Disclaimer

1. General Information Only

All content published on checkspent.com — including subscription reports, spending estimates, savings projections, tutorials, email templates, referral codes, and 1:1 session guidance — is provided for general informational and educational purposes only. It does not take into account your personal financial situation, objectives, or needs.

Before making any financial decision — including cancelling a subscription, switching a bank account, investing savings, or purchasing any financial product — you should obtain independent professional advice from a licensed financial adviser, accountant, or other relevant professional.

2. No Professional or Fiduciary Relationship

Your use of CheckSpent — including the purchase and use of any product or service (including 1:1 Spending Optimisation Sessions) — does not create:

• A financial adviser–client relationship.
• A fiduciary relationship.
• A legal adviser–client relationship.
• An accountant–client relationship.
• Any other professional or regulated relationship.

CheckSpent is not your financial adviser, legal adviser, tax adviser, or fiduciary. You acknowledge and agree that all decisions you make based on information provided by CheckSpent are entirely your own responsibility.

3. AI Analysis Limitations

CheckSpent uses artificial intelligence to read and classify bank statement transactions. AI-generated outputs are automated and may contain errors, including:

• False positives — transactions incorrectly classified as subscriptions.
• False negatives — subscriptions that are not detected.
• Incorrect amounts — particularly for image uploads or non-standard bank formats.
• Incorrect merchant identification — especially for generic or abbreviated merchant names.
• Incorrect frequency classification — for irregular billing cycles.

You should always verify the output of any CheckSpent report against your actual bank records before taking any action. CheckSpent is a tool to assist your review, not a replacement for it.

4. Estimates and Projections

Figures shown on this website — including average monthly subscription costs, annual spend projections, savings estimates, and the results of the 2-minute check — are estimates based on statistical averages, user responses, and model assumptions. They are indicative only.

Your actual subscription costs, potential savings, and financial outcomes may differ materially from any estimate or example shown. Past spending patterns are not a reliable indicator of future costs.

5. Templates Are Not Legal Advice

Cancellation letters, refund request templates, and negotiation letter templates provided by CheckSpent are general-purpose documents for informational use only. They do not constitute legal advice and are not a substitute for advice from a qualified legal practitioner.

The outcome of using a template depends on the specific terms of your subscription agreement, the policies of the service provider, and applicable consumer law in your jurisdiction. CheckSpent makes no representation that use of a template will result in cancellation, refund, or any other outcome. Results will vary.

6. 1:1 Spending Optimisation Sessions

The 1:1 Spending Optimisation Session is an educational and informational service only. During the session, we may review your spending patterns, identify potential areas for reduction, and develop a general action plan. However:

• The session does not constitute financial advice, legal advice, tax advice, or any regulated service.
• The facilitator is not a licensed financial adviser, accountant, or legal practitioner.
• No recommendation made during the session should be treated as professional advice.
• You must seek independent professional advice before acting on any information discussed in the session.
• Before the session can proceed, you must sign a separate written acknowledgement confirming that you understand and accept these limitations.

7. No Guaranteed Results

CheckSpent does not guarantee that you will achieve any specific subscription reduction, savings amount, refund, or negotiation outcome. Testimonials and examples shown on this website reflect individual experiences and are illustrative only. Individual results will vary depending on personal circumstances, provider policies, and actions taken.

8. Referral and Affiliate Links

Some links on CheckSpent are referral or affiliate links. If you click a link and sign up or make a purchase, CheckSpent may receive a commission or referral reward at no additional cost to you. These relationships are disclosed in accordance with requirements of the Australian Competition and Consumer Commission (ACCC).

Referral offers are subject to the terms and conditions of the respective third-party providers. Bonus amounts, eligibility requirements, and offer availability may change at any time without notice. Always read the full offer terms before signing up to any third-party service.

9. Third-Party Content and Links

CheckSpent may reference or link to third-party websites, services, or products. We are not responsible for the accuracy, content, privacy practices, or terms of any third party. The inclusion of a link does not constitute endorsement unless explicitly stated.

10. Pricing and Currency

All prices displayed on checkspent.com are in the currency shown at checkout (currently Australian dollars, AUD). Prices may change at any time without notice. CheckSpent reserves the right to change the pricing currency in the future. You are solely responsible for any currency conversion fees, foreign transaction charges, or exchange rate differences applied by your bank or payment provider.

11. Jurisdiction and Regulatory Differences

CheckSpent is primarily designed for Australian users. Savings potential, consumer rights, refund entitlements, subscription laws, and referral offer availability vary by country and jurisdiction. Users outside Australia should verify the applicability of any content, template, or offer to their own jurisdiction before acting on it.

12. Seek Professional Advice

If you are unsure about any financial, legal, or tax matter, please seek advice from a licensed professional who can assess your individual circumstances. In Australia, you can find a licensed financial adviser at moneysmart.gov.au.