Terms & Conditions

By using this website and accessing any resources, templates, or educational content, you agree to the following terms:

Use of Content

- All content is for educational purposes only.
- You may use downloadable templates for personal or business use.
- Redistribution or resale is not permitted without written permission.

Intellectual Property

- All materials—including Excel templates, blog posts, and visuals—are protected by copyright.
- You may not reproduce, republish, or modify them without consent.

Accuracy & Advice
- I strive to keep content accurate and up to date, but financial and tax regulations may change.
- This site does not provide personal financial, legal or tax advice. Always consult a qualified professional for your specific situation.

Affiliate Disclosure
- Some pages may contain affiliate links. If you purchase through these links, I may earn a commission at no extra cost to you.
- I only recommend tools and services I genuinely believe in. These commissions help support the creation of free, audit-ready resources.

Privacy Commitment
- No tracking cookies or third-party ads.
- Email addresses are collected only with your consent.
- You can unsubscribe or request data deletion at any time.

Limitation of Liability
- Use of this site is at your own risk. All content is provided “as is” without warranties.
- I am not liable for any loss or damage resulting from use of the site or its resources.

Governing Law
- These terms are governed by the laws of New South Wales, Australia.

Last updated: July 2025