Terms and Conditions

Terms and Conditions 

[last updated March 2022]

Welcome to Captain FI. I am delighted that you are interested in my experiences and views on finance and investment and will continue to share that with you on this website.

When you read the word ‘website’, it means https://captainfi.com/ as well as my social media pages. 

When you read the words ‘I’, ‘me’, or ‘my’, it means me, Captain FI. The words ‘you’, ‘user’ or ‘your’ means you, the visitor of this website. 

By using this website, you are agreeing to be automatically bound by these terms and conditions, the disclaimer https://captainfi.com/wpautoterms/disclaimer/ and privacy policy https://captainfi.com/wpautoterms/privacy-policy/ (collectively referred to as ‘terms’). Please read and understand these terms before using this website. If you don’t agree to these terms, your remedy is to stop using this website. 

These terms may be updated from time to time and the new provisions will apply from the date they are updated. Please refer to the ‘last updated’ date at the top of these terms to help you keep track of any changes.

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 general informational and entertainment purposes only and is not intended to 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 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 of 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. 

No unlawful or prohibited use

As a condition of your use of this website, you warrant that you will not use this website for any purpose that is unlawful, immoral, or prohibited by these terms and conditions. 

You expressly agree not to:

  • decompile, reverse engineer, or try to copy or imitate this website or underlying content
  • use this website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party’s use and enjoyment of the website
  • engage in any internal or external spamming, or other similar actions
  • engage in threatening, harassing or defamatory behaviour  
  • hack into areas of the website that are not intentionally made available to you
  • use the website as a lead generation tool for the benefit of your own business, or to manufacture “lists” in order to help your own business, without my prior written approval
  • promote your own products or services on this website without my prior written approval

Copyright, trade marks and other intellectual property

Captain FI owns the intellectual property rights in the content of this website or has permission to use or display the material on this website. You must not copy, display, distribute, modify, translate, reformat, incorporate into advertisements and other works, promote, create derivative works, or in any way exploit or allow others to exploit any of my website content in whole or in part, unless with my prior written approval.


You may only use my website content for your own personal use and not for any commercial purpose. Sharing my content without my prior written permission is expressly prohibited. You agree not to change or delete any copyright or proprietary notice from materials downloaded from this website or any site accessible through this website.

Except as otherwise expressly granted to you in writing, I do not grant you any express or implied right or license to my website content or my intellectual property.

Any content posted on my website by third parties are the responsibility of those third parties and may be subject to copyright. You must ask the third party for permission before using any of their content. 


If it comes to my attention that you have infringed my intellectual property rights, I will contact you and ask you to stop.

If you believe there is material on this website that infringes third party intellectual property rights, please contact me with sufficient information for me to determine who the owner of the intellectual property is. If I form the reasonable belief that there has been an infringement, I will remove the infringing content from this website.

Your content

You warrant that you hold the necessary rights and interests to use any material you submit to or ask me to publish on this website (your content), and that no part of your content infringes any third-party confidentiality, privacy or intellectual property rights, including copyright and trade mark rights. 

By submitting your content to this website or asking me to publish it on the website, you irrevocably grant me a perpetual, world-wide, non-exclusive, royalty-free, sub-licensable and transferable license and right to use your content for my business purposes, now or in the future. You indemnify me against any claims made for breach of confidentiality, privacy or intellectual property rights in respect of your content. 

You agree that there is no fee payable to you for any content you contribute to the website, and you will not receive any future royalties or remuneration. You agree that I have the right to refuse to post your content on the website, if in my opinion it will not benefit my audience, and that I have the right to edit your content before posting it on the website. 

Removing and modifying content

At my sole discretion I may delete or modify any comment or content on this website. I may remove or disable your content at any time, for any reason. I am not obligated to return any of your content to you under any circumstances. If you engage in spam, defamatory, abusive, or otherwise inappropriate behaviour, you will be permanently banned from this website and your IP address blocked.

If you believe anything on this website is offensive or incorrect, please contact me through the Contact Form. I will review the content and decide whether to remove or update it. 

If you are a representative of any company, tool, product or service that I have reviewed, and you believe you have been unfairly or harshly reviewed or judged, or if any information is out of date or incorrect, please contact me through the Contact Form. I will review the content and decide whether to update it.


I make reasonable efforts to maintain the security of this website. However, I do not guarantee the security of this website or your content. I do not accept any liability for any computer virus or technological problems arising from your use of this website that I do not intentionally cause or that are beyond my control. You are encouraged to install and maintain up-to-date security software on your devices. 

Continuous accessibility to the website is dependent upon third party services. As a result, the website may be inaccessible from time to time. 

Limitation of liability

I will not be liable to you or any other person for the products or services provided by third parties. Your legal rights in connection with those products or services are against the service provider and not Captain FI.

I will not be liable to you or any other person for any damages whatsoever arising as a result of your use of this website in any way, subject to applicable law. 

Where warranties are implied by law, you acknowledge and agree that my total aggregate liability is limited at my discretion to the provision of those services again, or to a refund equal to the total amount paid by you for those services, even if that amount is zero.

This limitation of liability applies to the fullest extent permitted by law and survives any termination or expiration of this agreement or your use of this website.


You agree to indemnify and hold me harmless against any claims, damages, liabilities, costs, or expenses (including without limitation court costs, arbitration costs and legal fees on a solicitor and own client basis) related to:

  • any content you submit to this website;
  • your unauthorised use of this website, or products or services included or advertised on this website; and or
  • your breach of these terms.

Applicable law

This agreement is governed by the laws of New South Wales, Australia. You agree to be subject to the jurisdiction and the courts of New South Wales if there was a serious dispute between us.

Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms, including without limitation this paragraph. If you are in a jurisdiction where the use of this website is unauthorized, it is your responsibility to stop using this website.

No waiver

Any time or other indulgence granted to you will not in any way amount to a waiver of any of my rights or remedies under these terms.


You agree that no joint venture, partnership, employment, or agency relationship exists between you and Captain FI as a result of these terms or your use of this website.


If any part of these terms is determined to be invalid or unenforceable, then the invalid or unenforceable provision will be severed, and the remainder of these terms will continue in effect.

Contact Us

If you have any questions about these Terms, please contact us.

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