Please read this Website Disclaimer carefully. We reserve the right to change this Website Disclaimer at any time without notice, and by using the Website and its Content you are agreeing to the Website Disclaimer as it appears, whether or not you have read this language. If you do not agree with this Website Disclaimer, please do not use our Website or its Content.
This website and its content are owned by Paper Money Co (Paper and Belle).
For educational and informational purposes only
The information provided in or through our Website, Programs, Products and Services is for educational and informational purposes only and is made available to you as self-help tools for your own use.
Does not constitute legal, financial, taxation or other advice.
I am not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. By using the information on this website and/or purchasing products from this website, you agree that I not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.
The information contained in our Website, Programs, or Services is not intended to be a substitute for legal or financial advice that can be provided by your own attorney, accountant, and/or financial advisor. Although I hold the Chartered Accountant designation CA®, it does not replace the guidance you would get from a financial advisor.
I cannot be held responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. The law varies by state, and it is constantly changing, and therefore it affects each individual and business in different ways. As a result, it is recommended to seek outside financial and/or legal counsel relating to your specific circumstances as needed.
You are hereby advised to consult with your tax consultant, accountant or lawyer for any and all questions and concerns you have, may have, or hereafter have regarding your own income and taxes, and any and all information presented by our Website, Programs or Services pertaining to your specific financial and/or legal situation.
Calculators and tools
The calculators and tools provided by us are provided for your information and to illustrate scenarios. The results should not be taken as a substitute for professional advice.
All reasonable care has been taken in preparing and designing the calculators and tools; however, we provide no warranties and make no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.
Sale of digital, virtual and downloadable products
Digital, virtual and downloadable products may be sold from this website including (but not limited to): workbooks, documents, spreadsheets, ebooks, courses and virtual events. Due to the nature of digital and virtual products, all sales are final and will not be eligible for refunds unless specifically stated below.
It is the customers' responsibility to review the descriptions of each products and make a decision. It's also the customers' responsibility to read and understand the refund policy for all products prior to purchase. Refunds will not be issued where it has been deemed that the customer did not thoroughly read and understand the product description or the refund policy.
Virtual and downloadable products may be sold with lifetime access. This refers to the lifetime of the product (i.e. customers will have lifetime access for as long as the product is offered by Paper Money Co).
For additional information regarding all products or services email email@example.com for support prior to purchase.
By purchasing any products from this website, you agree to these terms.
Online Course: Financial Mess to Money Success
Students who purchase either the self study or premium program are eligible for a refund if the refund is requested within 30 days of the release of module 1, and if they provide sufficient proof of course work.
To request a refund, send an email to firstname.lastname@example.org using the email address you used to sign up for the course. Include photos, screenshots or copies of the below documents.
- completed course work related to Module 1: Understanding Why You Spend Money the Way You do;
- completed Emergency Fund implementation guide and planner;
- completed course work related to Module 2: Getting Clear on Your Financial Goals and a Plan to Achieve Them;
- completed course work related to Module 3: Budgeting for Your Income;
- completed course work related to Module 4: Using a Budget Calendar to Manage Your Cashflow
- screenshots or other sufficient proof showing that the you asked for support in the exclusive Facebook group or in the dedicated Q&A sessions for Module 1 to Module 4.
All refund requests are assessed on a case by case basis.
If a refund is granted, the customer must immediately delete all course materials (including videos, audio files, spreadsheets, PDFs and other documents) and remove all such materials from all their devices. Access to the Facebook Group and course area will also be revoked. Any previously scheduled 1:1 coaching sessions will be cancelled.
Refunds will not be issued for instances where the student has failed to take notice of key course details e.g. Q&A Group Coaching and 1:1 coaching sessions are based on Australian Eastern Standard Time (AEST).
Our Website, Programs, Products, and Services aim to accurately represent the information provided. You are acknowledging that you are participating voluntarily in using our Website, Programs, Products, and Services, and you alone are solely and personally responsible for your results.
You agree to use your own due diligence and judgment before applying any recommendation or advice that you may receive on or through our Website, Programs, Products, and Services. You acknowledge that you take full responsibility for your health, life, and well-being and for all decisions now and in the future.
My role is to educate, support, and assist you in reaching your own goals, but your success depends solely on your own effort, dedication, and follow-through. I cannot predict that you will attain a particular result, and you accept and understand that results are different for each individual. You fully agree that there are no guarantees as to the specific outcome or results you can expect from using the information you receive on or through this Website.
References or links in my Website to the information, opinions, advice, programs, products or services of any other individual, business or entity does not constitute my formal endorsement unless specifically stated. I am merely sharing this information as a self-help resource only.
I am not responsible for the website content, blogs, e-mails, videos, social media, programs, products and/or services of any other person, business or entity that may be linked or referenced on my Website. Conversely, should my Website link appear in any other individual’s, business’s or entity’s website, program, product or services, it does not constitute my formal endorsement of them, their business or their website either.
We link to external sites for your convenience. We are selective about which external sites we link to, but we do not endorse external sites unless specifically mentioned. When following links to other websites, we encourage you to examine the copyright, privacy and disclaimer notices on those websites.
Advertising and sponsors
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Paper Money Co may work with companies to provide you with awesome content and/or services. These companies may pay me for doing this. I only use companies that align with Paper Money Co values. All opinions are my own.
By using my Website you are agreeing to all parts of the above Disclaimer. If you have any questions about this Disclaimer, please contact me at email@example.com.