Disclaimer
Last updated: April 2026
General Disclaimer
The Freedom Number (thefreedomnumber.com/) provides educational and informational content about financial independence, early retirement, investing, and personal finance. All content published on this website — including articles, tools, calculators, email courses, guides, and ebooks — is for general informational and educational purposes only.
Nothing on this website constitutes financial advice, tax advice, investment advice, legal advice, or any other form of professional advice. The content is not a substitute for advice from a qualified professional who understands your specific circumstances.
No Licences Held
The Freedom Number is published by an individual who holds no professional licence or registration of any kind. Specifically:
- We do not hold an Australian Financial Services Licence (AFSL), and we are not an authorised representative of any AFSL holder. We are not licensed to provide financial product advice — personal or general — in Australia or in any other jurisdiction.
- We are not a registered tax agent or BAS agent under the Tax Agent Services Act 2009 (Cth), and nothing we publish is a tax agent service.
- We are not a registered migration agent under the Migration Act 1958 (Cth), not registered with the Office of the Migration Agents Registration Authority, and not an Australian legal practitioner. Nothing we publish is immigration assistance or migration advice.
- We are not accountants, financial advisers, lawyers, or licensed professionals in any other country.
Everything published on this website and in any paid product is factual information and general commentary for educational purposes only. It is not a recommendation to acquire, dispose of, hold, or vary any financial product, and it does not take into account your objectives, financial situation, or needs. Where any content names a specific financial product, platform, fund, visa, or country regime, it is described for illustration and comparison only and must not be read as a recommendation to use it.
Before acting on anything you read here, obtain advice from an appropriately licensed professional in your jurisdiction — a licensed financial adviser for investment decisions, a registered tax agent or tax lawyer for tax and residency decisions, and a registered migration agent or immigration lawyer for visa decisions.
General Advice Warning
This information is general in nature and does not take into account your personal financial situation, objectives, or needs. Before acting on any information published on this website, you should consider whether it is appropriate for your circumstances and, where necessary, seek independent financial, tax, or legal advice from a licensed professional in your country.
No Personal Financial Advice
The Freedom Number does not provide personal financial product advice. The author is not a licensed financial adviser, tax agent, accountant, lawyer, or registered investment adviser in any jurisdiction. No content on this website should be interpreted as a personalised recommendation to buy, sell, or hold any financial product, security, or asset class.
No Professional Relationship
Your use of this website does not create a client relationship, advisory relationship, or any other professional relationship between you and The Freedom Number or its author. Any information you share with us via email or contact forms does not create such a relationship.
Country-Specific Regulatory Notices
Australia: The Freedom Number does not hold an Australian Financial Services (AFS) licence and does not provide personal financial product advice as defined under the Corporations Act 2001. Financial product advice in Australia is regulated by the Australian Securities and Investments Commission (ASIC). For personal advice, consult a licensed AFS adviser. Refer to ASIC’s MoneySmart (moneysmart.gov.au) for free guidance.
United States: The Freedom Number is not registered as an investment adviser with the Securities and Exchange Commission (SEC) or any state securities regulator. Content on this website does not constitute investment advice under the Investment Advisers Act of 1940. Consult a registered investment adviser or CFP before making investment decisions.
Canada: The Freedom Number is not registered as an adviser or dealer in any Canadian province or territory. Securities regulation in Canada is administered at the provincial and territorial level under the umbrella of the Canadian Securities Administrators (CSA). Provincial regulators include the Ontario Securities Commission (OSC), the British Columbia Securities Commission (BCSC), and the Autorité des marchés financiers (AMF) in Quebec. Investment dealer and mutual fund dealer conduct is regulated by the Canadian Investment Regulatory Organization (CIRO). Nothing on this website constitutes advice regulated under any provincial securities act. Consult a licensed financial adviser in your province or territory before making any investment decisions.
United Kingdom: The Freedom Number is not authorised or regulated by the Financial Conduct Authority (FCA). Content on this website does not constitute a financial promotion under the Financial Services and Markets Act 2000. Consult an FCA-authorised adviser before making financial decisions.
New Zealand: The Freedom Number is not a licensed financial advice provider under the Financial Markets Conduct Act 2013, as regulated by the Financial Markets Authority (FMA). Consult a licensed financial adviser before acting on any information on this website.
Accuracy and Currency of Information
While every effort is made to keep content accurate and up to date, tax laws, contribution limits, investment products, regulations, and interest rates change frequently and vary by jurisdiction. The Freedom Number makes no representation that information is current, complete, or accurate for your specific country, state, or province.
Always verify information with official sources before making decisions: ATO (Australia), IRS (United States), CRA (Canada), HMRC (United Kingdom), IRD (New Zealand).
No Guarantee of Results
Financial independence timelines, Freedom Number calculations, Coast FIRE numbers, savings rate projections, and geo-arbitrage estimates on this website are based on historical averages and mathematical models. They are illustrative only and are not guarantees, predictions, or promises of future results.
Actual results will vary materially based on market conditions, investment returns, tax rates, personal decisions, inflation, fees, and other factors outside our control. Historical investment returns are not a reliable indicator of future performance.
Forward-Looking Statements
Some content on this website may contain forward-looking statements about financial markets, investment returns, or economic conditions. These statements involve known and unknown risks and uncertainties. Actual outcomes may differ materially from those expressed or implied.
Affiliate Disclosure
Some links on this website are affiliate links. If you click through and make a purchase or sign up for a service, The Freedom Number may earn a commission at no additional cost to you. Affiliate relationships do not influence editorial content or recommendations. View full affiliate disclosure →
Third-Party Websites
This website may contain links to third-party websites. The Freedom Number is not responsible for the content, accuracy, or privacy practices of any linked site. Links do not constitute an endorsement.
No Warranty
This website and all its content are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The Freedom Number does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
Limitation of Liability
To the maximum extent permitted by applicable law, The Freedom Number and its author shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this website or reliance on any content published on it — including but not limited to financial losses, investment losses, or lost profits — even if advised of the possibility of such damages.
In jurisdictions that do not allow the exclusion or limitation of certain damages, liability is limited to the maximum extent permitted by law.
Indemnification
By using this website, you agree to indemnify and hold harmless The Freedom Number and its author from any claims, damages, losses, or expenses (including legal fees) arising from your use of the website, your violation of these terms, or your reliance on any content published on it.
Changes to This Disclaimer
This disclaimer may be updated at any time without notice. Continued use of the website following any changes constitutes your acceptance of the updated disclaimer. Check this page periodically for updates.
Contact
For questions about this disclaimer: [email protected]
Last updated: April 2026