DISCLAIMER

Last updated: March 2026

By accessing and using Fenro (fenro.com.au), you agree to the following.

1. General information only

All content published on Fenro is for general informational purposes only. Everything I write is based on my own research and understanding of publicly available data from sources including the ABS, RBA, ASIC, the ATO, and Australian government websites.

I am not a financial adviser, economist, accountant, or licensed professional of any kind. Nothing on this website constitutes financial advice, investment advice, tax advice, or any other form of professional advice. The content reflects my personal research and interpretation only — as per my own knowledge and understanding at the time of writing.

2. Not a substitute for professional advice

Nothing on Fenro should be used as a substitute for advice from a qualified professional. Before making any financial decision — including decisions about investments, superannuation, mortgages, or insurance — always consult a licensed financial adviser registered with ASIC. You can find one at moneysmart.gov.au.

3. Accuracy of information

I make every reasonable effort to ensure the information I publish is accurate and current at the time of writing. However data changes frequently — prices, interest rates, government payments, and policies can all change without notice. Always verify important information directly with the relevant official source before relying on it.

4. Affiliate disclosure

Some articles on Fenro may contain affiliate links. If you click an affiliate link and make a purchase, I may receive a small commission at no additional cost to you. Affiliate relationships do not influence what I write or how I report on any topic.

5. External links

Fenro contains links to external websites provided for reference only. I have no control over those websites and accept no responsibility for their content, accuracy, or practices.

6. Limitation of liability

To the maximum extent permitted by Australian law, I am not liable for any loss or damage arising from your use of or reliance on any content published on Fenro. Nothing in this disclaimer excludes any rights you have under the Australian Consumer Law that cannot be excluded by contract.

7. Changes to this disclaimer

I may update this disclaimer at any time. Changes will be posted on this page with a revised date.

Contact

Questions: hello@fenro.com.au

Shubham Bhardwaj (ABN: 47169899679) Sydney, New South Wales, Australia