Financial Disclaimer

Wisdom to Wealth provides financial management tools, educational information and general guidance designed to help users organise, understand and manage their finances.

Wisdom to Wealth does not provide personalised financial, investment, tax, accounting or legal advice.

Information provided through the platform should not be treated as a substitute for professional advice that considers your individual circumstances.

Information, calculations, reports, educational material, AI-generated responses and other content provided by Wisdom to Wealth are general in nature.

They do not take into account all of a user's:

• Personal circumstances
• Financial objectives
• Financial situation
• Risk tolerance
• Tax position
• Legal circumstances
• Investment objectives

Users should consider whether information is appropriate for their circumstances. Where appropriate, users should seek advice from a suitably qualified professional.

The Wisdom to Wealth AI Financial Coach uses artificial intelligence to provide general educational information, explanations, observations and financial-management suggestions.

AI-generated responses:

• May contain errors
• May be incomplete
• May misunderstand information
• May not reflect current laws, tax rules, regulations or market conditions
• Should be independently checked before important financial decisions

The AI Financial Coach is not a licensed financial adviser. AI-generated recommendations are not guaranteed to be suitable for the customer. For significant financial decisions, users should consider obtaining appropriate professional advice.

Wisdom to Wealth includes scripture, biblical principles, reflections, prayers and faith-based financial education. This material is provided for:

• Education
• Reflection
• Personal development
• Faith-based financial stewardship

Biblical content does not constitute professional financial advice. Wisdom to Wealth does not guarantee that following biblical principles or application guidance will result in:

• Wealth
• Increased income
• Investment returns
• Debt elimination
• Business success
• Financial independence
• Any particular financial outcome

Financial circumstances differ between individuals and families.

Calculations produced by Wisdom to Wealth are based on information entered by the user and the assumptions and programming used by the relevant tool. This includes, where applicable:

• Budgets
• Cash-flow calculations
• Savings projections
• Debt calculations
• Net-worth calculations
• Financial-health indicators
• Business calculations
• Profit & Loss reports
• Forecasts
• Tax estimates
• Planner calculations

Results may be estimates. Customers should verify important figures independently before relying on them for significant financial, tax, legal or business decisions.

Any tax calculation or tax estimate provided by Wisdom to Wealth is for general informational and planning purposes only.

It is not:

• A tax return
• Tax advice
• An official assessment
• A guarantee of tax payable
• A substitute for advice from a registered tax professional

Actual tax obligations may depend on circumstances not captured by Wisdom to Wealth. Tax laws, rates, thresholds and rules may change. Users should verify tax information with the relevant government authority or a qualified tax professional before making decisions.

Profit & Loss statements, cash-flow reports, invoices, business analytics, tax estimates, supplier information, customer information and business reports are management tools.

They should not automatically be treated as:

• Audited financial statements
• Accountant-certified records
• Tax returns
• Legal documents
• Professional accounting advice

unless explicitly stated otherwise. Business users remain responsible for maintaining records required under applicable laws and regulations.

Investment tracking, calculations or educational information provided through Wisdom to Wealth does not constitute:

• Investment advice
• Securities recommendations
• Buy recommendations
• Sell recommendations
• Hold recommendations
• Portfolio management
• Investment research specifically prepared for the individual user

Wisdom to Wealth does not guarantee investment performance. Past performance, where referenced, does not guarantee future results. Investment values can rise or fall and users should consider obtaining professional advice before making investment decisions.

Debt tracking, repayment calculations and educational strategies are provided as general financial-management tools. Wisdom to Wealth does not negotiate with creditors or lenders unless a separate service explicitly states otherwise.

Users experiencing serious financial difficulty should consider obtaining appropriate professional assistance.

Any Financial Health Score displayed by Wisdom to Wealth is an internal educational and analytical indicator based on application data and methodology.

It is not:

• A credit score
• A credit rating
• A lending decision
• A formal financial assessment
• A guarantee of financial health

Banks, lenders, credit bureaus and financial institutions may use completely different criteria.

Financial planners generated by the Wisdom to Wealth Smart Planner™ are organisational and educational tools. The contents are based partly on information selected or entered by the user. A generated planner does not constitute personalised professional financial advice.

Reports depend on the accuracy and completeness of information recorded in Wisdom to Wealth. Incorrect, incomplete, outdated or missing customer information may produce inaccurate reports.

Users should verify important reports before using them for external financial, tax, lending, accounting or business purposes.

Customers are responsible for ensuring information they enter is accurate and current. Wisdom to Wealth cannot guarantee accurate outputs when input data is:

• Incorrect
• Incomplete
• Outdated
• Duplicated
• Misclassified

Wisdom to Wealth does not promise or guarantee:

• Increased wealth
• Increased income
• Investment returns
• Savings results
• Debt reduction
• Business profitability
• Tax savings
• Financial independence
• Improved credit
• Any particular financial outcome

Financial outcomes depend on many factors outside the control of Wisdom to Wealth.

Wisdom to Wealth may rely on or integrate with third-party technology and services. Third-party information and services may have their own terms, limitations and privacy practices.

Customers should consider consulting an appropriately qualified professional for matters requiring personalised advice. Depending on the issue, this may include:

• Licensed financial adviser
• Registered tax professional
• Accountant
• Lawyer
• Credit or debt professional
• Other appropriately qualified professional

Wisdom to Wealth does not endorse a specific provider.

Nothing in this Financial Disclaimer is intended to exclude, restrict or modify rights or remedies that cannot lawfully be excluded under applicable Australian consumer law.

This Financial Disclaimer uses balanced wording consistent with applicable Australian law. Wisdom to Wealth does not attempt to contract out of legal obligations that cannot lawfully be excluded.

Questions about this Financial Disclaimer? Contact Wisdom to Wealth Support:

Please use our Contact & Support page to reach us.