Disclaimer for riquenta.com
This Disclaimer sets out important limitations and conditions relating to the access and use of riquenta.com and any information, tools or services made available on the site. The purpose of this document is to clarify the nature of the content provided, outline responsibilities of both the Company and the user, and describe the boundaries of liability and applicable law in connection with personal monthly budgeting information.
Important notice
Use of riquenta.com is at the user’s own risk and responsibility.
Riquenta.com provides general budgeting information and tools only; nothing on the site constitutes personal financial, legal, tax or accounting advice, and past performance does not guarantee future results.
General notice
This Disclaimer governs the use of riquenta.com and all content, tools and services provided through the site. By accessing or using riquenta.com, the user acknowledges that they have read, understood and agree to be bound by this Disclaimer, together with the Terms and Conditions and Privacy Policy. If the user does not agree with any part of these documents, they should discontinue use of the site and any associated services.
Limitations of liability
The Company aims to operate riquenta.com with reasonable care and skill, but certain risks and limitations are inherent in the use of online services and informational tools. This section explains how liability is limited in connection with such use, subject to rights that cannot be excluded under applicable law.
- To the maximum extent permitted by law, the Company excludes all warranties, representations and conditions, whether express, implied or statutory, in relation to riquenta.com, including but not limited to any implied warranties of accuracy, fitness for a particular purpose or non infringement. The site, its tools and content are provided on an "as available" basis.
- The Company is not liable for any loss, damage or expense arising from interruptions, errors, omissions, delays, technical failures or security incidents affecting access to riquenta.com, unless such liability cannot be excluded under applicable law. Users are responsible for maintaining appropriate security measures for their devices and connections when accessing the site.
- In no event will the Company be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or goodwill, whether arising in contract, tort, equity or otherwise, in connection with the use of, or inability to use, riquenta.com or reliance on any information or tools made available through the site.
- Where liability cannot be excluded but may be limited under applicable law, the Company’s total aggregate liability to any user in connection with riquenta.com, the content provided or these terms will be limited, to the extent permitted, to the amount, if any, paid by the user to access the relevant service during the twelve months preceding the event giving rise to the claim.
Information accuracy limits
The Company takes reasonable steps to keep the information on riquenta.com current and reliable, but no representation is made that content, figures, examples or references are complete, up to date or suitable for every situation. Budgeting explanations, workflow descriptions and illustrative numbers are provided for general understanding only and may not reflect a user’s specific circumstances or the latest regulatory developments in Australia.
Any reliance placed on information available on riquenta.com is at the user’s own discretion and risk. The Company is not obliged to update content immediately in response to legal, regulatory, market or product changes, and no assurance is given that existing information will remain accurate or appropriate over time.
No professional advice
Information on riquenta.com is prepared for a broad audience and does not constitute professional advice of any kind. Users should not act, or refrain from acting, solely on the basis of material obtained from the site without obtaining appropriate professional advice tailored to their particular circumstances from a qualified adviser, such as a licensed financial professional or other relevant specialist.
External links
Riquenta.com may contain links to external websites or resources that are not operated or controlled by the Company. These links are provided solely for convenience and informational purposes. The Company does not endorse, monitor or assume responsibility for the content, accuracy, security, privacy practices or availability of any third party sites or services that may be accessed through such links.
No assurance of outcomes
Any references on riquenta.com to potential outcomes, such as improved budgeting visibility or changes in spending behaviour, are illustrative only. They are based on general assumptions and do not take into account individual circumstances, habits or external events. Results may vary, and no assurance is given that any user will achieve specific outcomes by using the site or its tools.
Variation in individual results
Differences in income patterns, expense structures, personal habits and external conditions mean that the experience of each user may differ significantly. Past performance does not guarantee future results, and historical examples or case studies presented on riquenta.com should not be interpreted as typical or as an indication of what any particular user is likely to experience.
Financial and budgeting disclaimer
Riquenta.com provides tools and general information related to personal monthly budgeting, income and expense tracking and setting spending limits. This material is not tailored to individual circumstances and does not take into account personal objectives, financial situation or specific needs of any user.
- Nothing on riquenta.com constitutes personal financial, legal, tax or accounting advice. Any explanations, examples, workflow descriptions or references to budgeting practices are for general informational purposes only and should not be treated as a recommendation or as a basis for making, or refraining from making, any particular financial decision.
- Users remain solely responsible for assessing whether any budgeting approach, workflow or setting described on riquenta.com is appropriate for their circumstances. Before making significant financial decisions, users should consider seeking independent advice from a qualified professional who can take their individual situation into account. Past performance does not guarantee future results.
- The Company does not operate as a financial adviser and does not assess a user’s specific financial position. Any tools, calculators or illustrations made available on riquenta.com are provided without any assurance as to suitability, and outputs should be regarded as indicative only, subject to assumptions and limitations described in the relevant sections of the site.
Governing law and jurisdiction
Use of riquenta.com may be subject to different rules depending on the user’s location. The Company primarily operates the site for users in Australia and structures its policies with that audience in mind.
Subject to any mandatory provisions of local law, this Disclaimer and any dispute arising out of or in connection with the use of riquenta.com are governed by the laws in force in Australia. Users are responsible for ensuring that access to and use of the site complies with any laws that apply in their own jurisdiction, and the Company does not represent that the content is appropriate or available for use in all locations.
This Disclaimer is intended to operate in accordance with applicable laws in Australia, including general consumer and privacy requirements, to the extent they apply to the operation of riquenta.com. If any provision conflicts with a mandatory legal requirement, that requirement will prevail to the extent of the inconsistency, without affecting the remaining provisions of this Disclaimer.
Users accessing riquenta.com from outside Australia are responsible for determining whether the content, tools and services available on the site are lawful in their location and for complying with any local requirements. The Company does not guarantee that the budgeting information, workflows or examples described on the site will be suitable or permitted in every jurisdiction.
Indemnification
To the extent permitted by applicable law, the user agrees to indemnify and hold harmless the Company, its officers, employees and agents from and against any claims, losses, liabilities, damages, costs or expenses, including reasonable legal fees, arising out of or related to the user’s breach of this Disclaimer, misuse of riquenta.com, or reliance on information or tools provided through the site contrary to the terms set out here.
Severability
If any provision of this Disclaimer is found by a court or other competent authority to be invalid, unlawful or unenforceable, that provision will be severed from the remaining terms, which will continue in full force and effect. Where possible, any invalid or unenforceable provision will be interpreted in a manner that best reflects the original intent of the parties within the limits of applicable law.
Changes to this Disclaimer
The Company may update, modify or remove content, tools or features on riquenta.com at any time without prior notice, including changes to this Disclaimer. Any such modifications will be effective upon publication on the site, unless a later date is specified. Continued use of riquenta.com after changes are posted constitutes acceptance of the revised terms.
Effective date: This Disclaimer is effective from October 5, 2026 and applies to access and use of riquenta.com from that date forward, unless replaced or amended by a later version published on the site.
Last updated: October 5, 2026