Financial Education Disclaimer

Last updated: September 2026

The Modern Steward is a personal finance education and lifestyle brand. Our content, products and resources are designed to help you develop greater awareness, confidence and organisation around your personal finances.

1. General Financial Education

The information provided by The Modern Steward, including through our website, social media, journals, Excel templates, emails, community discussions, articles and other resources, is provided for general educational and informational purposes only.

Our content may cover topics such as:

• Budgeting.
• Saving.
• Debt management.
• Financial goal setting.
• Spending habits.
• Financial organisation.
• General financial concepts.
• General information about investing and other financial topics.

Our content is intended to help you learn and make your own informed decisions.

2. Not Personalised Financial Advice

The Modern Steward does not provide personalised financial advice, investment advice, tax advice, legal advice or other regulated financial advice through its general educational content or products.

We do not assess your individual financial circumstances for the purpose of recommending a particular financial product, investment, provider or financial strategy.

Where we discuss financial products, investments, providers or financial strategies, any information provided should be understood in the context in which it is presented and should not automatically be treated as a recommendation that a particular product or strategy is suitable for you.

3. Your Individual Circumstances

Everyone's financial circumstances are different.

Information that may be useful for one person may not be suitable for another.

You are responsible for considering your own circumstances, financial objectives, needs, risk tolerance and ability to absorb potential losses before making financial decisions.

Where you require advice about your individual circumstances, you should consider seeking advice from an appropriately qualified professional.

4. Investing

Any general educational information we provide about investing is not a recommendation to buy, sell or hold a particular investment.

Investments can rise and fall in value, and you may receive less than you originally invested.

Past performance does not guarantee future results.

You should conduct your own research and consider obtaining professional advice before making investment decisions where appropriate.

5. Financial Information and Calculations

Our budgeting tools, templates, examples and calculations are intended to support financial organisation and education.

Although we aim to provide accurate information, we cannot guarantee that every calculation, example, figure or piece of information will be accurate, complete or appropriate for your individual circumstances.

You should independently verify important financial, tax, legal or investment information before relying on it to make a financial decision.

6. Excel Templates

The Modern Steward's Excel templates are organisational and educational tools.

They are designed to help you record, plan and understand your finances.

They do not constitute personalised financial advice, investment advice, tax advice or legal advice.

The Modern Steward is not responsible for financial decisions you make based solely on information contained within a template.

7. Third-Party Information

From time to time, The Modern Steward may refer to or link to third-party websites, financial products, services, books, podcasts, organisations or other resources.

Such references are provided for informational or educational purposes and do not necessarily constitute an endorsement or recommendation.

You should review the relevant third party's own terms, fees, risks and information before using their products or services.

8. Accuracy and Changes

Financial rules, tax rules, products, rates, regulations and other financial information can change.

We make reasonable efforts to keep our content useful and accurate, but we do not guarantee that information remains current after publication.

Where financial information is time-sensitive, you should verify the information using an appropriate current source.

9. Your Responsibility

You remain responsible for your own financial decisions.

The Modern Steward encourages you to ask questions, learn, compare your options and seek qualified professional advice where appropriate.

Nothing in this disclaimer removes or limits any rights or protections you have under applicable law.

The Modern Steward is an educational resource, not a substitute for personalised professional financial advice.