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Decide Your Money does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide financial product advice under the Corporations Act 2001 (Cth). We do not provide “personal advice” or “general advice” as those terms are defined in section 766B of the Corporations Act 2001 (Cth). Nothing on this website should be construed as financial advice or a recommendation to buy, sell, or hold any financial product, security, or investment.

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Investment Risk Warning

Where The 10-Second Money Method or any other Decide Your Money material discusses investing, saving, or any other financial activity, it describes general principles only and does not recommend any specific investment, asset class, security, fund, or product. All investments carry risk, including the risk of loss of principal. Past performance is not indicative of future results. You should not invest based solely on information from Decide Your Money. Consult a licensed financial adviser before making any investment decision.

No Income, Savings, or Outcome Claims

Decide Your Money makes no representation or warranty that any user will achieve any specific financial result, savings amount, income outcome, debt reduction, or other outcome from using our content. Any examples, case studies, illustrative figures, or hypothetical scenarios in our materials are for explanatory purposes only and are not typical results. Individual outcomes vary based on personal circumstances, behaviour, market conditions, and many other factors outside our control.

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Decide Your Money (ABN 44 692 416 783, registered in Australia) and its authors, contributors, and publishers expressly disclaim all liability for any actions taken — or not taken — based on the content of this website or any Decide Your Money product. This includes, without limitation, any financial loss, loss of opportunity, or other damages arising from your reliance on information provided here.

Results described or implied on this website are not guaranteed and may not be typical. Individual outcomes depend on personal financial circumstances, behaviour, market conditions, and many other factors outside our control.

Automated Decision-Making

Decide Your Money does not make decisions about you or your eligibility for services through automated processing (within the meaning of GDPR Article 22). All features of Decide Your Money are designed to provide information and educational guidance only, not to make determinations with legal or similarly significant effects on your circumstances.

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Attribution and Sources Notice

The ideas, quotes and references in our guides and materials have been gathered from published books, academic papers, public interviews, lectures, podcasts, online articles and other widely available sources over a period of more than fifteen years.

Every effort has been made to verify accuracy and to attribute ideas to their original authors. However, given the volume and variety of sources consulted, some quotes may reflect paraphrased versions rather than exact wording, and some attributions may reflect the most commonly cited source rather than the original one. Quotation marks are used in some cases for clarity and readability and do not necessarily indicate verbatim transcription from the original source.

Where a concept has been widely discussed across multiple authors and publications, the author has credited the source most commonly associated with it in the public record.

Some references in our materials are based on the author’s personal recollection, conversations, lectures attended, books no longer in print, or sources that may no longer be publicly accessible online. While every effort has been made to attribute correctly, the author cannot guarantee that every quote or idea can be independently verified through current online sources. Where a source cannot be confirmed, we welcome correction via our contact form and will update the materials accordingly in subsequent editions.

Although the author has made every effort to ensure that the information in our guides and materials was correct at the time of publication, the author does not assume and hereby disclaims any liability to any party for any loss, damage, or disruption caused by errors or omissions, whether such errors or omissions result from negligence, accident, or any other cause.

The author does not claim original authorship of ideas, frameworks or research findings attributed to third parties. Any unintentional omission or misattribution will be corrected in future editions upon notification via our contact form.

Our guides and materials are independent works of commentary, interpretation and practical application. They are not endorsed by or affiliated with any of the authors, researchers, institutions or publications referenced herein.

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