Effective Date: 8 October 2026

1. General Disclaimer

This Disclaimer applies to all websites, digital platforms, content, resources, products, services and communications

owned, operated or provided by Rachel Kelly International Pty Ltd (referred to as "we", "us", "our"; or "the Company",

also operating under the names Rachel Kelly and Rachel Kelly Coaching.

This includes, without limitation, our website, educational materials, digital products, programs, social media content,

publications, communications and other resources made available through our business.

By accessing or using our website or engaging with our content, you acknowledge the information contained in this

Disclaimer.

This Disclaimer should be read alongside our Privacy Policy, Website Terms of Use and any applicable product,

service or client agreement.

2. Educational and Informational Purposes

All content and information provided by the Company is intended for general educational, informational and personal

or professional development purposes.

Our content may address business, entrepreneurship, leadership, strategy, mindset, personal development, decision-

making and other related subjects.

While we aim to provide valuable, accurate and relevant information, our content is not intended to replace

independent professional advice tailored to your individual circumstances.

Information is provided on the understanding that you remain responsible for determining its suitability and application

to your own circumstances.

3. No Professional Advice

Unless expressly stated otherwise, information provided through our website, content, resources and general

communications does not constitute legal, financial, accounting, taxation, investment, medical, psychological or other

regulated professional advice.

We do not represent that our general educational content is a substitute for advice from appropriately qualified and

licensed professionals.

You should seek independent professional advice where appropriate before making decisions that may have legal,

financial, commercial, health or other significant consequences.

Accessing our content does not, by itself, establish a professional advisory, coaching or client relationship.

4. Personal Responsibility

By accessing or using our content, products or services, you acknowledge that you are responsible for your own

decisions, actions, implementation and outcomes.

You agree to exercise independent judgement, conduct appropriate due diligence and consider your individual

circumstances before acting on information or recommendations.

Any decisions you make in relation to your business, finances, career, personal development or other circumstances

remain your responsibility.

Nothing in this section excludes or limits any legal rights or responsibilities that cannot lawfully be excluded or limited.

5. No Guarantees of Results

We do not guarantee any particular financial, commercial, professional, personal or other outcome from accessing

our content or engaging with our products and services.

Individual results depend on numerous factors, including experience, circumstances, decisions, implementation,

market conditions and matters outside our control.

Any examples of achievements, outcomes or transformations are provided for illustrative purposes and should not be

interpreted as a promise or guarantee of equivalent results.

Past performance and the experiences of others are not reliable guarantees of future outcomes.

6. Earnings and Financial Disclaimer

Any references to revenue, income, profits, financial performance, business growth or other commercial results are

provided for educational, informational or illustrative purposes.

Such references may include our own business experiences, client achievements, case studies, testimonials or

hypothetical examples.

These examples do not constitute a representation, promise or guarantee that you will achieve the same or similar

financial results.

Business and financial outcomes vary significantly and may be influenced by individual circumstances, operating

costs, experience, market conditions, economic factors and other variables.

You acknowledge that business activities involve financial risk and that no particular level of earnings, profitability or

commercial success is guaranteed.

Nothing in this section permits misleading representations or excludes rights arising under applicable consumer

protection legislation.

7. Testimonials and Case Studies

Testimonials, reviews, case studies and client experiences shared through our business reflect the experiences and

circumstances of the individuals or businesses concerned.

They are provided for informational and illustrative purposes and do not guarantee that other individuals will achieve

comparable results.

Where testimonials or case studies refer to particular outcomes, those outcomes may not be representative of every

customer's experience.

We aim to present testimonials and case studies accurately and without materially misrepresenting the experiences

or results described.

8. Assumption of Risk

You acknowledge that business, professional and personal development activities may involve uncertainty and

inherent risks.

These may include financial losses, commercial challenges, operational difficulties and other consequences arising

from decisions or actions taken.

You are responsible for evaluating potential risks and determining whether particular information, strategies or

recommendations are appropriate for your circumstances.

To the extent permitted by law, you assume responsibility for risks arising from your independent decisions and

actions.

Nothing in this Disclaimer requires you to assume responsibility for losses caused by our unlawful conduct or

removes rights that cannot lawfully be excluded.

9. Accuracy, Errors and Omissions

We endeavour to ensure that information provided through our website and content is accurate, relevant and

reasonably current.

However, information may become outdated, incomplete or inaccurate due to changes in circumstances, legislation,

technology, industry practices or other factors.

We do not guarantee that all information will be free from errors, omissions or inaccuracies.

We reserve the right to update, correct, modify or remove content at our discretion, subject to applicable law and

contractual obligations.

You should independently verify information where accuracy is important to your decisions.

10. Third-Party Information and Recommendations

Our website and content may contain references, links, recommendations or information relating to third-party

individuals, businesses, products, services or platforms.

Such references are provided for general informational purposes and do not necessarily constitute an endorsement,

warranty or guarantee.

We do not control independent third-party providers and cannot guarantee the accuracy, suitability, reliability,

availability or performance of their products or services.

You are responsible for conducting appropriate research and assessing whether third-party offerings are suitable for

your circumstances.

11. Affiliate and Commercial Relationships

We may participate in affiliate, referral, sponsorship, promotional or other commercial arrangements with third parties.

As part of these arrangements, we may receive commissions, referral fees, compensation or other benefits from

certain recommendations, links or transactions.

Where required by applicable law, we will disclose material commercial relationships.

Any decision to engage with or purchase from a third party remains your responsibility and is subject to the relevant

provider's terms and conditions.

12. No Warranties

To the maximum extent permitted by applicable law, general website content and information are provided on an "as

available" basis.

We do not warrant that all content will be uninterrupted, error-free, complete, continuously available or suitable for

every purpose.

We make no guarantee regarding the accuracy, reliability or effectiveness of information for any particular individual

or circumstance.

Nothing in this section excludes, restricts or modifies statutory guarantees, warranties or other rights that cannot

lawfully be excluded, restricted or modified.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Rachel Kelly International Pty Ltd and its directors, officers,

employees, contractors and representatives exclude liability for losses or damages arising from reliance on general

information or educational content, to the extent such liability may lawfully be excluded.

Where legally permitted, this may include indirect, incidental, consequential or special losses, loss of revenue, profits,

business opportunities or other commercial losses.

We are not responsible for outcomes arising from decisions made independently based on general educational

content, except to the extent liability cannot lawfully be excluded.

Nothing in this Disclaimer excludes, restricts or modifies rights or remedies under the Australian Consumer Law or

other applicable legislation that cannot lawfully be excluded, restricted or modified.

Nothing in this Disclaimer excludes liability for fraud, wilful misconduct or any other liability that cannot lawfully be

excluded.

Any limitation of liability applies only to the extent permitted by law.

14. Relationship to Other Terms and Agreements

This Disclaimer provides general information regarding the nature, limitations and intended use of our content,

products and services.

It does not replace our Website Terms of Use, Privacy Policy, individual purchase conditions or any separate client

agreement.

Specific products and services may be subject to additional terms, disclosures, obligations and conditions.

Where there is any inconsistency, the applicable agreement and mandatory legal requirements will determine the

parties' rights and obligations.

15. Changes to This Disclaimer

We reserve the right to amend, revise or update this Disclaimer from time to time to reflect changes in our business,

content, services or legal obligations.

Updated versions will be published on our website with a revised effective date.

Any changes will operate subject to applicable law and existing contractual obligations.

16. Governing Law

This Disclaimer is governed by the laws of Queensland, Australia, subject to any mandatory laws or protections that

apply in other jurisdictions.

Nothing in this Disclaimer removes or limits rights that cannot lawfully be excluded under applicable Australian or

international legislation.

17. Contact Information

For questions regarding this Disclaimer, please contact:

Rachel Kelly International Pty Ltd

Also operating as Rachel Kelly and Rachel Kelly Coaching

Queensland, Australia

Website: https://iamrachelkelly.com

Email: [email protected]

ACN 648 641 329

End of Disclaimer