Financial Advice Disclaimer

This Financial Advice Disclaimer ("Disclaimer") applies to all use of the Ledgerprise platform, website, applications, and related services (collectively, the "Platform") provided by Aperim Pty Ltd (ABN 46 150 699 737) trading as Ledgerprise ("Ledgerprise", "we", "us", or "our").

Please read this Disclaimer carefully before using the Platform. By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer. If you do not agree with any part of this Disclaimer, you should not use the Platform.

This Disclaimer should be read in conjunction with our Terms of Service and Privacy Policy.

2.1 Platform Purpose

Ledgerprise is a budget management and financial planning software tool designed to help organisations and individuals track, manage, and analyse their budgets. The Platform provides tools for data entry, organisation, calculation, reporting, and visualisation of financial information.

2.2 Not Financial Product Advice

Ledgerprise does not provide financial product advice, personal financial advice, taxation advice, investment advice, credit advice, superannuation advice, or any other form of professional financial advice.

Nothing on the Platform should be construed as:

• A recommendation to buy, sell, or hold any financial product
• A recommendation to make any investment decision
• An offer to provide financial services
• Personal advice tailored to your individual circumstances
• Taxation advice or guidance on tax-related matters
• Legal, accounting, or professional advice of any kind

2.3 Software Tool Only

The Platform is a software tool that processes and displays information you provide. Any calculations, projections, forecasts, reports, or analyses generated by the Platform are based solely on the data you input and the mathematical formulas programmed into the software. These outputs are not recommendations or advice.

3.1 Nature of Information

All information provided on or through the Platform is of a general nature only. This information:

• Has been prepared without considering your individual objectives, financial situation, or needs
• May not be appropriate for your particular circumstances
• Should not be relied upon as the sole basis for any financial decision
• May not reflect the most current developments in financial markets, regulations, or practices

3.2 Educational Purpose

Any educational content, articles, guides, tutorials, or explanatory materials provided through the Platform are for informational and educational purposes only. Such content is intended to help you understand general budgeting concepts and use the Platform's features—it is not advice on how to manage your specific financial affairs.

3.3 No Tailored Recommendations

The Platform does not analyse your personal circumstances to provide tailored recommendations. While you may input your financial data into the Platform, this does not mean we have considered your personal situation or that any outputs constitute advice appropriate for you.

4.1 No Advisory Relationship

Your use of the Platform does not create any advisory, fiduciary, consultant-client, or professional services relationship between you and Ledgerprise. We do not:

• Act as your financial adviser, planner, or consultant
• Owe you any fiduciary duties
• Have any obligation to consider your best interests
• Assume any responsibility for your financial decisions

4.2 Licensing

Ledgerprise does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide financial product advice. We are a software provider, not a financial services provider.

4.3 Independence

We have no obligation to act in your interest. Our role is limited to providing software tools that you can use to manage your own financial information. Any decisions you make based on information generated by or displayed on the Platform are entirely your own.

5.1 Professional Advice Recommended

Before making any financial decision, you should seek advice from a qualified, licensed professional who can consider your individual circumstances. This may include:

• Financial Adviser: For advice on financial planning, investments, superannuation, and insurance—look for an adviser who holds an Australian Financial Services Licence or is an authorised representative of a licensee
• Accountant: For taxation advice, business structuring, and financial statements—look for a registered tax agent or CPA/CA qualified accountant
• Lawyer: For legal advice on contracts, structures, and regulatory compliance
• Mortgage Broker or Credit Adviser: For advice on loans and credit products—ensure they hold an Australian Credit Licence or are authorised representatives

5.2 Questions to Ask Professionals

When seeking professional advice, consider asking:

• What are their qualifications and licensing arrangements?
• How are they remunerated and do they have any conflicts of interest?
• What ongoing services and support do they provide?
• Have they considered your complete financial situation?

5.3 ASIC Resources

The Australian Securities and Investments Commission (ASIC) provides resources to help you find and choose a financial adviser at moneysmart.gov.au.

6.1 No Financial Outcome Guarantees

Ledgerprise makes no guarantees, representations, or warranties regarding any financial outcomes that may result from your use of the Platform. We do not guarantee that:

• Use of the Platform will improve your financial position
• Budget projections or forecasts will be accurate
• Any financial goals you set will be achieved
• Information displayed on the Platform is complete, accurate, or current
• The Platform is suitable for your particular purposes

6.2 Data Accuracy

The Platform displays and processes information based on data you provide. We do not verify the accuracy, completeness, or appropriateness of information you input. Outputs generated by the Platform are only as reliable as the data you enter.

6.3 Calculation Limitations

While we endeavour to ensure our calculations are mathematically correct, we do not warrant that calculations are appropriate for any particular purpose or that they account for all relevant factors in your situation. Complex financial decisions should always be verified by qualified professionals.

6.4 Market and Economic Conditions

Financial markets, economic conditions, interest rates, exchange rates, and other factors affecting financial decisions can change rapidly and unpredictably. The Platform does not account for or predict such changes, and historical information is not a reliable indicator of future outcomes.

7.1 Your Decisions

You are solely responsible for:

• All financial decisions you make
• Verifying the accuracy and appropriateness of any information on the Platform
• Determining whether the Platform's features are suitable for your needs
• Seeking appropriate professional advice before acting on any information
• Understanding and complying with all applicable laws and regulations

7.2 Data Entry

You are responsible for the accuracy and completeness of all data you enter into the Platform. Errors in data entry will result in errors in outputs. You should regularly review and verify your data.

7.3 Due Diligence

You should conduct your own due diligence and research before making any financial decision. This includes understanding the risks involved, considering alternative approaches, and evaluating whether a course of action is appropriate for your circumstances.

8.1 External Links and Integrations

The Platform may contain links to third-party websites or integrate with third-party services. We do not:

• Endorse or recommend any third-party content, products, or services
• Verify the accuracy of third-party information
• Accept responsibility for third-party content or services
• Guarantee the security or privacy practices of third parties

8.2 Third-Party Financial Data

If the Platform displays financial data sourced from third parties (such as exchange rates, interest rates, or market data), such information is provided for convenience only. We do not guarantee its accuracy, timeliness, or completeness, and it should not be relied upon for financial decisions without independent verification.

9.1 Australian Financial Services

This notice is provided in compliance with Australian law. Ledgerprise operates under Australian law and our Platform is provided from Australia.

9.2 General Advice Warning

9.3 Australian Consumer Law

Nothing in this Disclaimer is intended to exclude, restrict, or modify any rights you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or similar consumer protection laws that cannot be excluded, restricted, or modified by agreement.

9.4 Corporations Act Compliance

To the extent that any information on the Platform could be considered general advice within the meaning of the Corporations Act 2001 (Cth), such advice is provided by Aperim Pty Ltd. Aperim Pty Ltd does not hold an Australian Financial Services Licence. Where general advice is provided, you should consider the appropriateness of the advice having regard to your objectives, financial situation, and needs.

10.1 Exclusion of Liability

To the maximum extent permitted by law, Ledgerprise and its officers, directors, employees, agents, and affiliates shall not be liable for any:

• Financial losses or missed opportunities
• Loss of profits, revenue, or business
• Loss of data or data corruption
• Indirect, consequential, special, or punitive damages
• Damages arising from reliance on information from the Platform
• Damages arising from decisions made based on Platform outputs

arising out of or in connection with your use of the Platform or any information provided through it, regardless of the theory of liability.

10.2 No Responsibility for Decisions

We accept no responsibility for any financial decisions you make based on information displayed on or generated by the Platform. You acknowledge that all such decisions are made at your own risk.

10.3 Statutory Rights

Nothing in this Disclaimer limits any rights you may have under applicable consumer protection laws that cannot be excluded or limited by contract.

We may update this Disclaimer from time to time to reflect changes in our practices, legal requirements, or for other reasons. We will post any changes on this page and update the "Last Updated" date at the top of this document.

Your continued use of the Platform after any changes to this Disclaimer constitutes your acceptance of the updated Disclaimer. We encourage you to review this Disclaimer periodically.

For material changes that significantly affect your rights or obligations, we will endeavour to provide notice through the Platform or via email where practical.

If you have any questions about this Disclaimer or our practices, please contact us:

Legal Department
Aperim Pty Ltd trading as Ledgerprise
ABN: 46 150 699 737
Email: [email protected]

For General Support:
Email: [email protected]
Website: www.ledgerprise.com