Disclaimer

Effective date: 13 November 2026

ryanbabbage.net (the "site") is run by Ryan Babbage, an individual trading as a sole trader in Australia (ABN 40 844 930 305, registered for GST). This Disclaimer forms part of the Terms of Use and Sale. Please read it before relying on anything on the site.

1. General information and opinion only

The essays, articles, frameworks, book, self-assessment tools, paid reports, toolkits and other material on the site, and in the newsletter Argued Properly, are general information, education and personal opinion. They reflect my views at the time of writing, which may change.

They are not financial product advice, investment, legal, tax, accounting or other professional advice, and they are not a recommendation to buy, sell or hold any asset or financial product, to enter into any transaction, or to adopt any particular structure. They have been prepared without taking into account your objectives, financial situation, needs, jurisdiction or circumstances. Before acting on anything you read on the site, consider whether it is appropriate for you and obtain advice from a suitably qualified and, where required, licensed professional.

I do not hold an Australian financial services licence. Where the site or a report discusses raising capital or investment readiness, it is about whether your business is prepared, not about which financial products, securities or investors you should choose.

2. Not a substitute for specialist advice

Some topics on the site, such as succession, ownership, capital raising, cross-border expansion, intellectual property and tax-sensitive structures, carry legal and financial consequences that differ by country and by individual. The site does not replace advice

from your lawyer, accountant, tax adviser, financial adviser or other specialist.

3. Self-assessments and paid reports

The free tools (including the Boardroom Diagnostics and the Five Capitals Assessment) and the paid reports built on them are structured self-reflection based only on your own answers. The method has not been statistically validated as a measurement instrument and makes no forecast. A paid report is generated automatically and is not reviewed by me before it is sent. It gives no overall score.

A summary or report is not an audit, a valuation, a rating, a certification, a credit or investment assessment, a due-diligence review, a legal or compliance review, an offer of capital, or an individual opinion from me about your business or family. A favourable result does not mean that an issue is resolved, and an unfavourable one does not mean that a problem exists. Where a report suggests taking an issue to an accountant, financial adviser, lawyer or other specialist, please do so before any relevant commitment.

This section describes what a report is. It does not reduce my obligation to supply a paid report with due care and skill and as described, or any of your rights under the Australian Consumer Law.

4. No guarantee of outcomes

I do not promise or guarantee any particular result from reading the site, using a tool, buying a report or product, or taking part in a session, clinic, workshop or program. Results depend on your circumstances, your decisions and many factors outside my control. Any statement about the future is an opinion or an expectation, not a promise. Past experience, including mine and that of anyone mentioned on the site, does not predict future results.

5. Examples are illustrative

Examples, scenarios and case descriptions on the site are illustrative. Some are simplified, combined or changed to protect confidentiality, and some are fictional. Sample reports, sample decision notes and sample answers use fictional organisations, are labelled as samples, and do not describe a real person, family or business.

6. Accuracy and currency

I take care in preparing the content on the site, but I do not warrant that it is complete, accurate or up to date, and laws, markets and regulations change. To the extent the law allows, I am not liable for loss arising from reliance on the free, general information on the site. This does not limit any right you have under the Australian Consumer Law or other law that cannot be excluded.

7. Countries and regions

The site discusses business in several countries and regions, including Australia, the United Kingdom, Europe, the United States and the Gulf states. Descriptions of places, markets and practices are general and offered respectfully. They are not legal, regulatory, migration or tax guidance for any country, and requirements should be confirmed with local advisers and the relevant authorities.

8. Views are my own

Views expressed on the site are my own. They do not represent the views of any company, organisation or person I am, or have been, associated with.

9. Third-party content and links

Links to other websites, books or resources are provided for convenience and do not mean that I endorse them. I am not responsible for their content.

10. Contact

Questions about this Disclaimer: [email protected]