Disclaimer

1. Scope of this disclaimer

This disclaimer applies to your use of the Kudaatooggell Hub website, any content published under the Kudaatooggell Kudaatooggell.com, our downloadable resources and our financial analysis learning programs for founders, executives and leadership teams.

It should be read together with our Terms of Use and Privacy Policy. If there is any inconsistency between this disclaimer and those documents, the Terms of Use will generally prevail to the extent of the inconsistency.

2. Educational content, not financial or professional advice

The information on this site and in our programs is intended to help business leaders understand financial concepts, common patterns and decision-making frameworks. It is educational and general in nature.

Nothing on this site should be interpreted as:

• Personal financial advice or investment advice.
• Taxation, accounting or bookkeeping advice.
• Legal advice or representation.
• Advice tailored to your specific business, personal circumstances or regulatory obligations.

You should not act or refrain from acting solely on the basis of information from this site. Before making significant business, investment or financial decisions, you should seek advice from appropriately qualified professionals who understand your situation and the laws that apply to you.

3. No accountant–client or adviser–client relationship

Your use of this site, engagement with our content, attendance at webinars or participation in group programs does not create an accountant–client, tax agent–client, financial adviser–client or lawyer–client relationship between you and us.

Any examples, scenarios or responses to general questions are provided as illustrations of financial thinking, not as personalised professional services. If you later engage a third party such as an accountant or adviser, your relationship with them will be governed by separate terms that you agree with that provider.

4. Accuracy, completeness and timing of information

We make reasonable efforts to ensure that the information on this site is accurate and up to date at the time it is published. However, financial practices, business conditions and legal requirements change over time, and we cannot guarantee that all content will remain current or complete.

We do not promise that the information:

• Will always be free of errors or omissions.
• Will address every nuance of your business model or industry.
• Will be suitable for every organisation or decision scenario.

You are responsible for checking whether information is still relevant and for validating it with your own professionals before relying on it in a significant way.

5. No guarantees of business or financial results

Every business is influenced by many factors, including market conditions, client behaviour, strategy, execution and external events. Improving your understanding of financial information is only one part of the picture.

For this reason, we cannot and do not guarantee:

• That you will achieve particular revenue, profit or cash flow outcomes.
• That participating in a program will prevent loss or financial stress.
• That any specific decision you make will lead to positive results.

Any reference to potential results, performance improvements or risk reduction is illustrative and based on general experience, not a promise about your specific business.

6. Case studies, testimonials and examples

From time to time we may share stories, scenarios or testimonials on this site, in resources or within programs. Some may be based on composite examples or anonymised client work; others may be contributed by real clients with their permission.

These case studies and testimonials:

• Are provided to illustrate how certain concepts can be applied in practice.
• Do not represent typical outcomes for all participants or organisations.
• Should not be interpreted as a guarantee that you will experience similar results.

Where names or identifying details are changed, this is to protect confidentiality and professional relationships.

7. Third-party tools, platforms and links

The site may mention or link to third-party platforms, templates, calculators, articles or tools that some leaders find useful when working with financial information. These are provided for convenience and illustration only.

We do not control and are not responsible for the content, security, pricing, availability or performance of any third-party site or service. Your use of such tools is at your own risk and may be subject to separate terms and privacy policies set by those providers.

Mentioning a product or service does not mean we endorse it or receive compensation from its provider, unless clearly stated.

8. Your responsibility and assumption of risk

You are responsible for how you interpret and use the information on this site and in our programs. You acknowledge that:

• All business and financial decisions involve varying degrees of risk.
• You should consider your own tolerance for risk and your organisation’s specific context.
• You will seek independent professional advice where appropriate.

To the maximum extent permitted by law, we disclaim liability for any loss, damage, expense or consequence arising directly or indirectly from your use of this site, our resources or our programs. More detail about limitations of liability is set out in our Terms of Use.

9. Local laws, regulations and differences between regions

Financial reporting requirements, tax rules and regulatory frameworks vary across countries and even between states or territories. Our programs and examples are designed primarily with Australian businesses in mind and may reference concepts common in Australia.

If you or your organisation are located outside Australia, or if you operate across multiple jurisdictions, it is especially important that you:

• Confirm how local laws apply to your situation.
• Seek advice from professionals who are familiar with your jurisdiction.
• Adjust any concepts from our programs to align with the rules that apply to you.

10. Changes to this disclaimer

We may update this disclaimer from time to time to reflect changes in our services, relevant laws or how we communicate about risk and responsibility. Any updates will be published on this page.

We encourage you to review this page periodically, especially when enrolling in a new program or using new resources.

Last updated: 2025

11. Contacting us about this disclaimer

If you have questions about this disclaimer or are unsure how it applies to your situation, you are welcome to contact us:

Email: Kudaatooggell@gmail.com
Phone: +61 2 9019 6693
Address: 59 Macquarie St, Sydney NSW 2100, Australia

We will not be able to provide formal financial, tax, accounting or legal advice, but we may be able to clarify how our educational programs are intended to be used alongside your professional advisers.