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Disclaimer
Please read this disclaimer carefully before relying on this website or the financial health check. By using them, you accept the terms below.
1. General information only
The financial health check is an automated tool that produces a general indicator of financial health based solely on the answers you provide. It is intended to prompt awareness and further enquiry. It is not financial advice, legal advice, accounting or taxation advice, or insolvency or restructuring advice, and it does not take into account your specific circumstances, objectives or needs.
2. Not an audit or a determination of solvency
The check is not an audit, review or verification of your financial records, and it is not a determination of whether a business is solvent or insolvent. A score, verdict or finding produced by the check does not mean a business is, or is not, able to pay its debts as and when they fall due. Any assessment of solvency or insolvency requires a proper examination of the business by an appropriately qualified professional.
3. Reliance on your inputs
Results depend entirely on the accuracy and completeness of the information you enter. Inaccurate, incomplete or out-of-date inputs will produce an unreliable result. Benchmarks and comparisons are general and indicative only.
4. No professional relationship
Using this website or the check does not create any client, advisory, fiduciary or other professional relationship between you and Financial Health Check, its operator, or any professional in its network. No engagement arises unless and until separately agreed in writing with the relevant professional.
5. Referral arrangements and independence
Where you request it, we may introduce you to professionals relevant to your situation. Some of those professionals or practices have a commercial relationship with us, and some introductions may involve a referral fee. One practice to which you may be referred is the insolvency practice associated with the operator of this website, who is a Registered Liquidator. You are never obliged to use a professional we suggest and remain free to obtain independent advice of your own choosing. Any referral fee or relationship that could affect independence will be disclosed to you at the time of introduction. Nothing on this website is a solicitation for a formal insolvency appointment.
6. No warranty
While we take care in preparing this tool and its content, we make no warranties or representations about the accuracy, completeness, reliability or suitability of the check, the report, or any information on this website for any purpose.
7. Limitation of liability
To the maximum extent permitted by law, Financial Health Check and its operator are not liable for any loss or damage (including indirect or consequential loss) arising from your use of, or reliance on, this website, the check, the report, or any referral, except for any rights you have under the Australian Consumer Law that cannot be excluded.
8. External links
This website may link to third-party sites and services. We are not responsible for their content, accuracy or privacy practices.
9. Seek professional advice
Before making any decision affecting your business, finances, tax position or legal obligations — particularly where ATO action, creditor pressure, director liability or possible insolvency is involved — obtain advice from an appropriately qualified professional who can consider your full circumstances.
10. Jurisdiction
This website is intended for Australian businesses and is governed by the laws of Australia. For questions about this disclaimer, contact hello@financialhealthcheck.com.au.