30 days of money saving tips – T&C’s and Disclaimer

30 day program Terms and Condition and Disclaimer

Rachel Smith is not a Financial Planner or Life Coach but… She did save 38% of her take-home salary when she didn’t buy anything new or 2nd hand in 2014. Rachel will be sharing Top Tips and information that work/worked for her.

Copyright and restrictions – All information, literature, tools and templates and materials pertaining to this 30 day program remain the sole property of Rachel Smith and Rachel Smith Pty Ltd and must not be duplicated or transmitted in any way, shape or form without the prior written consent of Rachel Smith and Rachel Smith Pty Ltd.

Cancellation – We reserve the right to cancel/reschedule the program as we may deem necessary. You are not entitled to compensation simply because you changed your mind.

Disclaimer – The Client assumes all responsibility and entire risk as to the suitability and results obtained from use of Rachel Smith and Rachel Smith Pty Ltd products and services, and any decision made or actions taken based on the information contained in or generated by the products and services. The Client acknowledges that the products or services provided by Rachel Smith and Rachel Smith Pty Ltd are not meant to replace sound professional judgement or individualised attention of such professionals or client circumstances.

Information only – While Rachel Smith and Rachel Smith Pty Ltd will be providing the Client with guidance, coaching and program materials, the Client acknowledges that the program constitutes “Information Only’ and will not under any circumstances be considered tax, legal or accounting advice and it would be advisable for you to obtain such advice from your own lawyer, accountant or tax or other business advisor.

Disclaimer – Re; Extracts from Underspent book – The material in this publication (Underspent book) is of the nature of general comment only, and does not represent professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Readers should obtain professional advice where appropriate, before making any such decision. To the maximum extent permitted by law, the author and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based on the information in this publication.