaimer applies to all content, tools, resources, and information published on the Money Skills Studio website (the Website), including blog posts, social content republished on the Website, free downloadable resources, interactive tools, and any other material made available to visitors.
By accessing or using any part of this Website, you acknowledge that you have read and understood this disclaimer and agree to be bound by it. If you do not agree, please do not use this Website.
This disclaimer does not apply to the delivery of paid coaching services. Those are governed by our Terms of Service. This disclaimer does not override any rights you have under the Australian Consumer Law.
All content published on this Website is provided for general informational and educational purposes only. It is not intended to be, and must not be relied upon as, a substitute for professional advice tailored to your specific circumstances.
Nothing on this Website constitutes:
- financial product advice or personal financial advice of any kind
- legal advice regarding employment, contracts, or any other matter
- psychological, therapeutic, or mental health advice or treatment
- accounting or tax advice
- career counselling as provided by a regulated professional
- a guarantee of any outcome, result, or performance
Before making any financial, legal, career, or other significant decision, you should seek advice from a qualified professional who can assess your individual circumstances.
3.1 What general financial education means
General financial education provides frameworks, concepts, and information that may be useful to a broad audience. It does not take into account your personal financial situation, objectives, needs, tax position, or risk tolerance. What is appropriate for one person may not be appropriate for another.
3.2 What you should do
Before acting on any financial information published on this Website, you should consider whether it is appropriate for your personal circumstances and seek advice from a licensed financial adviser, accountant, or mortgage broker as appropriate. A financial adviser who holds an AFSL can provide personal financial advice based on your specific situation in a way that MSS cannot.
3.3 Specific content that is not advice
Without limiting the above, the following types of content published on this Website are general education only and must not be relied upon as personal advice:
- budgeting frameworks and cash flow management approaches
- superannuation information including contributions, fees, and fund comparisons
- debt reduction strategies including comparisons of repayment approaches
- first home buyer information including deposit targets, government schemes, and borrowing concepts
- HECS/HELP debt information and repayment scenarios
- savings goal calculations and timelines
- information about insurance types and general coverage concepts
- investment concepts and general market information
3.4 Past results and examples
Any examples, case studies, or results referenced on this Website are illustrative only. They are based on specific individual circumstances and do not represent typical results. Past performance or outcomes are not indicative of future results. Your outcomes will depend on your individual circumstances, decisions, and actions.
This Website may feature testimonials, case studies, and client outcomes from people who have used MSS coaching services. The following applies to all such content.
Testimonials reflect the individual experiences of specific clients at a specific point in time. They are not typical results. Individual outcomes depend on a wide range of personal factors including, but not limited to, the client's effort, preparation, engagement with coaching, personal circumstances, the employment market at the time, employer decisions, and factors entirely outside MSS's knowledge or control.
Where a specific financial or career outcome is referenced in a testimonial (for example, a salary increase or a number of job offers received), that outcome reflects that individual's experience only. MSS makes no representation that you will achieve the same or a similar result. The same coaching engagement can produce materially different outcomes for different people.
Testimonials are published with the consent of the individuals concerned. They have not been altered in substance, though they may have been edited for length or clarity.
Interview coaching is not a regulated profession in Australia. Content published on this Website relating to interview preparation, career narratives, job applications, and workplace communication is provided as general guidance only.
MSS does not guarantee that following any advice, framework, or approach described on this Website will result in you securing an interview, receiving a job offer, or achieving any specific career outcome. Employment decisions are made by employers and are subject to many factors outside MSS's knowledge or control.
MSS provides a range of free and paid digital tools on this Website, including the Spending Snapshot, HECS Options Calculator, Interview Answer Builder, Money Map Pro, and First Home Scenario Runner. The following applies to all tools.
6.1 Outputs are illustrative
Outputs generated by MSS tools are based solely on the information you enter and the assumptions built into the tool. They are illustrative only and do not constitute financial advice, tax advice, legal advice, or any other form of professional advice. Tool outputs should not be the sole basis for any financial or career decision.
6.2 Accuracy of inputs
The accuracy of any tool output depends entirely on the accuracy of the information you enter. MSS is not responsible for outputs generated from inaccurate, incomplete, or estimated inputs.
6.3 Data entered into tools
Data you enter into MSS tools during a session is processed locally in your browser where possible and is not automatically transmitted to or stored by MSS unless you actively save or export your results. If your browser session ends unexpectedly, data entered but not saved may be lost. You should not enter information into any MSS tool that you are not comfortable potentially losing if the session ends. MSS is not liable for any loss of data entered into a tool during a session. Where you do save or export data, that information is handled in accordance with our Privacy Policy.
6.4 No warranty on tool performance
MSS takes reasonable care in building and maintaining its digital tools. However, MSS does not warrant that any tool will be error-free, uninterrupted, or suitable for any particular purpose. Tools are provided on an "as is" basis. MSS is not liable for any loss or damage arising from your reliance on tool outputs.
6.5 Tools are not a substitute for professional advice
No MSS tool replaces the advice of a qualified professional. In particular, the Money Map Pro and First Home Scenario Runner tools are financial education aids. They are not substitutes for advice from a licensed financial adviser or mortgage broker.
This Website may contain links to external websites operated by third parties, including government agencies, professional associations, referral partners, and other organisations. These links are provided for convenience and reference only.
MSS does not control, endorse, or accept responsibility for the content, privacy practices, or accuracy of any external website. The inclusion of a link does not imply that MSS has verified or recommends the content or services of that site. You access external websites at your own risk and subject to the terms and conditions of those sites.
7.1 Referral partner links
This Website may contain links to businesses with whom MSS has, or may in the future have, a referral relationship, including licensed financial advisers, mortgage brokers, and accountants. The inclusion of any such link does not constitute an endorsement of that business or its services, and does not mean that MSS has assessed whether that business is suitable for your specific needs.
MSS does not currently receive financial compensation for referrals. If this changes, any paid referral arrangement will be disclosed clearly on the relevant page. A referral relationship alone does not affect the independence of MSS's content or recommendations.
You should conduct your own due diligence before engaging any third-party professional, regardless of whether they were referred by MSS.
This disclaimer applies not only to content published on this Website but also to all content published by MSS across its social media channels, including Instagram, LinkedIn, TikTok, and Facebook (collectively, MSS Social Media).
All content published on MSS Social Media is subject to the same limitations set out in this disclaimer. In particular:
- social media posts, reels, videos, carousels, and stories containing financial information are general financial education only and do not constitute personal financial advice
- interview tips, frameworks, and career guidance published on social media are general guidance only and do not guarantee any employment outcome
- client results, testimonials, and case studies shared on social media reflect individual experiences and are not typical results
- tool demonstrations and screen recordings are illustrative only and outputs shown are based on example data, not real client information
MSS does not control the platforms on which its social media content is published. Social media platforms have their own terms of service, content policies, and privacy practices, which apply independently of this disclaimer. MSS is not responsible for the actions of those platforms, including changes to content visibility, algorithm decisions, or account restrictions.
Comments, replies, and messages sent to MSS via social media are not secure communications and should not contain sensitive personal or financial information.
MSS takes reasonable care to ensure that content published on this Website is accurate and current at the time of publication. However, laws, regulations, financial conditions, and employment markets change. MSS does not warrant that any content on this Website is accurate, complete, or up to date at the time you read it.
Content on this Website reflects the views and general knowledge of MSS at the time of writing. It does not reflect changes in law, regulation, or market conditions that may have occurred after publication. You should always verify important information with an authoritative source or qualified professional before acting on it.
MSS reserves the right to add, amend, or remove content from this Website at any time without notice.
10.1 Exclusion of liability
To the maximum extent permitted by law, MSS excludes all liability for any loss or damage of any kind arising directly or indirectly from your use of, or reliance on, any content, tool, resource, or information on this Website or MSS Social Media, including:
- loss of income, profit, or employment opportunity
- financial loss arising from decisions made in reliance on Website content or tool outputs
- loss of data or system damage arising from use of the Website or its tools
- any indirect, consequential, incidental, or special loss or damage
10.2 No liability for third-party content
MSS is not liable for the content, accuracy, or availability of any external website linked from this Website, or for any loss or damage arising from your use of those sites.
10.3 No liability for tool outputs
MSS is not liable for any financial or other decision made in reliance on the output of any MSS digital tool. Tool outputs are illustrative only. See Section 6.
10.4 Website availability
MSS does not warrant that this Website will be available at all times, free from errors or viruses, or that defects will be corrected. Access to the Website may be interrupted or restricted at any time without notice.
All content on this Website, including text, graphics, logos, tool interfaces, downloadable resources, frameworks, and course materials, is the intellectual property of Money Skills Studio unless otherwise stated. All rights are reserved.
You may view and print content from this Website for your own personal, non-commercial use. You must not reproduce, republish, distribute, sell, modify, or create derivative works from any content on this Website without the prior written consent of MSS.
Sharing links to this Website is permitted and encouraged. Reproducing or reposting the content itself without attribution and consent is not.
11.1 Automated collection and AI training
You must not use any automated tool, script, bot, crawler, or scraper to access, collect, copy, or index content from this Website without the prior written consent of MSS. You must not use any content from this Website, including tool interfaces, frameworks, written content, or educational materials, to train, fine-tune, or otherwise develop any artificial intelligence or machine learning model without the prior written consent of MSS. Unauthorised automated collection or use of Website content for AI training purposes constitutes an infringement of MSS's intellectual property rights.
This disclaimer is governed by the laws of Western Australia, Australia. Any dispute arising in connection with this disclaimer or your use of this Website is subject to the non-exclusive jurisdiction of the courts of Western Australia.
This Website is operated from Western Australia. MSS makes no representation that the content on this Website is appropriate for or complies with the laws of any jurisdiction outside Australia. If you access this Website from outside Australia, you do so at your own risk and are responsible for compliance with any applicable local laws.
12.1 Version control
This disclaimer supersedes all previous versions. The effective date at the top of this page indicates when the current version took effect. MSS reserves the right to update this disclaimer at any time. The version in effect at the time you access or use this Website is the version that applies to you. We recommend reviewing this page periodically.
Questions about this disclaimer can be directed to admin@moneyskillsstudio.com.au.