This Financial Disclaimer ("Disclaimer") governs your use of all tools, features, projections, calculators, and automated insights provided by CashedUp, operated by CashedUp Finance Pty Ltd (ABN: 98 697 853 320) ("we", "us", or "our").
Please read this Disclaimer carefully before using our software. By accessing or using the Service, you acknowledge and agree to the terms set out below.
1. No Financial Product Advice
[!IMPORTANT] General Information & Tools Only CashedUp is a personal financial tracking and budgeting software platform. We do not provide, and the Service does not constitute, financial product advice, personal advice, or general advice under the Australian Corporations Act 2001 (Cth).
The calculations, projections, visual calendars, scenario planners, and automated AI CFO insights generated by the platform are designed for general information, illustration, and educational purposes only. They do not take into account your personal objectives, financial situation, or specific needs.
2. No Australian Financial Services License (AFSL)
CashedUp Finance Pty Ltd does not hold an Australian Financial Services License (AFSL) and is not authorized to recommend or advise on specific financial products, credit products, or investments.
Nothing contained within the Service should be construed as:
- A recommendation or endorsement to buy, hold, or sell any financial product or asset class.
- Advice on whether to acquire, alter, or dispose of specific credit, mortgage, superannuation, or insurance products.
- An invitation to invest in securities, properties, or digital currencies.
3. Consult a Licensed Professional
You should not make any financial or investment decisions solely in reliance on the information, estimates, or mathematical projections provided by CashedUp.
We strongly recommend that you seek independent, personalized advice from a qualified and licensed professional, such as:
- A licensed Financial Adviser (AFSL Holder or authorized representative).
- A registered Tax Agent or Chartered Accountant.
- A licensed Mortgage Broker or Credit Provider.
4. Modeling, Projections & Limitations
CashedUp provides interactive wealth planning tools that generate mathematical forecasts based on assumptions inputted by you (such as custom inflation rates, expected asset growth, or regular saving intervals).
- No Guarantees of Future Outcomes: Projections are inherently speculative and do not guarantee future wealth outcomes, investment performance, or expense stability.
- Market Risk: Real-world markets are highly volatile. Inflation, tax brackets, interest rates, and legislation fluctuate constantly and cannot be modeled perfectly.
- Data Accuracy: The accuracy of CashedUp's projections depends directly on the completeness and accuracy of the manual data you enter or the read-only bank feed data imported at your direction. We are not responsible for any calculation discrepancies caused by corrupted or incorrect data input.
5. Limitation of Liability
To the maximum extent permitted by Australian law:
- We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or timeliness of any calculators or projections provided through the Service.
- CashedUp Finance Pty Ltd, its directors, employees, and developers shall not be liable for any financial decisions made, or actions taken, in reliance on the Service, nor for any loss or damage (including direct, indirect, special, or consequential loss) arising from your use of the Service.
6. Contact
If you have any questions about this Financial Disclaimer, please contact us at support@cashedup.com.au.