Disclaimer

1. General Information Only

All content published on checkspent.com — including subscription reports, spending estimates, savings projections, tutorials, and email templates — 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 — 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. 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.

6a. Testimonials and Social Proof

Any testimonials, user stories, or examples of outcomes displayed on this website reflect individual experiences only. They are provided for illustrative purposes and do not represent typical or guaranteed results. Individual outcomes vary depending on personal circumstances, the services you subscribe to, provider policies, and actions taken. CheckSpent does not compensate users for testimonials unless explicitly disclosed. Where compensation or an incentive has been provided, this will be clearly noted alongside the testimonial in compliance with ACCC guidance on endorsements and testimonials.

7. 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.

8. 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.

8a. AI-Generated Content Disclosure

CheckSpent uses artificial intelligence systems to analyse bank statement data and generate subscription reports. In accordance with obligations under the EU AI Act (Regulation (EU) 2024/1689, Article 50) and consistent with best practice for AI transparency globally:

• Subscription reports are generated by an AI system, not by a human reviewer.
• AI outputs are automated and may contain errors (see Section 3).
• No human reviews individual reports before they are delivered to you.
• The AI system does not make decisions with legal or similarly significant effects on you.
• You retain full control over any action you take based on the report.

This disclosure is provided to ensure transparency about the automated nature of our service. It does not limit our liability obligations under the Australian Consumer Law or applicable consumer protection law in your jurisdiction.

9. Pricing and Currency

All prices displayed on checkspent.com are in United States Dollars (USD) unless otherwise indicated at the time of checkout. Prices may change at any time without notice. CheckSpent reserves the right to change the pricing currency in the future; any such change will be clearly indicated at checkout before purchase. You are solely responsible for any currency conversion fees, foreign transaction charges, or exchange rate differences applied by your bank or payment provider. The amount charged in your local currency may differ from the displayed USD price due to exchange rate fluctuations and provider fees.

10. 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.

11. 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. If you have a complaint about a financial product or service and are unable to resolve it directly with the provider, you may be able to lodge a complaint with the Australian Financial Complaints Authority (AFCA) at afca.org.au. Note that CheckSpent is not a financial services licensee and AFCA's jurisdiction does not extend to CheckSpent's services; however, if your complaint relates to a financial institution or licensed provider, AFCA may be able to assist.

12. Attribution and Sources

Where CheckSpent references third-party research, statistics, publications, or expert commentary, we endeavour to attribute sources accurately. However, some references in our materials are based on the author's personal recollection, conversations, lectures attended, books no longer in print, or sources that may no longer be publicly accessible online. While every effort has been made to attribute correctly, the author cannot guarantee that every quote or idea can be independently verified through current online sources. Where a source cannot be confirmed, we welcome correction via our contact page and will update the materials accordingly.

References to third-party brands, services, or trademarks are for informational and descriptive purposes only. CheckSpent is not affiliated with, endorsed by, or sponsored by any third-party brand mentioned on this website unless explicitly stated.

13. No Savings or Outcome Guarantees

CheckSpent makes no representation or warranty that any user will achieve any specific financial result, savings amount, income outcome, or other outcome from using our content or reports. Examples, case studies, illustrative figures (such as “save $500/year”), or hypothetical scenarios in our materials are for explanatory purposes only and are not typical results. Individual outcomes vary based on personal circumstances, behaviour, market conditions, and many other factors outside our control.