Disclaimer
Disclaimer
Last updated: September 2026
The information, resources, products and services provided by Budget Right are intended to provide practical financial education and general information.
This Disclaimer applies to the Budget Right website, books, digital resources, downloads, workshops, coaching services, educational programs and other content or services provided by Budget Right.
Financial education and general information
Budget Right provides financial education and general information only.
Budget Right does not provide personal financial advice or financial product advice and does not recommend specific financial products.
Nothing on this website or in our books, resources, workshops, coaching sessions, educational programs, emails, social media content or other communications should be regarded as personal financial advice, financial product advice, legal advice, accounting advice, taxation advice or credit advice.
The information we provide is educational in nature and may include topics such as:
- budgeting and cash flow
- spending and saving habits
- money mindset and behaviours
- organising and understanding expenses
- setting financial goals
- general debt organisation and repayment concepts
- practical money management strategies.
Information provided by Budget Right does not take into account all of your personal circumstances, financial situation, objectives or needs.
You are responsible for deciding whether information provided by Budget Right is appropriate for your circumstances.
Where appropriate, you should undertake your own research and seek advice from a suitably qualified professional before making financial, legal, taxation, accounting, credit or other significant decisions.
Coaching and workshops
Budget Right coaching sessions and workshops are educational services.
During a coaching session or workshop, we may discuss information you provide about your income, expenses, budgeting, spending, saving, debt organisation, goals, habits or money mindset to help you understand and apply budgeting and money-management concepts.
This does not mean that Budget Right is providing personal financial advice or recommending a particular financial product or course of financial action.
You remain responsible for your financial decisions and for determining whether you need advice from an appropriately qualified professional.
Budget Right relies on the information you choose to provide. We are not responsible for decisions based on information that is incomplete, inaccurate or not disclosed to us.
Results and examples
Budget Right aims to provide practical tools, education and strategies that can help people improve the way they understand and manage their money.
However, everyone’s circumstances are different.
We do not guarantee that using Budget Right information, products, resources, coaching or workshops will result in a particular financial outcome, level of savings, reduction in debt or other result.
Examples, personal stories, calculations, scenarios and case studies are provided for educational or illustrative purposes. They should not be interpreted as a promise or guarantee that you will achieve the same or similar results.
Your outcomes may be affected by factors including your income, expenses, debts, personal circumstances, decisions, behaviours and events outside Budget Right’s control.
Accuracy and currency of information
We make reasonable efforts to provide useful and accurate information. However, financial rules, costs, products, services, laws and other circumstances can change over time.
We do not guarantee that all information will always be complete, current or suitable for every person or situation.
Where information is particularly important to a decision you are making, you should verify that information independently and obtain professional advice where appropriate.
Calculators, spreadsheets and educational tools
Budget Right may provide spreadsheets, calculators, planners, worksheets, templates and other tools to assist with budgeting and money management.
These tools are provided for educational and organisational purposes.
Any calculations, estimates or projections produced by these tools depend on the information entered and the assumptions used. They should not be treated as a guarantee of a particular result or as a substitute for professional advice where professional advice is required.
You are responsible for checking information and calculations before relying on them to make decisions.
Third-party products, services and websites
Our website and educational materials may contain links or references to third-party websites, organisations, products, services or resources.
These are provided for information or convenience and do not necessarily constitute an endorsement or recommendation by Budget Right.
Budget Right does not control third-party websites or services and is not responsible for their content, availability, security, terms, privacy practices, products or services.
If you choose to enter into an agreement with a third party, you are responsible for reviewing the relevant terms and understanding any fees, charges, cancellation requirements or other consequences before making changes.
Website availability
We take reasonable steps to maintain the Budget Right website and keep it available and secure.
However, we cannot guarantee uninterrupted access or that the website will always be free from errors, technical problems, viruses or other harmful components.
Access may occasionally be interrupted for maintenance, updates, technical issues or circumstances outside our control.
Intellectual property
Unless otherwise stated, the content and materials created by Budget Right, including written content, educational materials, worksheets, resources, graphics and other original material, are owned by or licensed to Budget Right and are protected by applicable intellectual property laws.
You may use Budget Right materials for their intended personal or authorised educational purpose.
You must not reproduce, distribute, sell, publish or commercially exploit Budget Right materials without permission unless permitted by law or expressly authorised by Budget Right.
Limitation of liability
To the extent permitted by law, Budget Right is not responsible for loss or damage arising from reliance on general educational information where that information has been used without considering whether it is appropriate for your individual circumstances.
Nothing in this Disclaimer excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded or limited, including rights that may apply under the Australian Consumer Law.
Where liability cannot lawfully be excluded, this Disclaimer will operate only to the extent permitted by law.
Relationship with our Terms and Conditions
This Disclaimer should be read together with our Terms and Conditions, Privacy Policy, Cookie Policy and any specific terms applying to a Budget Right product or service.
Where you purchase a product or service from Budget Right, the applicable Terms and Conditions form part of the agreement relating to that purchase.
Changes to this Disclaimer
We may update this Disclaimer from time to time to reflect changes to our website, products, services or legal obligations.
The current version will be published on the Budget Right website, and the Last updated date at the top of this page will be revised when material changes are made.
Contact us
If you have questions about this Disclaimer or Budget Right’s products or services, please contact:
Budget Right
ABN: 50 641 654 088
PO Box 1179
Carindale QLD 4152
Australia
Email: budgetrightau@gmail.com