Financial and Affiliate Disclaimer


[last updated March 2022]

By using the Captain FI website, you are agreeing to be automatically bound by this disclaimer, the terms and conditions and privacy policy (collectively referred to as ‘terms’).

If you don’t agree to these terms, your remedy is to stop using this website.

Financial advice disclaimer

I am NOT a financial adviser. I do NOT hold an Australian Financial Services Licence (AFSL).

I only provide you with factual information based on my experience about finance and investment and that is for general informational and entertainment purposes only. Nothing I say on this website is intended to influence your decisions about any financial product. To be clear, I am NOT providing you with any financial advice. 

Please do not ask me for any financial advice. I am not qualified nor licensed to provide you with that advice.

I strongly encourage you to do your own research, consider your own personal circumstances, and talk to a qualified financial adviser before making any financial or investment decisions. To find a licensed financial advisor in Australia, you can visit:

Furthermore, you can read my detailed discussion with a qualified, licenced fee-for-service and not-for-profit financial Advisor.

If I say anything on this website that may be interpreted as my opinion about or recommendation of a financial product, please understand that that is not the intention. Please do not take that as my advice or rely on it without seeking professional advice.

Similarly, when I talk about my own personal experiences, that is for entertainment and general informational purposes only and is not intended and should not be relied upon as advice.

General disclaimer

While I make every effort to keep content relevant, up to date and accurate, it can be difficult to do so due to the rapidly changing nature of the topics we discuss on this website. As such, I make no representations about the accuracy, reliability, timeliness, suitability, availability, and completeness of anything I say on this website, for any purpose, to the maximum extent permitted by applicable law. Anything contained on this website is provided “as is” without warranty or condition of any kind. You acknowledge and agree that you use this website at your own risk. 

When I talk about products or services that I have used on this website, I make no guarantees or recommendations that you will experience the same performance when using them.

Any information available on or via this website may include inaccuracies or typographical errors. Changes are periodically made to this website.

External links disclaimer

Affiliate links – I provide affiliate links to third party websites such as the Amazon Affiliates program and may earn a commission from certain links (these are typically in the range of 1-10% of the product value). These affiliate links do not cost you anything extra and are often attached to a significant discount voucher, code or bonus sign up offer. This money is paid by the affiliated service out of their marketing budget.

Please be aware that I am not the supplier of any products or services advertised on this website and am not responsible for any purchase you make through the affiliate links. You should carefully consider a product or service before making a purchase. If you have any problem with the products or services you have purchased, you need to contact the actual supplier to resolve the problem.

Providing links to these websites does not imply my recommendation for all the content found on these sites. Site owners and content may also change without notice and may occur before I have the opportunity to remove a link which may have gone ‘bad’.

Other third-party links – This website also contains links to other third-party websites (linked sites). Please be aware that these linked sites are not under my control, and I am not responsible for the content of a linked site. I am also not responsible for any form of transmission you receive from any linked site. I strongly encourage you to read the terms and conditions and privacy policies of any third-party sites that you visit.

Advertising disclaimer participates in display advertising, for example using Google Adsense which displays ads on the website that are relevant to the user via cookies. CaptainFI complies with all policy regulations for the Google Adsense program and more information on display advertising can be found here.

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