Disclaimer

1. General Information Only

The information provided by the moneymood platform, operated by VCAP Connect Pty Ltd (ABN 88 674 243 362), is general in nature and is provided for informational and educational purposes only. It does not constitute personal financial advice, tax advice, legal advice, or any other form of professional advice.

The information provided does not take into account your individual financial situation, objectives, or needs. You should not rely on any information provided by moneymood as a substitute for professional advice tailored to your specific circumstances.

2. Not a Financial Adviser

moneymood is not a licensed financial adviser, financial planner, tax agent, or legal adviser. moneymood does not hold an Australian Financial Services Licence (AFSL) and does not provide financial product advice as defined under the Corporations Act 2001 (Cth).

moneymood does not recommend specific financial products, investment strategies, insurance policies, or courses of action. Any references to financial products or services are for informational purposes only and should not be taken as endorsements or recommendations.

3. Seek Professional Advice

Before making any financial decisions, you should consult with appropriately qualified professionals including:

• A licensed financial adviser for investment and financial planning decisions
• A registered tax agent or accountant for tax-related matters
• A solicitor or conveyancer for property and legal matters
• An insurance broker for insurance coverage decisions
• A mortgage broker for lending and borrowing decisions

4. Financial Projections and Estimates

moneymood provides financial projections, trajectory models, scenario simulations, and other forward-looking estimates. These are based on assumptions, historical data, and mathematical models. They are not predictions or guarantees of future outcomes.

Actual financial outcomes may differ materially from projected outcomes due to factors including but not limited to:

• Changes in market conditions, interest rates, or investment returns
• Changes in employment, income, or personal circumstances
• Changes in government policy, tax rates, or superannuation rules
• Unexpected expenses or life events
• Inflation and changes in the cost of living

All projections should be treated as educational tools to help you understand potential outcomes, not as reliable forecasts.

5. AI-Generated Content

moneymood uses artificial intelligence to generate insights, categorise transactions, analyse spending patterns, and provide financial analysis. AI-generated content may contain errors, inaccuracies, or incomplete information. While we strive for accuracy, AI systems are not infallible.

You should verify any AI-generated information before making financial decisions based on it. AI-generated insights are not a substitute for professional advice.

6. Insurance Information

Insurance benchmarking and potential savings estimates provided by moneymood are based on national average data and general statistics. They do not constitute insurance advice and may not accurately reflect the premiums or coverage available to you based on your specific circumstances.

moneymood does not sell insurance products, act as an insurance broker, or receive commissions from insurance providers. Links to external quote comparison sites are provided for convenience only and do not constitute endorsements.

7. Accuracy of Information

While we take reasonable steps to ensure the accuracy of information displayed on the platform, we do not guarantee that all information is accurate, complete, or current. Financial data received from third-party sources (including CDR data providers and imported statements) may contain errors originating from those sources.

You are responsible for verifying the accuracy of your financial data within the platform.

8. No Liability

To the maximum extent permitted by law, VCAP Connect Pty Ltd, its directors, employees, and agents accept no liability for any loss, damage, or expense arising from:

• Your use of or reliance on information provided by the moneymood platform
• Financial decisions made based on projections, insights, or analysis from the platform
• Errors or inaccuracies in financial data, AI-generated content, or projections
• Unavailability of the platform or any of its features

Nothing in this disclaimer excludes or limits liability that cannot be excluded or limited under Australian Consumer Law.

9. External Links

The moneymood platform may contain links to external websites or services. These links are provided for convenience only and do not imply endorsement of, or responsibility for, the content or practices of those external sites. We are not responsible for the privacy practices or content of external websites.

10. Contact

If you have questions about this disclaimer, please contact:

VCAP Connect Pty Ltd
ABN 88 674 243 362
Trading as moneymood
Email: hello@moneymood.com.au