Terms of service

DISCLAIMER AND LIMITATION OF LIABILITY

Last Updated: 13 June 2026

The digital products sold by MMWM Life, including but not limited to budget planners, calendars, spreadsheets, templates, trackers, workbooks, printables, digital downloads, and related materials ("Products"), are provided for informational, educational, organisational, and personal planning purposes only.

No Financial, Legal, Tax or Professional Advice

The Products are not intended to provide financial, legal, tax, accounting, investment, business, medical, or other professional advice. Any information, calculations, examples, forecasts, budgets, templates, or suggestions contained within the Products are general in nature and may not be suitable for your individual circumstances.

You should seek independent professional advice before making financial, legal, tax, investment, business, or other significant decisions.

No Guarantee of Results

MMWM Life does not guarantee any particular outcome, financial result, savings amount, organisational improvement, productivity increase, or achievement of goals through the use of any Product. Individual results will vary based on personal circumstances and use of the Product.

Accuracy of Information

While reasonable efforts are made to ensure the accuracy and functionality of the Products at the time of sale, MMWM Life makes no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, suitability, availability, or fitness for any particular purpose of the Products.

Users are responsible for reviewing all calculations, formulas, data entries, and outputs before relying on them.

User Responsibility

You acknowledge and agree that you are solely responsible for:

  • The information entered into the Product;
  • Any decisions made based on the Product;
  • Verifying the accuracy of calculations, formulas, and outputs;
  • Maintaining backups of downloaded files; and
  • Ensuring compatibility with your software, devices, and systems.

Technology and Compatibility

Digital Products may require specific software, applications, internet access, or device compatibility. MMWM Life is not responsible for technical issues arising from software updates, third-party services, device incompatibility, user error, or circumstances beyond its control.

Limitation of Liability

To the maximum extent permitted by law, MMWM Life, its owners, employees, contractors, affiliates, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary loss or damage arising out of or related to:

  • The purchase, download, access, or use of any Product;
  • Reliance on information contained in any Product;
  • Errors, omissions, interruptions, or technical failures;
  • Loss of data, profits, revenue, savings, business opportunities, or goodwill; or
  • Any decisions or actions taken based on the use of a Product.

Australian Consumer Law

Nothing in this Disclaimer excludes, restricts, or modifies any rights or remedies that cannot be excluded, restricted, or modified under the Australian Consumer Law or any other applicable law.

Intellectual Property

All Products remain the intellectual property of MMWM Life unless otherwise stated. Purchase of a Product grants a personal, non-exclusive, non-transferable licence for personal use only and does not transfer ownership of any intellectual property rights.

Acceptance

By purchasing, downloading, accessing, or using any Product, you acknowledge that you have read, understood, and agree to this Disclaimer and Limitation of Liability.