Disclaimer

Last updated: 1 September 2026

1. General Information Only

The information, guides, workbooks, articles, videos, podcasts and other materials provided by Life Beyond Debts are intended for general educational and informational purposes.

2. Not Financial, Legal or Professional Advice

Nothing on this website should be taken as personalised financial advice, legal advice, tax advice, credit advice, mental health treatment or any other professional advice. Your circumstances are unique and professional advice may be appropriate.

3. No Guaranteed Results

Financial outcomes depend on individual circumstances, decisions, actions and factors outside our control. Life Beyond Debts does not guarantee that using any particular resource, framework or strategy will result in a specific financial outcome.

4. Debt and Financial Decisions

If you are experiencing serious financial difficulty, consider seeking assistance from an appropriately qualified financial counsellor or other relevant professional. If you are considering bankruptcy, debt agreements, refinancing, investments or other significant financial decisions, obtain appropriate professional advice before acting.

5. Mental Health and Crisis Support

Life Beyond Debts resources may discuss the emotional impact of debt and financial stress, but they are not a replacement for mental health care or crisis support. If you or someone else is in immediate danger, contact emergency services or an appropriate crisis service.

6. Third-Party Information

Links, references or information relating to third parties are provided for convenience or education. Life Beyond Debts does not guarantee the accuracy, suitability or availability of third-party information or services.

7. Accuracy and Currency

We aim to keep information useful and accurate, but laws, policies, financial products and circumstances can change. Always check current information and obtain professional advice where appropriate.

8. Your Responsibility

You remain responsible for your own decisions and actions. By using this website and its resources, you acknowledge the general educational nature of the material and agree to exercise your own judgement.

9. Contact

If you have questions about the information provided by Life Beyond Debts, please use the contact details provided on the website.